VREYS MARC is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.36M and a net result of €271k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 83% of 8018 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-08-2026, 22 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 · 10 filingsDeviation from the deadline
2025
22 d late
2024
26 d late
2023
28 d late
2022
10 d late
2021
18 d late
2020
36 d early
2019
19 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.36M▲ 24.8%
2024 · €1.09M
2018: €864k
2019: €848k
2020: €945k
2021: €579k
2022: €690k
2023: €870k
2024: €1.09M
2018 → 2025
Net result
€271k▲ 21.0%
2024 · €224k
2018: €66k
2019: €41k
2020: €97k
2021: €214k
2022: €111k
2023: €180k
2024: €224k
2018 → 2025
Total assets
€1.60M▼ 2.3%
2024 · €1.64M
2018: €1.24M
2019: €1.16M
2020: €1.21M
2021: €962k
2022: €1.33M
2023: €1.28M
2024: €1.64M
2018 → 2025
Solvency
85.1%▲ 18.4pp
2024 · 66.6%
2018: 69.5%
2019: 73.2%
2020: 78.0%
2021: 60.2%
2022: 52.0%
2023: 67.7%
2024: 66.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€579k-€690k▲ 19.2%€870k▲ 26.0%€1.09M▲ 25.4%€1.36M▲ 24.8%
Operating result€276k-€172k▼ 37.6%€270k▲ 57.0%€324k▲ 19.9%€371k▲ 14.3%
Net result€214k-€111k▼ 48.0%€180k▲ 61.5%€224k▲ 24.5%€271k▲ 21.0%
Turnover and EBIT margin not published: the abbreviated or 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 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.60M
Fixed assets
€1.33M▲ 39.7%
Current assets
€273k▼ 60.2%
Equity and liabilities €1.60M
Equity
€1.36M▲ 24.8%
Debt
€239k▼ 56.3%
The debt ratio falls from 33.4% to 14.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
85.1%▲
2024 · 66.6%
ROE
19.9%▼
2024 · 20.5%
ROA
16.9%▲
2024 · 13.7%
Debt
€239k▼
2024 · €547k
Debt ≤ 1 year
€63k▼
2024 · €332k
Debt > 1 year
€176k▼
2024 · €214k
Income taxes
€93k▼
2024 · €97k
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€1.64M€1.60M▼
Fixed assets21/28€950k€1.33M▲
Tangible fixed assets22/27€880k€1.26M▲
Land and buildings22€874k€1.25M▲
Plant, machinery and equipment23€4k€6k▲
Furniture and vehicles24€1k€58▼
Other tangible fixed assets26€951€475▼
Financial fixed assets28€70k€70k=
Current assets29/58€688k€273k▼
Amounts receivable within one year40/41€404k€109k▼
Trade receivables40€400k€0▼
Other amounts receivable41€4k€109k▲
Current investments50/53€0-
Cash at bank and in hand54/58€45k€164k▲
Deferred charges and accrued income490/1€238k€0▼
Equity and liabilities
Total equity and liabilities10/49€1.64M€1.60M▼
Equity10/15€1.09M€1.36M▲
Contributions10/11€19k€19k=
Reserves13€1.07M€1.34M▲
Distributable reserves133€1.07M€1.34M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€547k€239k▼
Amounts payable after more than one year17€214k€176k▼
Financial debts170/4€214k€176k▼
Amounts payable within one year42/48€332k€63k▼
Current portion of amounts payable after more than one year42€51k€38k▼
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€2k€23k▲
Taxes450/3€2k€23k▲
Other amounts payable47/48€275k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€30k▼
Other operating charges640/8€7k€8k▲
Gross operating margin9900€378k€408k▲
Operating profit (loss)9901€324k€371k▲
Financial income75/76B€4k€0▼
Recurring financial income75€4k€0▼
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€321k€364k▲
Income taxes67/77€97k€93k▼
Profit (loss) for the period9904€224k€271k▲
Profit (loss) for the period to be appropriated9905€224k€271k▲
Appropriation of the result
Profit (loss) to be appropriated9906€224k€271k▲
Transfer to equity691/2€221k€271k▲
To other reserves6921€221k€271k▲
Profit to be distributed694/7€3k€0▼
Directors or managers695€3k€0▼
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
Next filing, fiscal year 2026, expected by
2026
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
2025
31-12
Financial
Highest result since 2018net €271k ▲21%
Operating result €371k, net result €271k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.36
Current ratio from 2.07 to 4.36; short-term debt falls from €332k to €63k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Equity above €1MEq €1.09M ▲25.4%
7 profitable years in a row build equity to €1.09M.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 19 days late
2019
31-12
Financial
Weakest financial yearnet €41k ▼38.2%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Sint-Truiden · 1 establishment unit since 2003
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.
Gippershovenstraat 93800 Sint-TruidenGround area
1,191 m²
Building footprint
275 m²
Volume, LiDAR
1,437 m³
Parcel 71064B0151/00W002, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VREYS MARC
since 20032.132.286.761
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71064B0151/00W002 | Flanders | 1,191 m² | 1 · 275 m² | 8.0 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 11,984 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2003
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.