MERTENS INTERIEUR
ActiveThe computed 12-month bankruptcy probability of MERTENS INTERIEUR is 2.1% (moderate). The 2025 annual accounts show equity of €214k and a net result of €79k. Equity is growing by ~28.3% per year across the filed fiscal years. Its solvency ranks better than 39% of 27711 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency62▼-27
Growth78=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.98 against 2.23 in 2024; short-term debt: 43.4% and cash: 23.5% of total assets), and 62.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
37.2%
Return on assets
13.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
18 d early
2024
20 d late
2023
23 d late
2022
25 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€214k▼ 17.1%
2024 · €258k
2022: €79k
2023: €131k
2024: €258k
2022 → 2025
Total assets
€575k▲ 42.7%
2024 · €403k
2022: €322k
2023: €322k
2024: €403k
2022 → 2025
Net result
€79k▼ 37.7%
2024 · €127k
2022: €74k
2023: €52k
2024: €127k
2022 → 2025
Working capital
€-5k
2024 · €104k
2022: €-19k
2023: €8k
2024: €104k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€79k-€131k▲ 66.8%€258k▲ 97.2%€214k▼ 17.1%
Operating result€103k-€83k▼ 19.6%€171k▲ 107%€114k▼ 33.6%
Net result€74k-€52k▼ 28.7%€127k▲ 143%€79k▼ 37.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €575k
Fixed assets
€331k▲ 54.3%
Current assets
€244k▲ 29.4%
Equity and liabilities €575k
Equity
€214k▼ 17.1%
Debt
€361k▲ 149%
The debt ratio rises from 35.9% to 62.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€166k▼
2024 · €196k
Cash flow
€132k▼
2024 · €152k
Solvency
37.2%▼
2024 · 64.1%
Current ratio
0.98▼
2024 · 2.23
Quick ratio
0.89▼
2024 · 2.00
Debt / equity
1.69▲
2024 · 0.56
ROE
37.1%▼
2024 · 49.3%
ROA
13.8%▼
2024 · 31.6%
Interest coverage
22.85▼
2024 · 37.48
Debt
€361k▲
2024 · €145k
Debt ≤ 1 year
€249k▲
2024 · €85k
Debt > 1 year
€112k▲
2024 · €60k
Income taxes
€27k▼
2024 · €39k
Staff costs
€367k▼
2024 · €382k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€403k€575k▲
Fixed assets21/28€214k€331k▲
Intangible fixed assets21€57k€49k▼
Tangible fixed assets22/27€157k€282k▲
Land and buildings22€84k€74k▼
Plant, machinery and equipment23€18k€18k▼
Furniture and vehicles24€43k€73k▲
Leasing and similar rights25-€107k
Other tangible fixed assets26€12k€10k▼
Current assets29/58€189k€244k▲
Stocks and contracts in progress3€19k€23k▲
Stocks30/36€19k€23k▲
Amounts receivable within one year40/41€48k€79k▲
Trade receivables40€43k€60k▲
Other amounts receivable41€5k€19k▲
Cash at bank and in hand54/58€118k€135k▲
Deferred charges and accrued income490/1€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€403k€575k▲
Equity10/15€258k€214k▼
Contributions10/11€5k€5k=
Reserves13€74k€0▼
Distributable reserves133€74k€0▼
Profit (loss) carried forward14€180k€209k▲
Amounts payable17/49€145k€361k▲
Amounts payable after more than one year17€60k€112k▲
Financial debts170/4€60k€112k▲
Amounts payable within one year42/48€85k€249k▲
Current portion of amounts payable after more than one year42€14k€33k▲
Trade debts44€24k€43k▲
Suppliers440/4€24k€43k▲
Taxes, remuneration and social security45€47k€50k▲
Taxes450/3€21k€20k▼
Remuneration and social security454/9€26k€30k▲
Other amounts payable47/48€159€124k▲
Income statement
Code20242025
Remuneration, social security and pensions62€382k€367k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€53k▲
Other operating charges640/8€1k€974▼
Gross operating margin9900€579k€534k▼
Operating profit (loss)9901€171k€114k▼
Financial income75/76B€30€46▲
Recurring financial income75€30€46▲
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€166k€107k▼
Income taxes67/77€39k€27k▼
Profit (loss) for the period9904€127k€79k▼
Profit (loss) for the period to be appropriated9905€127k€79k▼
Appropriation of the result
Profit (loss) to be appropriated9906€180k€259k▲
Profit (loss) brought forward from the previous period14P€52k€180k▲
Transfer from equity791/2-€74k
Profit to be distributed694/7-€124k
Return on contributions (dividend)694-€124k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Highest result since 2022net €127k ▲143%
Operating result €171k, net result €127k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.23
Current ratio from 1.06 to 2.23; short-term debt falls from €136k to €85k.
31-12
Financial
Equity above €200kEq €258k ▲97.2%
3 profitable years in a row build equity to €258k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Weakest financial yearnet €52k ▼28.7%
Net result drops to €52k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €131k ▲66.8%
2 profitable years in a row build equity to €131k.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Hoogstraten · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Heilig Bloedlaan 2792320 HoogstratenGround area
372 m²
Building footprint
931 m²
Volume, LiDAR
4,102 m³
Parcel 13014E0239/00F002, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
MERTENS INTERIEUR
since 20222.333.994.105
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13014E0239/00F002 | Flanders | 372 m² | 1 · 931 m² | 11.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 6 entries · 22,732 EUR awarded · 22,341 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 17,757 EUR | 17,366 EUR |
| 2024 | 3 | 4,475 EUR | 4,475 EUR |
| 2023 | 1 | 500 EUR | 500 EUR |
Schemes
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Recognised contractor
2 categoriesMERTENS INTERIEUR BV45863
Dual-learning approval
3 live approvals · 1 endedDecoratie en schilderwerken duaal (so)
Medewerker schilder- en behangwerken duaal (so)
Schilder-decorateur (vwo)
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Of 7,861 companies in sector 43341 we hold annual accounts for 2,664. 2,006 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2022
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
47526Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.