Pro Maria
ActiveSummary
Pro Maria has been active since 1933 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.1m and a net result of €65,016. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 94% of 4238 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability25▲+13
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €370,000 at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.31 in 2024; short-term debt: 5.5% and cash: 4.4% of total assets), and 12.5% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
87.5%
Return on assets
1.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 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 · 7 filingsDeviation from the deadline
2025
49 d late
2024
2 d early
2023
63 d late
2022
31 d late
2021
30 d late
2007
11 d late
2006
78 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 15 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 August (5 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
In the rankings
#1 oldest company in Beauraing#1 company by equity in Beauraing, Wholesale and retail trade sector#2 company by total assets in Beauraing, Wholesale and retail trade sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€65,016
2024 · -€297,571
Working capital
€172,835▲ 81.9%
2024 · €95,034
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€454,845--€419,486▲ 7.8%€25,876-€442,669-€188,631▲ 57.4%
Net result-€429,328below the sector's middle half--€296,607below the sector's middle half▲ 30.9%€149,971above the sector's middle half-€297,571below the sector's middle half€65,016within the sector's middle half
Equity€4.9mabove the sector's middle half-€5.0mabove the sector's middle half▲ 1.2%€5.4mabove the sector's middle half▲ 7.6%€5.2mabove the sector's middle half▼ 3.2%€5.1mabove the sector's middle half▼ 2.1%
Total assets€5.1mabove the sector's middle half-€5.1mabove the sector's middle half▲ 0.7%€5.5mabove the sector's middle half▲ 7.3%€5.9mabove the sector's middle half▲ 8.1%€5.8mabove the sector's middle half▼ 1.8%
Debt€135,380-€112,935▼ 16.6%€107,737▼ 4.6%€721,547▲ 570%€725,328▲ 0.5%
Working capital€760,510above the sector's middle half-€909,565above the sector's middle half▲ 19.6%€819,261above the sector's middle half▼ 9.9%€95,034above the sector's middle half▼ 88.4%€172,835within the sector's middle half▲ 81.9%
Solvency97.3%above the sector's middle half-97.8%above the sector's middle half▲ 0.5pp98.0%above the sector's middle half▲ 0.2pp87.8%above the sector's middle half▼ 10.2pp87.5%above the sector's middle half▼ 0.3pp
Current ratio9.33above the sector's middle half-12.23above the sector's middle half▲ 2.9010.53above the sector's middle half▼ 1.701.31within the sector's middle half▼ 9.221.54within the sector's middle half▲ 0.23
Return on assets (ROA)-8.5%below the sector's middle half--5.8%below the sector's middle half▲ 2.7pp2.7%within the sector's middle half▲ 8.6pp-5.0%below the sector's middle half▼ 7.8pp1.1%within the sector's middle half▲ 6.2pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €188,631 in 2025 against €442,669 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.8m
Fixed assets
€5.3m ▼ 3.6%
Current assets
€492,112 ▲ 24.0%
Equity and liabilities €5.8m
Equity
€5.1m ▼ 2.1%
Debt
€725,328 ▲ 0.5%
Debt's share of the balance-sheet total rises from 12.2% to 12.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€10,600▲
2024 · -€279,515
Cash flow
€264,247▲
2024 · -€134,417
Quick ratio
0.89▲
2024 · 0.64
Debt to equity
0.14▲
2024 · 0.14
ROE
1.3%▲
2024 · -5.7%
Interest coverage
0.53▲
2024 · -18.97
Debt ≤ 1 year
€319,277▲
2024 · €301,885
Debt > 1 year
€406,051=
2024 · €406,051
Income taxes
€15,682▲
2024 · €14,663
Staff costs
€663,447▲
2024 · €540,204
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,732 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €2,583 | €5,223 | - | - | - |
| Remuneration, social security and pensions62 | €253,316 | €229,380 | €232,776 | €540,204 | €663,447 | ▲ 22.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €104,308 | €101,743 | €96,789 | €163,154 | €199,231 | ▲ 22.1% |
| Other operating charges640/8 | €744 | €2,227 | €348 | €47 | €1,595 | ▲ 3,275% |
| Non-recurring operating charges66A | €275,645 | €12,762 | €2,946 | €198 | €11,469 | ▲ 5,707% |
| Gross operating margin9900 | €179,167 | -€73,374 | €358,736 | €260,933 | €687,112 | ▲ 163% |
