MULTICOLORE
ActiveMULTICOLORE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €975k and a net result of €19k. Equity is growing by ~32% per year across the filed fiscal years. Its solvency ranks better than 82% of 1303 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
70
/ 100
Healthy▼ -30 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability26▼-52
Solvency99=
Growth66▼-9
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 2.7 against 2.77 in 2023), and 37.9% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
62.1%
Return on assets
1.2%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
105 d late
2022
143 d late
2021
24 d late
2020
31 d late
2019
14 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€2.47M▼ 11.9%
2023 · €2.80M
2021: €2.27M
2022: €2.79M
2023: €2.80M
2021 → 2024
EBIT margin
6.9%▼ 7.0pp
2023 · 13.8%
2021: 14.0%
2022: 15.5%
2023: 13.8%
2021 → 2024
Net result
€19k▼ 90.7%
2023 · €205k
2018: €12k
2019: €77k
2020: €186k
2021: €167k
2022: €229k
2023: €205k
2018 → 2024
Working capital
€938k▲ 3.4%
2023 · €907k
2018: €79k
2019: €146k
2020: €328k
2021: €502k
2022: €736k
2023: €907k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€2.27M€2.79M▲ 23.0%€2.80M▲ 0.5%€2.47M▼ 11.9%
Equity€355k-€522k▲ 47.0%€751k▲ 44.0%€956k▲ 27.3%€975k▲ 2.0%
Operating result€254k-€318k▲ 24.9%€433k▲ 36.3%€387k▼ 10.6%€169k▼ 56.3%
Net result€186k-€167k▼ 10.2%€229k▲ 37.5%€205k▼ 10.5%€19k▼ 90.7%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 56% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.57M
Fixed assets
€80k▲ 22.5%
Current assets
€1.49M▲ 5.0%
Equity and liabilities €1.57M
Equity
€975k▲ 2.0%
Debt
€596k▲ 12.7%
The debt ratio rises from 35.6% to 37.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€192k▼
2023 · €410k
Cash flow
€42k▼
2023 · €228k
Solvency
62.1%▼
2023 · 64.4%
Current ratio
2.70▼
2023 · 2.77
Quick ratio
2.68▼
2023 · 2.75
Debt / equity
0.61▲
2023 · 0.55
ROE
2.0%▼
2023 · 21.5%
ROA
1.2%▼
2023 · 13.8%
Interest coverage
1.38▼
2023 · 4.75
Debt
€596k▲
2023 · €529k
Debt ≤ 1 year
€553k▲
2023 · €512k
Debt > 1 year
€33k▲
2023 · €17k
Income taxes
€14k▼
2023 · €99k
Staff costs
€443k▼
2023 · €464k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.49M€1.57M▲
Fixed assets21/28€65k€80k▲
Tangible fixed assets22/27€65k€80k▲
Plant, machinery and equipment23€19k€16k▼
Furniture and vehicles24€46k€64k▲
Current assets29/58€1.42M€1.49M▲
Stocks and contracts in progress3€9k€8k▼
Stocks30/36€9k€8k▼
Amounts receivable within one year40/41€1.20M€1.33M▲
Trade receivables40€997k€1.14M▲
Other amounts receivable41€198k€188k▼
Cash at bank and in hand54/58€201k€143k▼
Deferred charges and accrued income490/1€15k€13k▼
Equity and liabilities
Total equity and liabilities10/49€1.49M€1.57M▲
Equity10/15€956k€975k▲
Contributions10/11€75k€75k=
Reserves13€786k€805k▲
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Tax-exempt reserves132€84k€84k=
Distributable reserves133€694k€713k▲
Profit (loss) carried forward14€96k€96k▲
Amounts payable17/49€529k€596k▲
Amounts payable after more than one year17€17k€33k▲
Financial debts170/4€17k€33k▲
Amounts payable within one year42/48€512k€553k▲
Current portion of amounts payable after more than one year42€12k€16k▲
Financial debts43€55k€91k▲
Credit institutions430/8€55k€91k▲
Trade debts44€333k€270k▼
Suppliers440/4€333k€270k▼
Taxes, remuneration and social security45€31k€46k▲
Taxes450/3€0-
Remuneration and social security454/9€31k€46k▲
Other amounts payable47/48€82k€130k▲
Accrued charges and deferred income492/3€0€10k▲
Income statement
Code20232024
Turnover70€2.80M€2.47M▼
Goods, raw materials, services and sundry goods60/61€2.06M€1.89M▼
Remuneration, social security and pensions62€464k€443k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k▲
Other operating charges640/8€8k€12k▲
Gross operating margin9900€882k€647k▼
Operating profit (loss)9901€387k€169k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€86k€139k▲
Recurring financial charges65€86k€139k▲
Profit (loss) for the period before taxes9903€304k€33k▼
Income taxes67/77€99k€14k▼
Profit (loss) for the period9904€205k€19k▼
Profit (loss) for the period to be appropriated9905€205k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€300k€115k▼
Profit (loss) brought forward from the previous period14P€94k€96k▲
Transfer to equity691/2€204k€19k▼
To other reserves6921€204k€19k▼
Social balance
Average headcount (FTE)908711.611.9▲
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
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
13-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 105 days late
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 143 days late
2022
31-12
Financial
Highest result since 2018net €229k ▲37.5%
Operating result €433k, net result €229k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 24 days late
2021
31-12
Financial
Equity above €500kEq €522k ▲47%
4 profitable years in a row build equity to €522k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Equity above €200kEq €355k ▲110%
3 profitable years in a row build equity to €355k.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 14 days late
2019
31-12
Financial
Equity above €150kEq €169k ▲82.9%
2 profitable years in a row build equity to €169k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 acts for this company are 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, Liège · 1 establishment unit since 2007
Ground area
7,161 m²
Building footprint
2,429 m²
Parcel 62113B0055/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
MULTICOLORE
since 20072.164.913.603
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62113B0055/00H000 | Wallonia | 7,161 m² | 1 · 2,429 m² | - |
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.
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,860. 6,452 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2007
Fiscal year end31-12
Activities, NACEBEL
20300Manufacture of chemicals and chemical products
41001General construction of residential buildings
43341Painting of buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
46130Agents in the wholesale of timber and building materials
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
51532
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.