VZW Dienstenchequebedrijf Marke
ActiveVZW Dienstenchequebedrijf Marke has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €261k and a net result of €4k. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 67% of 1046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
81
/ 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
Profitability54▼-9
Solvency78▲+10
Growth51=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 1.75 in 2024; short-term debt: 47% and cash: 41.6% of total assets), and 47% 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○neutral
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%
Return on assets
0.8%
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 €261k
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 02-06-2026, 59 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
59 d early
2024
34 d early
2023
15 d early
2022
26 d early
2021
19 d early
2020
11 d early
2019
70 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.64M▼ 1.8%
2024 · €1.67M
2018: €1.52M
2019: €1.57M
2020: €1.47M
2021: €1.48M
2022: €1.53M
2023: €1.66M
2024: €1.67M
2018 → 2025
EBIT margin
0.4%▼ 3.5pp
2024 · 3.9%
2018: 2.6%
2019: 2.3%
2020: 5.2%
2021: -13.3%
2022: -5.1%
2023: 1.6%
2024: 3.9%
2018 → 2025
Net result
€4k▼ 90.2%
2024 · €39k
2018: €-43k
2019: €27k
2020: €76k
2021: €-197k
2022: €-78k
2023: €28k
2024: €39k
2018 → 2025
Working capital
€251k▼ 1.4%
2024 · €255k
2018: €356k
2019: €376k
2020: €454k
2021: €263k
2022: €186k
2023: €216k
2024: €255k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.48M-€1.53M▲ 3.3%€1.66M▲ 8.5%€1.67M▲ 0.7%€1.64M▼ 1.8%
Equity€268k-€190k▼ 29.0%€218k▲ 14.6%€257k▲ 18.0%€261k▲ 1.5%
Operating result€-197k-€-77k▲ 60.6%€26k€65k▲ 149%€7k▼ 89.8%
Net result€-197k-€-78k▲ 60.5%€28k€39k▲ 41.4%€4k▼ 90.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 90% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €492k
Fixed assets
€9k▲ 148%
Current assets
€483k▼ 18.9%
Equity and liabilities €492k
Equity
€261k▲ 1.5%
Debt
€232k▼ 32.3%
The debt ratio falls from 57.1% to 47.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €67k
Cash flow
€6k▼
2024 · €41k
Solvency
53.0%▲
2024 · 42.9%
Current ratio
2.08▲
2024 · 1.75
Quick ratio
2.08▲
2024 · 1.75
Debt / equity
0.89▼
2024 · 1.33
ROE
1.5%▼
2024 · 15.3%
ROA
0.8%▼
2024 · 6.5%
Interest coverage
13.21▼
2024 · 151.91
Debt
€232k▼
2024 · €342k
Debt ≤ 1 year
€232k▼
2024 · €340k
Income taxes
€6k▼
2024 · €33k
Staff costs
€1.66M▲
2024 · €1.63M
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€599k€492k▼
Formation expenses20-€0
Fixed assets21/28€4k€9k▲
Intangible fixed assets21-€0
Tangible fixed assets22/27€4k€9k▲
Land and buildings22-€9k
Plant, machinery and equipment23€4k€187▼
Furniture and vehicles24€249-
Current assets29/58€595k€483k▼
Amounts receivable after more than one year29€450-
Other amounts receivable291€450-
Amounts receivable within one year40/41€123k€73k▼
Trade receivables40€123k€73k▼
Current investments50/53€175k€176k▲
Cash at bank and in hand54/58€286k€205k▼
Deferred charges and accrued income490/1€10k€30k▲
Equity and liabilities
Total equity and liabilities10/49€599k€492k▼
Equity10/15€257k€261k▲
Profit (loss) carried forward14€257k€261k▲
Amounts payable17/49€342k€232k▼
Amounts payable within one year42/48€340k€232k▼
Trade debts44€30k€51k▲
Suppliers440/4€30k€51k▲
Taxes, remuneration and social security45€143k€115k▼
Taxes450/3€31k-
Remuneration and social security454/9€112k€115k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Turnover70€1.67M€1.64M▼
Goods, raw materials, services and sundry goods60/61€67k€93k▲
Remuneration, social security and pensions62€1.63M€1.66M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€7k€5k▼
Gross operating margin9900€1.70M€1.67M▼
Operating profit (loss)9901€65k€7k▼
Financial income75/76B€7k€4k▼
Recurring financial income75€6k€3k▼
Non-recurring financial income76B€1k€610▼
Financial charges65/66B€440€644▲
Recurring financial charges65€440€644▲
Profit (loss) for the period before taxes9903€72k€10k▼
Income taxes67/77€33k€6k▼
Profit (loss) for the period9904€39k€4k▼
Profit (loss) for the period to be appropriated9905€39k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€257k€261k▲
Profit (loss) brought forward from the previous period14P€218k€257k▲
Social balance
Average headcount (FTE)908746.044.0▼
The notes to these accounts (9 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €218k ▲14.6%
Equity rises from €190k to €218k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-197k ▼360%
Net result drops to €-197k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €76k ▲185%
Operating result €76k, net result €76k, both a record.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 70 days late
2019
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Kortrijk · 1 establishment unit since 2008
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.
Kloosterstraat(Mar) 188510 KortrijkGround area
1,078 m²
Building footprint
352 m²
Volume, LiDAR
1,689 m³
Parcel 34026B0006/00H004, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VZW Dienstenchequebedrijf Marke
since 20082.185.779.093
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026B0006/00H004 | Flanders | 1,078 m² | 1 · 352 m² | 11.1 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 11 entries · 4,125,641 EUR awarded · 4,124,746 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 4 | 1,045,797 EUR | 1,046,189 EUR |
| 2024 | 3 | 1,044,201 EUR | 1,045,967 EUR |
| 2023 | 2 | 1,082,895 EUR | 1,083,097 EUR |
| 2022 | 2 | 952,748 EUR | 949,493 EUR |
Schemes
Dienstencheques
Opleidingsfonds dienstencheques
Vlaams opleidingsverlof (VOV)
Recognitions: source did not answer, try again later.
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Of 810 companies in sector 96910 we hold annual accounts for 618. 461 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded02-03-2007
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.