L'IMAGE DE MARC
ActiveThe computed 12-month bankruptcy probability of L'IMAGE DE MARC is 2.2% (moderate). The 2025 annual accounts show equity of €26k and a net result of €-9k. Equity is growing by ~35.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 13240 sector peers (fiscal year 2025). The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-95
Solvency96▼-4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 2.2 in 2024; short-term debt: 29.4% and cash: 50.3% of total assets), and 29.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70.6%
Return on assets
-23.1%
Age of the figures
9 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
31 d early
2023
14 d late
2022
21 d early
2021
26 d early
2020
25 d early
2019
8 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
Equity
€26k▼ 24.6%
2024 · €35k
2018: €-7k
2019: €-11k
2020: €2k
2021: €15k
2022: €23k
2023: €25k
2024: €35k
2018 → 2025
Total assets
€37k▼ 18.6%
2024 · €46k
2018: €6k
2019: €4k
2020: €13k
2021: €37k
2022: €37k
2023: €35k
2024: €46k
2018 → 2025
Net result
€-9k
2024 · €10k
2018: €4k
2019: €-4k
2020: €13k
2021: €13k
2022: €8k
2023: €2k
2024: €10k
2018 → 2025
Working capital
€11k▼ 13.9%
2024 · €13k
2018: €-7k
2019: €-12k
2020: €1k
2021: €5k
2022: €13k
2023: €18k
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€23k▲ 52.6%€25k▲ 8.6%€35k▲ 38.5%€26k▼ 24.6%
Operating result€17k-€13k▼ 24.4%€6k▼ 51.1%€15k▲ 134%€-7k
Net result€13k-€8k▼ 40.1%€2k▼ 75.0%€10k▲ 385%€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €15k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€15k▼ 31.0%
Current assets
€22k▼ 7.2%
Equity and liabilities €37k
Equity
€26k▼ 24.6%
Debt
€11k▲ 0.8%
The debt ratio rises from 23.7% to 29.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€100▼
2024 · €19k
Cash flow
€-2k▼
2024 · €14k
Solvency
70.6%▼
2024 · 76.3%
Current ratio
2.02▼
2024 · 2.20
Quick ratio
1.88▼
2024 · 2.04
Debt / equity
0.42▲
2024 · 0.31
ROE
-32.7%▼
2024 · 27.8%
ROA
-23.1%▼
2024 · 21.2%
Interest coverage
0.05▼
2024 · 12.01
Debt
€11k▲
2024 · €11k
Debt ≤ 1 year
€11k▲
2024 · €11k
Staff costs
€5k▲
2024 · €3k
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€46k€37k▼
Fixed assets21/28€22k€15k▼
Tangible fixed assets22/27€22k€15k▼
Furniture and vehicles24€22k€15k▼
Current assets29/58€24k€22k▼
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41€2k€1k▼
Trade receivables40€2k€1k▼
Cash at bank and in hand54/58€19k€19k▼
Deferred charges and accrued income490/1€858€322▼
Equity and liabilities
Total equity and liabilities10/49€46k€37k▼
Equity10/15€35k€26k▼
Contributions10/11€19k€19k=
Reserves13€15k€15k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€1k€-7k▼
Amounts payable17/49€11k€11k▲
Amounts payable within one year42/48€11k€11k▲
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€5k▼
Remuneration and social security454/9-€564
Income statement
Code20242025
Remuneration, social security and pensions62€3k€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€973€2k▲
Non-recurring operating charges66A€6k-
Gross operating margin9900€30k€7k▼
Operating profit (loss)9901€15k€-7k▼
Financial income75/76B€9-
Recurring financial income75€9-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€13k€-9k▼
Income taxes67/77€4k-
Profit (loss) for the period9904€10k€-9k▼
Profit (loss) for the period to be appropriated9905€10k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-7k▼
Profit (loss) brought forward from the previous period14P€-8k€1k▲
The notes to these accounts (4 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-9k ▼189%
Net result drops to €-9k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €13k ▲2.9%
Operating result €17k, net result €13k, both a record.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 1.13
Current ratio from 0.25 to 1.13; short-term debt falls from €16k to €11k.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ukkel · 1 establishment unit since 1989
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.
Lincolnstraat 541180 UkkelGround area
126 m²
Building footprint
91 m²
Volume, LiDAR
1,131 m³
Parcel 21612C0004/00R041, Brussels · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
L'IMAGE DE MARC
since 19892.042.286.302
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0004/00R041 | Brussels | 126 m² | 1 · 91 m² | 15.6 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteUkkel2.042.286.302
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,271 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-1989
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.