MANTERA
ActiveSummary
MANTERA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157k and a net result of €-7k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 68% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-5
Solvency79▲+3
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.33 against 2.42 in 2024; short-term debt: 9.2% and cash: 21.5% of total assets), and 46.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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 04-05-2026, 88 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
88 d early
2024
27 d early
2023
51 d early
2022
60 d early
2021
60 d early
2020
73 d early
2019
87 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€157k▼ 8.3%
2024 · €171k
2018: €167k
2019: €176k
2020: €199k
2021: €174k
2022: €186k
2023: €165k
2024: €171k
2018 → 2025
Total assets
€291k▼ 12.5%
2024 · €333k
2018: €523k
2019: €510k
2020: €510k
2021: €431k
2022: €423k
2023: €350k
2024: €333k
2018 → 2025
Net result
€-7k
2024 · €6k
2018: €3k
2019: €9k
2020: €23k
2021: €15k
2022: €27k
2023: €2k
2024: €6k
2018 → 2025
Working capital
€36k▼ 15.3%
2024 · €42k
2018: €-4k
2019: €15k
2020: €44k
2021: €26k
2022: €44k
2023: €27k
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€174k-€186k▲ 7.0%€165k▼ 11.4%€171k▲ 3.7%€157k▼ 8.3%
Operating result€27k-€43k▲ 57.1%€9k▼ 79.0%€16k▲ 78.7%€-4k
Net result€15k-€27k▲ 86.7%€2k▼ 93.6%€6k▲ 253%€-7k
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 €4k after €16k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €291k
Fixed assets
€229k ▼ 12.4%
Current assets
€63k ▼ 12.8%
Equity and liabilities €291k
Equity
€157k ▼ 8.3%
Debt
€135k ▼ 16.8%
Debt's share of the balance-sheet total falls from 48.7% to 46.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€28k▼
2024 · €48k
Cash flow
€26k▼
2024 · €38k
Current ratio
2.33▼
2024 · 2.42
Debt to equity
0.86▼
2024 · 0.95
ROE
-4.2%▼
2024 · 3.6%
ROA
-2.2%▼
2024 · 1.8%
Interest coverage
7.54▼
2024 · 14.31
Debt ≤ 1 year
€27k▼
2024 · €30k
Debt > 1 year
€107k▼
2024 · €128k
Income taxes
€-1k▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€333k€291k▼
Fixed assets21/28€261k€229k▼
Tangible fixed assets22/27€261k€229k▼
Land and buildings22€176k€152k▼
Plant, machinery and equipment23€99€66▼
Other tangible fixed assets26€85k€77k▼
Current assets29/58€72k€63k▼
Amounts receivable within one year40/41€173-
Trade receivables40€173-
Cash at bank and in hand54/58€72k€63k▼
Equity and liabilities
Total equity and liabilities10/49€333k€291k▼
Equity10/15€171k€157k▼
Contributions10/11€50k€50k=
Reserves13€121k€107k▼
Distributable reserves133€121k€107k▼
Amounts payable17/49€162k€135k▼
Amounts payable after more than one year17€128k€107k▼
Financial debts170/4€128k€107k▼
Amounts payable within one year42/48€30k€27k▼
Current portion of amounts payable after more than one year42€25k€25k▲
Trade debts44€257-
Suppliers440/4€257-
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Other amounts payable47/48€2k€2k▼
Accrued charges and deferred income492/3€5k€638▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€32k=
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A-€24k
Gross operating margin9900€52k€56k▲
Operating profit (loss)9901€16k€-4k▼
Financial income75/76B€942€271▼
Recurring financial income75€942€271▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€14k€-8k▼
Income taxes67/77€7k€-1k▼
Profit (loss) for the period9904€6k€-7k▼
Profit (loss) for the period to be appropriated9905€6k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€-7k▼
Transfer from equity791/2-€14k
Transfer to equity691/2€6k-
To other reserves6921€6k-
Profit to be distributed694/7-€8k
Return on contributions (dividend)694-€8k
The notes to these accounts (7 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-7k ▼207%
Net result drops to €-7k, the lowest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €27k ▲86.7%
Operating result €43k, net result €27k, both a record.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-06
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Brugge · 1 establishment unit since 2008
Ground area
3,078 m²
Building footprint
318 m²
Volume, LiDAR
1,600 m³
Parcel 31362B0114/00E000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Mantera
since 20082.172.387.155
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31362B0114/00E000 | Flanders | 3,078 m² | 1 · 318 m² | 8.2 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 68 EUR awarded · 68 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 33 EUR | 33 EUR |
| 2023 | 1 | 35 EUR | 35 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 5,258 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2008
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
68121Development of residential building projects
62200Computer consultancy and computer facilities management
68321Property management for co-owned buildings (syndics)
68322Real estate appraisal on a fee or contract basis
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.