| Operating profit (loss)9901 | -€454,845 | -€419,486 | €25,876 | -€442,669 | -€188,631 | ▲ 57.4% |
| Financial income75/76B | €45,526 | €143,964 | €144,110 | €174,497 | €289,335 | ▲ 65.8% |
| Recurring financial income75 | €45,526 | €143,964 | €144,110 | €174,497 | €289,335 | ▲ 65.8% |
| Financial charges65/66B | €5,108 | €4,498 | €11,805 | €14,736 | €20,007 | ▲ 35.8% |
| Recurring financial charges65 | €5,108 | €4,498 | €11,805 | €14,736 | €20,007 | ▲ 35.8% |
| Profit (loss) for the period before taxes9903 | -€414,427 | -€280,020 | €158,182 | -€282,908 | €80,698 | ▲ 129% |
| Income taxes67/77 | €14,901 | €16,587 | €8,211 | €14,663 | €15,682 | ▲ 7.0% |
| Profit (loss) for the period9904 | -€429,328 | -€296,607 | €149,971 | -€297,571 | €65,016 | ▲ 122% |
| Profit (loss) for the period to be appropriated9905 | -€429,328 | -€296,607 | €149,971 | -€297,571 | €65,016 | ▲ 122% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.1m | €5.1m | €5.5m | €5.9m | €5.8m | ▼ 1.8% |
| Fixed assets21/28 | €4.2m | €4.1m | €4.6m | €5.5m | €5.3m | ▼ 3.6% |
| Tangible fixed assets22/27 | €4.2m | €4.1m | €4.6m | €5.5m | €5.3m | ▼ 3.6% |
| Land and buildings22 | €4.2m | €4.1m | €4.5m | €5.5m | €5.3m | ▼ 3.5% |
| Furniture and vehicles24 | €20,657 | €16,314 | €12,628 | €9,263 | - | - |
| Financial fixed assets28 | €635 | €635 | €635 | €635 | €635 | = |
| Current assets29/58 | €851,796 | €990,552 | €905,200 | €396,920 | €492,112 | ▲ 24.0% |
| Stocks and contracts in progress3 | €160,665 | €184,243 | €205,084 | €203,354 | €208,426 | ▲ 2.5% |
| Stocks30/36 | €160,665 | €184,243 | €205,084 | €203,354 | €208,426 | ▲ 2.5% |
| Amounts receivable within one year40/41 | €90,844 | €27,669 | €22,197 | €23,907 | €28,339 | ▲ 18.5% |
| Trade receivables40 | €14,440 | €12,840 | €15,793 | €17,197 | €21,935 | ▲ 27.6% |
| Other amounts receivable41 | €76,404 | €14,829 | €6,404 | €6,711 | €6,404 | ▼ 4.6% |
| Current investments50/53 | €379,945 | €138,827 | €327,595 | €80 | €197 | ▲ 146% |
| Cash at bank and in hand54/58 | €220,342 | €639,814 | €350,325 | €169,578 | €255,150 | ▲ 50.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.1m | €5.1m | €5.5m | €5.9m | €5.8m | ▼ 1.8% |
| Equity10/15 | €4.9m | €5.0m | €5.4m | €5.2m | €5.1m | ▼ 2.1% |
| Contributions10/11 | - | €2.7m | €2.7m | €2.6m | €2.6m | = |
| Capital10 | - | €2.7m | €2.7m | €2.6m | €2.6m | = |
| Revaluation surpluses12 | - | - | €371,000 | €371,000 | €371,000 | = |
| Profit (loss) carried forward14 | €2.0m | €1.7m | €1.9m | €1.6m | €1.6m | ▲ 4.1% |
| Investment grants15 | €241,499 | €598,664 | €455,829 | €582,993 | €410,158 | ▼ 29.6% |
| Amounts payable17/49 | €135,380 | €112,935 | €107,737 | €721,547 | €725,328 | ▲ 0.5% |
| Amounts payable after more than one year17 | €22,294 | €16,164 | €9,964 | €406,051 | €406,051 | = |
| Financial debts170/4 | €22,294 | €16,164 | €9,964 | €406,051 | €406,051 | = |
| Amounts payable within one year42/48 | €91,286 | €80,988 | €85,939 | €301,885 | €319,277 | ▲ 5.8% |
| Current portion of amounts payable after more than one year42 | €6,060 | €6,130 | €6,200 | €44,436 | €100,000 | ▲ 125% |
| Trade debts44 | €20,167 | €21,405 | €23,508 | €64,983 | €64,884 | ▼ 0.2% |
| Suppliers440/4 | €20,167 | €21,405 | €23,508 | €64,983 | €64,884 | ▼ 0.2% |
| Taxes, remuneration and social security45 | €65,059 | €53,453 | €56,231 | €140,677 | €102,603 | ▼ 27.1% |
| Taxes450/3 | €9,161 | €8,127 | €7,658 | €17,937 | €15,168 | ▼ 15.4% |
| Remuneration and social security454/9 | €55,897 | €45,326 | €48,572 | €122,740 | €87,435 | ▼ 28.8% |
| Accrued charges and deferred income492/3 | €21,800 | €15,784 | €11,834 | €13,611 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€429,328 | -€296,607 | €149,971 | -€297,571 | €65,016 | ▲ 122% |
| + Depreciation and write-downs630 | €104,308 | €101,743 | €96,789 | €163,154 | €199,231 | ▲ 22.1% |
| Operating cash flow (approximation) | -€325,020 | -€194,863 | €246,760 | -€134,417 | €264,247 | ▲ 297% |
| Investment in fixed assets (approximation) | - | €0 | -€553,979 | -€1.1m | €0 | ▲ 100% |
| Change in cash | - | €419,472 | -€289,489 | -€180,746 | €85,571 | ▲ 147% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-09
State Gazette act
Appointments: Fabien Lejeusne, Etienne Beguin and 7 othersResignation: Marc Jans (director)11 facts ▸
