MANUTAN

Active

Public limited companyfounded 197451 yrs activeBergense Steenweg 1424, 1070 Anderlecht, BelgiumKBO/BCE: BE 0414.642.831

Summary

MANUTAN has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15.84M and a net result of €6.27M. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 58% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

72 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability88▼-3

Solvency78▲+6

Growth68▼-1

Track record100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.1M at 30 days acceptable

Liquidity ample (current ratio 2.12 against 1.87 in 2024; short-term debt: 47.2% and cash: 1.4% of total assets), and 47.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

52.8%

Return on assets

20.9%

Age of the figures

12 mo

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 12-03-2026, 49 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

49 d early

2024

48 d early

2023

32 d early

2022

22 d late

2021

19 d late

2020

18 d late

2019

71 d late

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

24-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover

€59.30M▼ 3.8%

2024 · €61.66M

2018: €43.66M 2019: €46.32M 2020: €46.70M 2021: €46.85M 2022: €54.43M 2023: €58.95M 2024: €61.66M

2018 → 2025

EBIT margin

13.5%▼ 0.9pp

2024 · 14.4%

2018: 12.7% 2019: 15.4% 2020: 14.8% 2021: 16.0% 2022: 15.8% 2023: 16.1% 2024: 14.4%

2018 → 2025

Net result

€6.27M▼ 11.7%

2024 · €7.11M

2018: €3.59M 2019: €4.93M 2020: €4.79M 2021: €5.51M 2022: €6.30M 2023: €7.36M 2024: €7.11M

2018 → 2025

Working capital

€15.79M▲ 10.7%

2024 · €14.27M

2018: €12.92M 2019: €12.92M 2020: €13.41M 2021: €14.01M 2022: €14.69M 2023: €13.90M 2024: €14.27M

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€46.85M-€54.43M▲ 16.2%€58.95M▲ 8.3%€61.66M▲ 4.6%€59.30M▼ 3.8%

Equity€14.09M-€14.72M▲ 4.5%€13.99M▼ 5.0%€14.34M▲ 2.5%€15.84M▲ 10.4%

Operating result€7.48M-€8.57M▲ 14.7%€9.51M▲ 10.9%€8.88M▼ 6.6%€8.02M▼ 9.7%

Net result€5.51M-€6.30M▲ 14.4%€7.36M▲ 16.8%€7.11M▼ 3.4%€6.27M▼ 11.7%

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2025 is 10% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €29.99M

99.8%

Fixed assets €45k ▼ 38.4%

Current assets €29.94M ▼ 2.7%

Equity and liabilities €29.99M

52.8%

47.2%

Equity €15.84M ▲ 10.4%

Debt €14.15M ▼ 14.2%

Debt's share of the balance-sheet total falls from 53.5% to 47.2%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€8.05M▼

