Drs Namur-Marques
ActiveDrs Namur-Marques has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.21M and a net result of €259k. Equity is growing by ~43.6% per year across the filed fiscal years. Its solvency ranks better than 94% of 637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 12.03 against 4.18 in 2024; short-term debt: 6.3% and cash: 40.8% of total assets), and 6.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
93.7%
Return on assets
20%
Age of the figures
15 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
3 d late
2023
20 d early
2022
47 d early
2021
41 d early
2020
44 d early
2019
25 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€259k▼ 26.7%
2024 · €353k
2019: €147k
2020: €148k
2021: €183k
2022: €257k
2023: €289k
2024: €353k
2019 → 2025
Working capital
€890k▲ 26.0%
2024 · €706k
2019: €49k
2020: €74k
2021: €97k
2022: €180k
2023: €407k
2024: €706k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€378k-€495k▲ 31.0%€734k▲ 48.4%€1.05M▲ 43.0%€1.21M▲ 15.2%
Operating result€229k-€335k▲ 46.1%€389k▲ 16.0%€485k▲ 24.7%€397k▼ 18.1%
Net result€183k-€257k▲ 40.7%€289k▲ 12.5%€353k▲ 21.9%€259k▼ 26.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.29M
Fixed assets
€320k▼ 15.6%
Current assets
€970k▲ 4.5%
Equity and liabilities €1.29M
Equity
€1.21M▲ 15.2%
Debt
€81k▼ 68.6%
The debt ratio falls from 19.7% to 6.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€477k▼
2024 · €570k
Cash flow
€338k▼
2024 · €438k
Solvency
93.7%▲
2024 · 80.3%
Current ratio
12.03▲
2024 · 4.18
Quick ratio
12.03▲
2024 · 4.18
Debt / equity
0.07▼
2024 · 0.25
ROE
21.4%▼
2024 · 33.6%
ROA
20.0%▼
2024 · 27.0%
Interest coverage
9.93▼
2024 · 280.82
Debt
€81k▼
2024 · €257k
Debt ≤ 1 year
€81k▼
2024 · €222k
Income taxes
€104k▼
2024 · €136k
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€1.31M€1.29M▼
Fixed assets21/28€379k€320k▼
Intangible fixed assets21€250k€190k▼
Tangible fixed assets22/27€129k€129k▲
Land and buildings22€112k€107k▼
Plant, machinery and equipment23€1k€424▼
Furniture and vehicles24€14k€21k▲
Other tangible fixed assets26€1k€1k=
Current assets29/58€929k€970k▲
Amounts receivable within one year40/41€365k€441k▲
Trade receivables40€121k€109k▼
Other amounts receivable41€243k€332k▲
Cash at bank and in hand54/58€563k€526k▼
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.29M▼
Equity10/15€1.05M€1.21M▲
Contributions10/11€6k€6k=
Reserves13€675k€834k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€293k€293k=
Distributable reserves133€381k€540k▲
Profit (loss) carried forward14€369k€369k=
Amounts payable17/49€257k€81k▼
Amounts payable after more than one year17€35k-
Financial debts170/4€35k-
Amounts payable within one year42/48€222k€81k▼
Current portion of amounts payable after more than one year42€95k€35k▼
Trade debts44€910€12k▲
Suppliers440/4€910€12k▲
Taxes, remuneration and social security45€99k€34k▼
Taxes450/3€99k€34k▼
Other amounts payable47/48€28k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€85k€80k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€572k€480k▼
Operating profit (loss)9901€485k€397k▼
Financial income75/76B€6k€13k▲
Recurring financial income75€6k€13k▲
Financial charges65/66B€2k€48k▲
Recurring financial charges65€2k€48k▲
Profit (loss) for the period before taxes9903€489k€362k▼
Income taxes67/77€136k€104k▼
Profit (loss) for the period9904€353k€259k▼
Transfer to tax-exempt reserves689€116k-
Profit (loss) for the period to be appropriated9905€237k€259k▲
Appropriation of the result
Profit (loss) to be appropriated9906€606k€627k▲
Profit (loss) brought forward from the previous period14P€369k€369k=
Transfer from equity791/2-€59k
Transfer to equity691/2€200k€219k▲
To other reserves6921€200k€219k▲
Profit to be distributed694/7€37k€99k▲
Return on contributions (dividend)694-€59k
Directors or managers695€37k€40k▲
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Liquidity triplescurrent ratio 12.03
Current ratio from 4.18 to 12.03; short-term debt falls from €222k to €81k.
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 3 days late
2024
30-06
Financial
Highest result since 2019net €353k ▲21.9%
Operating result €485k, net result €353k, both a record.
30-06
Financial
Equity above €1MEq €1.05M ▲43%
6 profitable years in a row build equity to €1.05M.
11-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Equity above €500kEq €734k ▲48.4%
5 profitable years in a row build equity to €734k.
2022
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
30-06
Financial
Equity above €200kEq €240k ▲56.5%
2 profitable years in a row build equity to €240k.
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Liège · 1 establishment unit since 2018
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.
Av. Constantin-de-Gerlache 644000 Liège1 establishment unit
Av. Constantin-de-Gerlache 64, 4000 Liège
since 20182.279.102.397
Recognitions · licences · registrations
Legal Entity Identifier
254900GEJN2U0Y4CHU59
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,974. 5,504 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2018
Fiscal year end30-06
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filings
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.