VANDERPER MARNIK
ActiveVANDERPER MARNIK has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €293k and a net result of €904. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 65% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+4
Solvency76▲+6
Growth42▼-4
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.3 in 2024; short-term debt: 15.7% and cash: 2.5% of total assets), and 48.7% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
51.3%
Return on assets
0.2%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
17 d early
2023
37 d early
2022
25 d early
2021
30 d early
2020
29 d early
2019
14 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€287k▼ 22.1%
2024 · €368k
2018: €378k
2019: €344k
2020: €409k
2021: €519k
2022: €511k
2023: €443k
2024: €368k
2018 → 2025
EBIT margin
3.0%▲ 0.9pp
2024 · 2.1%
2018: 5.6%
2019: 6.2%
2020: 9.0%
2021: 12.9%
2022: 11.5%
2023: 11.9%
2024: 2.1%
2018 → 2025
Net result
€904▲ 325%
2024 · €213
2018: €16k
2019: €17k
2020: €27k
2021: €53k
2022: €43k
2023: €34k
2024: €213
2018 → 2025
Working capital
€50k▲ 15.8%
2024 · €44k
2018: €45k
2019: €50k
2020: €62k
2021: €79k
2022: €87k
2023: €82k
2024: €44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€519k-€511k▼ 1.4%€443k▼ 13.4%€368k▼ 16.8%€287k▼ 22.1%
Equity€277k-€298k▲ 7.5%€307k▲ 2.9%€293k▼ 4.4%€293k=
Operating result€67k-€59k▼ 12.0%€53k▼ 11.0%€8k▼ 85.0%€9k▲ 10.3%
Net result€53k-€43k▼ 18.8%€34k▼ 20.1%€213▼ 99.4%€904▲ 325%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €572k
Fixed assets
€432k▼ 6.7%
Current assets
€140k▼ 26.4%
Equity and liabilities €572k
Equity
€293k=
Debt
€279k▼ 22.6%
The debt ratio falls from 55.1% to 48.7%. Debt is lower.
Key figures and ratios
EBITDA
€57k▼
2024 · €61k
Cash flow
€49k▼
2024 · €53k
Solvency
51.3%▲
2024 · 44.9%
Current ratio
1.56▲
2024 · 1.30
Quick ratio
1.21▲
2024 · 1.15
Debt / equity
0.95▼
2024 · 1.23
ROE
0.3%▲
2024 · 0.1%
ROA
0.2%▲
2024 · 0.0%
Interest coverage
7.10▼
2024 · 7.39
Debt
€279k▼
2024 · €360k
Debt ≤ 1 year
€90k▼
2024 · €147k
Debt > 1 year
€189k▼
2024 · €213k
Income taxes
€132▲
2024 · €128
Staff costs
€13k▼
2024 · €41k
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€653k€572k▼
Fixed assets21/28€463k€432k▼
Tangible fixed assets22/27€463k€432k▼
Land and buildings22€303k€280k▼
Plant, machinery and equipment23€145k€125k▼
Furniture and vehicles24€11k€8k▼
Leasing and similar rights25€4k€18k▲
Current assets29/58€190k€140k▼
Amounts receivable after more than one year29€9k-
Other amounts receivable291€9k-
Stocks and contracts in progress3€21k€32k▲
Stocks30/36€21k€22k▲
Contracts in progress37-€10k
Amounts receivable within one year40/41€118k€89k▼
Trade receivables40€96k€55k▼
Other amounts receivable41€22k€34k▲
Current investments50/53€21€41▲
Cash at bank and in hand54/58€36k€14k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€653k€572k▼
Equity10/15€293k€293k=
Contributions10/11€124k€124k=
Reserves13€169k€169k=
Distributable reserves133€169k€169k=
Amounts payable17/49€360k€279k▼
Amounts payable after more than one year17€213k€189k▼
Financial debts170/4€213k€189k▼
Amounts payable within one year42/48€147k€90k▼
Current portion of amounts payable after more than one year42€57k€40k▼
Trade debts44€35k€12k▼
Suppliers440/4€35k€12k▼
Taxes, remuneration and social security45€29k€19k▼
Taxes450/3€28k€19k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€26k€18k▼
Accrued charges and deferred income492/3€85€93▲
Income statement
Code20242025
Turnover70€368k€287k▼
Goods, raw materials, services and sundry goods60/61€260k€219k▼
Remuneration, social security and pensions62€41k€13k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€48k▼
Other operating charges640/8€10k€11k▲
Gross operating margin9900€112k€81k▼
Operating profit (loss)9901€8k€9k▲
Financial income75/76B€698€408▼
Recurring financial income75€698€408▼
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€341€1k▲
Income taxes67/77€128€132▲
Profit (loss) for the period9904€213€904▲
Profit (loss) for the period to be appropriated9905€213€904▲
Appropriation of the result
Profit (loss) to be appropriated9906€213€904▲
Transfer from equity791/2€14k-
Profit to be distributed694/7€14k€904▼
Return on contributions (dividend)694€14k€904▼
The notes to these accounts (8 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €213 ▼99.4%
Net result drops to €213, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €53k ▲91.5%
Operating result €67k, net result €53k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €202k ▲2.3%
2 profitable years in a row build equity to €202k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Houthulst · 1 establishment unit since 2000
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.
Nijverheidsstraat 128650 HouthulstGround area
3,986 m²
Building footprint
1,854 m²
Volume, LiDAR
9,216 m³
Parcel 32006D0103/00M000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nijverheidsstraat 12, 8650 Houthulst
since 20002.115.825.861
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32006D0103/00M000 | Flanders | 3,986 m² | 1 · 1,854 m² | 7.0 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.
Similar companies · same sector, comparable size
CERAM Découpe
BE 0534.895.612
Fleurus · Eq €293k
BO-BOIS
BE 0418.862.628
Mouscron · Eq €293k
ETS VANDEWALLE - SONVEAU
BE 0440.247.168
Leuze-en-Hainaut · Eq €292k
Brico GH
BE 0682.761.125
Sint-Lambrechts-Woluwe · Eq €295k
ARYMEX
BE 0462.747.111
Kortrijk · Eq €295k
Of 1,720 companies in sector 47521 we hold annual accounts for 1,288. 1,038 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2000
Fiscal year end31-12
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
16240Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials
16281Manufacture of other wood products
20510
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.