2024 · €8.91M

Cash flow

€6.30M▼

2024 · €7.14M

Current ratio

2.12▲

2024 · 1.87

Debt to equity

0.89▼

2024 · 1.15

ROE

39.6%▼

2024 · 49.6%

ROA

20.9%▼

2024 · 23.1%

Interest coverage

87.49▼

2024 · 96.02

Debt ≤ 1 year

€14.15M▼

2024 · €16.49M

Income taxes

€2.15M▼

2024 · €2.42M

Staff costs

€4.17M▲

2024 · €3.87M

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 · 68 lines

Balance sheet Code20242025

Assets

Total assets20/58€30.83M€29.99M▼

Fixed assets21/28€73k€45k▼

Tangible fixed assets22/27€69k€41k▼

Plant, machinery and equipment23€26k€12k▼

Other tangible fixed assets26€43k€28k▼

Financial fixed assets28€4k€4k=

Other financial fixed assets284/8€4k€4k=

Amounts receivable and cash guarantees285/8€4k€4k=

Current assets29/58€30.76M€29.94M▼

Amounts receivable within one year40/41€9.78M€9.65M▼

Trade receivables40€9.71M€9.58M▼

Other amounts receivable41€71k€71k▲

Current investments50/53€20.52M€19.77M▼

Other investments51/53€20.52M€19.77M▼

Cash at bank and in hand54/58€375k€424k▲

Deferred charges and accrued income490/1€82k€96k▲

Equity and liabilities

Total equity and liabilities10/49€30.83M€29.99M▼

Equity10/15€14.34M€15.84M▲

Contributions10/11€968k€968k=

Capital10€966k€966k=

Issued capital100€966k€966k=

Outside capital11€2k€2k=

Share premium1100/10€2k€2k=

Reserves13€1.71M€1.71M=

Non-distributable reserves130/1€103k€103k=

Legal reserve130€97k€97k=

Other1319€6k€6k=

Tax-exempt reserves132€8k€8k=

Distributable reserves133€1.60M€1.60M=

Profit (loss) carried forward14€11.67M€13.16M▲

Amounts payable17/49€16.49M€14.15M▼

Amounts payable within one year42/48€16.49M€14.15M▼

Trade debts44€7.97M€7.57M▼

Suppliers440/4€7.97M€7.57M▼

Taxes, remuneration and social security45€1.76M€1.80M▲

Taxes450/3€1.05M€1.15M▲

Remuneration and social security454/9€717k€650k▼

Other amounts payable47/48€6.76M€4.78M▼

Income statement Code20242025

Operating income70/76A€62.64M€60.33M▼

Turnover70€61.66M€59.30M▼

Other operating income74€980k€1.02M▲

Operating charges60/66A€53.76M€52.31M▼

Goods for resale, raw materials and consumables60€37.29M€35.65M▼

Purchases600/8€37.29M€35.65M▼

Services and other goods61€12.49M€12.27M▼

Remuneration, social security and pensions62€3.87M€4.17M▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€28k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-134k€-7k▲

Other operating charges640/8€219k€194k▼

Operating profit (loss)9901€8.88M€8.02M▼

Financial income75/76B€743k€501k▼

Recurring financial income75€743k€501k▼

Income from current assets751€731k€498k▼

Other financial income752/9€13k€3k▼

Financial charges65/66B€93k€92k▼

Recurring financial charges65€93k€92k▼

Other financial charges652/9€93k€92k▼

Profit (loss) for the period before taxes9903€9.53M€8.43M▼

Income taxes67/77€2.42M€2.15M▼

Taxes670/3€2.43M€2.16M▼

Tax adjustments and reversals of tax provisions77€8k€5k▼

Profit (loss) for the period9904€7.11M€6.27M▼

Profit (loss) for the period to be appropriated9905€7.11M€6.27M▼

Appropriation of the result

Profit (loss) to be appropriated9906€18.42M€17.94M▼

Profit (loss) brought forward from the previous period14P€11.31M€11.67M▲

Profit to be distributed694/7€6.76M€4.78M▼

Return on contributions (dividend)694€6.76M€4.78M▼

Social balance

Average headcount (FTE)908750.449.4▼

The notes to these accounts (44 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 32Financial 1Gazette 21Filings 10

Next filing, fiscal year 2026, expected by 30-04-2027

2026

12-03

NBB filing Annual accounts filed

fiscal year 2025 · full schema

28-01

State Gazette act Resignation: Ramon KOK (director)

Appointments: Pierre-Olivier Brial (managing director) and Xavier Guichard (managing director) · Director discharge · Power of attorney8 facts ▸

General meeting, 14-10-2025
Director resignation, Ramon KOK (director)
Director discharge, Ramon KOK
Power of attorney, Racine BV
Board meeting, 14-10-2025
Director appointment, Pierre-Olivier Brial (managing director)
Director appointment, Xavier Guichard (managing director)
Power of attorney, Racine BV