State Gazette act
Appointments: Fabien Lejeusne, Etienne Beguin and 7 others
Resignation: Marc Jans (director)11 facts ▸
- General meeting, 29-06-2026
- Director appointment, Fabien Lejeusne (director)
- Director appointment, Etienne Beguin (administrateur, président du conseil)
- Director appointment, Virginie Dubois (administratrice, trésorière)
- Director appointment, Stéphane Décisier (administrateur, secrétaire)
- Director appointment, Elisabeth Hustin (director)
- Director appointment, Joël Rochette (director)
- Director appointment, Thierry Charue (managing director)
- Director appointment, Bernard Saintmard (director)
- Director appointment, Pierre Renard (director)
- Director resignation, Marc Jans (director)
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 49 days late
2025
31-12
Financial
Back to profitnet €65,016
Net result €65,016 after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 63 days late
2023
31-12
Financial
Back to profitnet €149,971
Net result €149,971 after 2 loss-making years.
31-12
Financial
Equity above €5mEq €5.4m ▲7.6%
Equity rises from €5.0m to €5.4m.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2008
11-08
NBB filing
Annual accounts filed
fiscal year 2007 · full schema · 11 days late
2007
14-05
NBB filing
Annual accounts filed
fiscal year 2006 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 9 acts read
About the unread acts
Of the 9 Belgian State Gazette acts we know for this company, 1 has been read. The other 8 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
under verification, last change in 2026
This board is reconstructed from a single act (26364884). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Board 8
Bernard Saintmard
CurrentDirector · since 29-06-2026
Elisabeth Hustin
CurrentDirector · since 29-06-2026
Etienne Beguin
CurrentAdministrateur, président du conseil · since 29-06-2026
Fabien Lejeusne
CurrentDirector · since 29-06-2026
Joël Rochette
CurrentDirector · since 29-06-2026
Pierre Renard
CurrentDirector · since 29-06-2026
Stéphane Décisier
CurrentAdministrateur, secrétaire · since 29-06-2026
Virginie Dubois
CurrentAdministratrice, trésorière · since 29-06-2026
Day-to-day management 1
Thierry Charue
CurrentManaging director · since 29-06-2026
Other functions 2
Stéphane Décisier
CurrentAdministrateur, secrétaire · since 29-06-2026
Virginie Dubois
CurrentAdministratrice, trésorière · since 29-06-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
8 of this company's 9 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Beauraing · 2 establishment units since 2008
Ground area
1.1 ha
Building footprint
1,493 m²
Volume, LiDAR
18,226 m³
2 parcels, Wallonia · tallest building 17.0 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Pro Maria
since 20082.195.604.106
Maison de l'accueil
since 20242.367.258.175
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91013B0704/00Z000 | Wallonia | 7,515 m² | 1 · 1,337 m² | 17.0 m · 4 fl. |
| 91013B0703/00T000 | Wallonia | 3,320 m² | 1 · 156 m² | 14.9 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
10 people since 2026, 9 in office
- Board
- Day-to-day management
- Other function
- began earlier
| Name | Functions and periods |
|---|---|
| Bernard Saintmard |
|
| Elisabeth Hustin |
|
| Etienne Beguin |
|
| Fabien Lejeusne |
|
| Joël Rochette |
|
| Pierre Renard |
|
| Stéphane Décisier |
|
| Virginie Dubois |
|
| Thierry Charue |
|
| Marc Jans |
|
Structure & network
Connections & network
9 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeauraing2.367.258.175
Similar companies · same sector, comparable size
PRADA BELGIUM
BE 0643.876.793
Brussel · Eq €5.4m
CORIUM
BE 0461.297.257
Oudenaarde · Eq €6.0m
LA MAISONNEE
BE 0411.081.941
Ittre · Eq €4.1m
Paters Augustijnen
BE 0406.788.405
Leuven · Eq €6.6m
DE KINDERPLANEET
BE 0419.484.913
Tremelo · Eq €3.8m
Of 1,392 companies in sector 47784 we hold annual accounts for 429. 51 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formNon-profit association
Founded13-12-1933
Fiscal year end31-12
Activities, NACEBEL 2025
47784Retail sale of souvenirs and religious articles
94910Activities of religious organisations
E-invoicing
Reachable via Peppol
Peppol ID
0208:0402582563
Registered
20-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.