SERGIO MARRA
ActiveSERGIO MARRA has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 57% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+6
Solvency78▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.04 in 2024; short-term debt: 46.8% and cash: 27.3% of total assets), and 46.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 43
Relative position
BE, all sectors
reference
Sector 43
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 2025Solvency, return and age of the figures
Solvency
53.2%
Return on assets
27%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €44k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
19 d late
2023
8 d late
2022
1 d late
2021
31 d early
2020
20 d late
2019
on the day
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▲ 60.6%
2024 · €27k
2018: €-3k
2019: €8k
2020: €17k
2021: €14k
2022: €6k
2023: €14k
2024: €27k
2018 → 2025
Total assets
€83k▲ 22.8%
2024 · €67k
2018: €27k
2019: €61k
2020: €74k
2021: €49k
2022: €37k
2023: €67k
2024: €67k
2018 → 2025
Net result
€22k▲ 64.2%
2024 · €14k
2018: €7k
2019: €21k
2020: €9k
2021: €6k
2022: €-8k
2023: €13k
2024: €14k
2018 → 2025
Working capital
€17k▲ 923%
2024 · €2k
2018: €-15k
2019: €-12k
2020: €-6k
2021: €-8k
2022: €-12k
2023: €-8k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€6k▼ 56.0%€14k▲ 127%€27k▲ 98.5%€44k▲ 60.6%
Operating result€12k-€-6k€18k€27k▲ 54.9%€43k▲ 57.3%
Net result€6k-€-8k€13k€14k▲ 2.6%€22k▲ 64.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 57% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€27k▲ 6.0%
Current assets
€55k▲ 33.2%
Equity and liabilities €83k
Equity
€44k▲ 60.6%
Debt
€39k▼ 3.1%
The debt ratio falls from 59.3% to 46.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▲
2024 · €35k
Cash flow
€31k▲
2024 · €21k
Solvency
53.2%▲
2024 · 40.7%
Current ratio
1.43▲
2024 · 1.04
Quick ratio
1.43▲
2024 · 1.04
Debt / equity
0.88▼
2024 · 1.46
ROE
50.7%▲
2024 · 49.6%
ROA
27.0%▲
2024 · 20.2%
Interest coverage
6.98▼
2024 · 7.54
Debt
€39k▼
2024 · €40k
Debt ≤ 1 year
€39k▼
2024 · €40k
Income taxes
€13k▲
2024 · €9k
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€67k€83k▲
Fixed assets21/28€26k€27k▲
Tangible fixed assets22/27€26k€27k▲
Plant, machinery and equipment23€7k€7k▼
Furniture and vehicles24€10k€7k▼
Other tangible fixed assets26€9k€13k▲
Current assets29/58€42k€55k▲
Amounts receivable within one year40/41€39k€15k▼
Trade receivables40€24k€15k▼
Other amounts receivable41€15k€0▼
Cash at bank and in hand54/58€1k€23k▲
Deferred charges and accrued income490/1€1k€18k▲
Equity and liabilities
Total equity and liabilities10/49€67k€83k▲
Equity10/15€27k€44k▲
Contributions10/11€6k€6k=
Reserves13€21k€38k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€21k€38k▲
Profit (loss) carried forward14€3€3=
Amounts payable17/49€40k€39k▼
Amounts payable within one year42/48€40k€39k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€2k€0▼
Credit institutions430/8€2k€0▼
Trade debts44€13k€12k▼
Suppliers440/4€13k€12k▼
Taxes, remuneration and social security45€12k€17k▲
Taxes450/3€12k€17k▲
Other amounts payable47/48€13k€10k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€13k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€62€0▼
Gross operating margin9900€36k€53k▲
Operating profit (loss)9901€27k€43k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€23k€35k▲
Income taxes67/77€9k€13k▲
Profit (loss) for the period9904€14k€22k▲
Profit (loss) for the period to be appropriated9905€14k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€22k▲
Profit (loss) brought forward from the previous period14P€3€3=
Transfer from equity791/2-€6k
Transfer to equity691/2€14k€22k▲
To other reserves6921€14k€22k▲
Profit to be distributed694/7€0€6k▲
Return on contributions (dividend)694€0€6k▲
The notes to these accounts (5 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €22k ▲64.2%
Operating result €43k, net result €22k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
31-12
Financial
Weakest financial yearnet €-8k ▼235%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
18-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 49 days late
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, Lennik · 1 establishment unit since 2006
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.
Nellekenstraat 241750 LennikGround area
592 m²
Building footprint
177 m²
Volume, LiDAR
955 m³
Parcel 23072C0426/00D000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sergio Marra
since 20062.156.031.668
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23072C0426/00D000 | Flanders | 592 m² | 1 · 177 m² | 9.3 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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Of 7,864 companies in sector 43341 we hold annual accounts for 2,662. 2,294 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2006
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
45441
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.