2025

16-04

State Gazette act Resignation: Ghislaine Ottevanger (day-to-day manager)

Appointment: Boris Vildosola Bustos (day-to-day manager)3 facts ▸

Board meeting, 01-10-2024
Director resignation, Ghislaine Ottevanger (day-to-day manager)
Director appointment, Boris Vildosola Bustos (day-to-day manager)

13-03

NBB filing Annual accounts filed

fiscal year 2024 · full schema

13-01

State Gazette act Reappointment: KPMG Bedrijfsrevisoren (statutory auditor)

Permanent representative: Melissa Carton · Statutes amendment · Capital6 facts ▸

General meeting, 30-12-2024
Statutes amendment
Capital, €966.000
Auditor reappointment, KPMG Bedrijfsrevisoren
Permanent representative, Melissa Carton
Power of attorney, Racine CV

2024

29-03

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

30-09

Financial Highest result since 2018net €7.36M ▲16.8%

Operating result €9.51M, net result €7.36M, both a record.

22-05

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 22 days late

27-04

State Gazette act Appointment: Ghislaine Ottevanger (day-to-day manager)

2 facts ▸

Board meeting, 21-03-2023
Director appointment, Ghislaine Ottevanger (day-to-day manager)

2022

29-07

State Gazette act Appointments: Pierre-Olivier Brial, Xavier Guichard and Ramon Kok

Reappointment: KPMG Bedrijfsrevisoren (statutory auditor) · Permanent representative: Oliver Declercq · Mandate compensation13 facts ▸

General meeting, 13-06-2022
Director appointment, Pierre-Olivier Brial (director)
Director appointment, Xavier Guichard (director)
Director appointment, Ramon Kok (director)
Mandate compensation, Pierre-Olivier Brial
Mandate compensation, Xavier Guichard
Mandate compensation, Ramon Kok
Auditor reappointment, KPMG Bedrijfsrevisoren
Permanent representative, Oliver Declercq
Power of attorney, Kantoor Racine
Board meeting, 13-06-2022
Director appointment, Ramon Kok (day-to-day manager)
+1 further facts in this act

19-05

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 19 days late

2021

18-05

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 18 days late

Show earlier events

2020

10-07

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 71 days late

2019

22-02

NBB filing Annual accounts filed

fiscal year 2018 · full schema

2018

17-08

State Gazette act Resignations & appointments

Power of attorney · Power of attorney termination3 facts ▸

Board meeting, 06-08-2018
Power of attorney, Erik Koenraads
Power of attorney termination, automatische beëindiging wanneer de betrokken persoon niet meer in dienst is of werkzaam voor de Vennootschap of enige andere entiteit binnen de Manutan groep

26-04

State Gazette act Appointment: KPMG Bedrijfsrevisoren BV CVBA (statutory auditor)

Permanent representative: Olivier Declercq3 facts ▸

General meeting, 21-12-2017
Auditor appointment, KPMG Bedrijfsrevisoren BV CVBA (statutory auditor)
Permanent representative, Olivier Declercq

03-04

NBB filing Annual accounts filed

fiscal year 2017 · full schema

2017

07-11

State Gazette act Registered office

Registered-office move · Power of attorney3 facts ▸

Board meeting
Registered-office move, Bergensesteenweg 1424, 1070 Anderlecht
Power of attorney, Anthony Van der Hauwaert

28-03

NBB filing Annual accounts filed

fiscal year 2016 · full schema

2016

29-12

State Gazette act Resignation: Cyrille Emmanuel Littler (director)

2 facts ▸

General meeting, 09-11-2016
Director resignation, Cyrille Emmanuel Littler (director)

05-02

State Gazette act Resignation: David Van Den Bogaert (director)

Appointments: Ramon Kok (director) and Xavier Guichard (director) · Director discharge8 facts ▸

