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STANDAERT MARNIK

Active
Private limited companyfounded 200719 yrs activeEngelstraat(ICH) 225C, 8480 Ichtegem, BelgiumKBO/BCE: BE 0887.165.265
Summary

STANDAERT MARNIK has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €304,701 and a net result of -€31,592. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 33943 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
STANDAERT MARNIKActiveChecked score 86/100
Risk analysis ReportCompare

Overview

Activity
Joinery installation
NACE 43320NACE 45421
1 site
Size
€308,492turnover 2025
Staff
1 FTE
Equity
€304,701
Loss
-€31,592
Financial health
86 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts 16 d early0 of 2 deeds read
Why 86- Loss of €31,592, the second in a row (FY 2025)- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 6.40, cash €77,708+ Equity €304,701 (91.9% of total assets)Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Better than 55% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 91.9% of total assets
Liquidity 79+10
short-term debt 8.1% · cash 23.4%
Profitability 54+3
return on assets -9.5%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,515 companies)
Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● 0.0% vs 11-2024lowest value 01-2025: 0.1%● 0.0% vs 12-2024lowest value 02-2025: 0.1%▲ +2.3% vs 01-2025 03-2025: 0.1%▲ +9.8% vs 02-2025 04-2025: 0.2%▲ +8.3% vs 03-2025 05-2025: 0.1%▼ -5.7% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.2%▲ +20.3% vs 06-2025 08-2025: 0.5%▲ +156% vs 07-2025 09-2025: 0.5%● 0.0% vs 08-2025 10-2025: 0.5%● 0.0% vs 09-2025 11-2025: 0.5%● 0.0% vs 10-2025 12-2025: 0.5%● 0.0% vs 11-2025 01-2026: 0.5%● 0.0% vs 12-2025 02-2026: 0.5%▲ +1.8% vs 01-2026 03-2026: 0.5%▲ +8.9% vs 02-2026 04-2026: 0.5%▲ +5.8% vs 03-2026 05-2026: 0.5%▼ -1.1% vs 04-2026 06-2026: 0.5%▲ +0.4% vs 05-2026 07-2026: 0.6%▲ +4.7% vs 06-2026highest value 08-2026: 0.3%▼ -42.4% vs 07-2026 09-2026: 0.3%● 0.0% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026
  • Loss of €31,592, the second in a row (FY 2025) raises the probability
  • Liquidity: current ratio 6.40, cash €77,708 lowers the probability
  • Equity €304,701 (91.9% of total assets) lowers the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 6.4 against 2.91 in 2024; short-term debt: 8.1% and cash: 23.4% of total assets), and 8.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 90%, liquidity 77%, profitability 26%, growth against the median 26%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €31,592, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 6.40, cash €77,708
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €304,701 (91.9% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€31,592
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
16 d early
2024
23 d early
2023
30 d late
2022
49 d early
2021
29 d late
2020
23 d early
2019
105 d late
← 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 8 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 15 July (4 of the last 5 filed years within 45 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Liquidity doublescurrent ratio 6.40
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: Among the weakest 5% on net resultsector median €10,146 · 33,931 companies -€31,592 View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€31,592 View
  • Turnover 20256 fiscal years filed €308,492 View

By topic

Financials

Fiscal year
2025
Turnover
€308,492
Loss
-€31,592
Solvency
91.9%
Turnover▼ 16.7%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 15-07-2026Annual accounts filed
  2. 31-12-2025Liquidity doubles
  3. 08-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Joinery installationNACE 43320
Founded
08-02-2007
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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