SA-MARIE
ActiveSA-MARIE has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €756k and a net result of €65k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 65% of 8092 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▲+3
Solvency95▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity short (current ratio 0.71 against 0.83 in 2023; short-term debt: 11.6% of total assets), and 30% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 2024Solvency, return and age of the figures
Solvency
70%
Return on assets
6%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
37 d early
2022
42 d early
2021
9 d early
2020
40 d early
2019
37 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€756k▲ 4.0%
2023 · €726k
2018: €35k
2019: €72k
2020: €637k
2021: €682k
2022: €712k
2023: €726k
2018 → 2024
Total assets
€1.08M▲ 0.8%
2023 · €1.07M
2018: €70k
2019: €98k
2020: €1.14M
2021: €1.10M
2022: €1.08M
2023: €1.07M
2018 → 2024
Net result
€65k▲ 92.0%
2023 · €34k
2018: €42k
2019: €37k
2020: €71k
2021: €45k
2022: €30k
2023: €34k
2018 → 2024
Working capital
€-37k▼ 125%
2023 · €-16k
2018: €34k
2019: €51k
2020: €26k
2021: €27k
2022: €14k
2023: €-16k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€637k-€682k▲ 7.1%€712k▲ 4.4%€726k▲ 2.0%€756k▲ 4.0%
Operating result€107k-€73k▼ 31.8%€51k▼ 29.9%€56k▲ 9.3%€99k▲ 77.5%
Net result€71k-€45k▼ 36.3%€30k▼ 33.0%€34k▲ 12.8%€65k▲ 92.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 77% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.08M
Fixed assets
€991k▲ 0.1%
Current assets
€89k▲ 9.5%
Equity and liabilities €1.08M
Equity
€756k▲ 4.0%
Debt
€325k▼ 5.9%
The debt ratio falls from 32.2% to 30.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€99k▲
2023 · €61k
Cash flow
€65k▲
2023 · €39k
Solvency
70.0%▲
2023 · 67.8%
Current ratio
0.71▼
2023 · 0.83
Quick ratio
0.71▼
2023 · 0.83
Debt / equity
0.43▼
2023 · 0.47
ROE
8.6%▲
2023 · 4.7%
ROA
6.0%▲
2023 · 3.2%
Interest coverage
25.96▲
2023 · 18.91
Debt
€325k▼
2023 · €345k
Debt ≤ 1 year
€125k▲
2023 · €97k
Debt > 1 year
€198k▼
2023 · €248k
Income taxes
€31k▲
2023 · €19k
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€1.07M€1.08M▲
Fixed assets21/28€990k€991k▲
Tangible fixed assets22/27-€1k
Plant, machinery and equipment23-€1k
Financial fixed assets28€990k€990k=
Current assets29/58€81k€89k▲
Amounts receivable within one year40/41-€16k
Trade receivables40-€16k
Cash at bank and in hand54/58€81k-
Deferred charges and accrued income490/1€460€73k▲
Equity and liabilities
Total equity and liabilities10/49€1.07M€1.08M▲
Equity10/15€726k€756k▲
Contributions10/11€507k€507k=
Reserves13€182k€211k▲
Distributable reserves133€182k€211k▲
Profit (loss) carried forward14€37k€37k▲
Amounts payable17/49€345k€325k▼
Amounts payable after more than one year17€248k€198k▼
Financial debts170/4€248k€198k▼
Amounts payable within one year42/48€97k€125k▲
Current portion of amounts payable after more than one year42€50k€50k=
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Taxes, remuneration and social security45€13k€21k▲
Taxes450/3€10k€18k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€27k€46k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€70▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€63k€101k▲
Operating profit (loss)9901€56k€99k▲
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€53k€96k▲
Income taxes67/77€19k€31k▲
Profit (loss) for the period9904€34k€65k▲
Profit (loss) for the period to be appropriated9905€34k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70k€102k▲
Profit (loss) brought forward from the previous period14P€36k€37k▲
Transfer from equity791/2€20k€36k▲
Transfer to equity691/2€33k€65k▲
To other reserves6921€33k€65k▲
Profit to be distributed694/7€20k€36k▲
Return on contributions (dividend)694€20k€36k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €30k ▼33%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €71k ▲92%
Operating result €107k, net result €71k, both a record.
31-12
Financial
Equity above €500kEq €637k ▲790%
3 profitable years in a row build equity to €637k.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lo-Reninge · 1 establishment unit since 2018
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.
Burgweg 438647 Lo-ReningeGround area
760 m²
Building footprint
202 m²
Volume, LiDAR
1,102 m³
Parcel 32020B0100/00H002, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SA-MARIE
since 20182.271.828.189
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32020B0100/00H002 | Flanders | 760 m² | 1 · 201 m² | 9.1 m · 2 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.
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BABAS CONSULT
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ACADONE
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B.M.SOLUTIONS
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 30,815 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.