General meeting, 01-12-2015
Director resignation, David Van Den Bogaert (director)
Director discharge, David Van Den Bogaert (director)
Director appointment, Ramon Kok (director)
Director appointment, Xavier Guichard (director)
Board meeting, 01-12-2015
Director resignation, David Van Den Bogaert (managing director)
Director appointment, Ramon Kok (managing director)

2015

24-09

State Gazette act Resignation: Gertrude DUIJMELINGS (director)

Appointment: David VAN DEN BOGAERT (director and managing director) · Reappointment: David VAN DEN BOGAERT (director and managing director) · Mandate compensation6 facts ▸

General meeting, 17-03-2015
Board meeting, 10-03-2015
Director resignation, Gertrude DUIJMELINGS (director)
Director appointment, David VAN DEN BOGAERT (director and managing director)
Director reappointment, David VAN DEN BOGAERT (director and managing director)
Mandate compensation, David VAN DEN BOGAERT

24-09

State Gazette act Reappointments: Pierre-Olivier Brial (director) and Cyrille Emmanuel Littler (director)

3 facts ▸

General meeting, 23-03-2015
Director reappointment, Pierre-Olivier Brial (director)
Director reappointment, Cyrille Emmanuel Littler (director)

08-05

State Gazette act Resignation: Gertrude DUIJMELINGS (director)

Appointment: David VAN DEN BOGAERT (director) · Reappointment: David VAN DEN BOGAERT (director) · Mandate compensation9 facts ▸

Board meeting, 10-03-2015
Director resignation, Gertrude DUIJMELINGS (director)
Director appointment, David VAN DEN BOGAERT (director)
Director resignation, Gertrude DUIJMELINGS (managing director)
Director appointment, David VAN DEN BOGAERT (managing director)
Mandate compensation, David VAN DEN BOGAERT
General meeting, 17-03-2015
Director reappointment, David VAN DEN BOGAERT (director)
Mandate compensation, David VAN DEN BOGAERT

2014

05-12

State Gazette act Appointment: Gertrude Duijmelings (managing director)

Resignation: Cyrille Littler (algemeen directeur sociaal gemachtigde) · Reappointment: KPMG Bedrijfsrevisoren BV CVBA (statutory auditor) · Power of attorney7 facts ▸

Board meeting, 14-08-2014
Director appointment, Gertrude Duijmelings (managing director)
Director resignation, Cyrille Littler (algemeen directeur sociaal gemachtigde)
Power of attorney, Cyrille Littler
Power of attorney, Ann Willems
General meeting, 29-08-2014
Auditor reappointment, KPMG Bedrijfsrevisoren BV CVBA

14-02

State Gazette act Statutes amendment

Name change3 facts ▸

General meeting, 31-01-2014
Name change, MANUTAN
Statutes amendment

2013

23-10

State Gazette act Capital & shares · Restructuring

Merger · Capital increase · Accounting effect4 facts ▸

Merger
Capital increase, €63.000
Accounting effect, 01-10-2013
Power of attorney, K law burg. CVBA

26-08

State Gazette act Restructuring

Merger · Board composition · Capital29 facts ▸

Board meeting, 07-08-2013
Merger, 07-08-2013
Board composition, Pierre-Olivier Brial (director)
Board composition, Gertrude Leonie Duijmelings (director)
Board composition, Cyrille Littler (director)
Board composition, Hervé Guichard (managing director)
Board composition, Pierre-Olivier Brial (director)
Board composition, Gertrude Leonie Duijmelings (director)
Board composition, Cyrille Littler (director)
Capital, €903.000
Capital, €63.000
Share issue, 324
+17 further facts in this act

19-03

State Gazette act Reappointments: Gertrude Duijmelings (director) and Pierre-Olivier Brial (director)

Mandate compensation5 facts ▸

General meeting, 14-01-2013
Director reappointment, Gertrude Duijmelings (director)
Director reappointment, Pierre-Olivier Brial (director)
Mandate compensation, Gertrude Duijmelings
Mandate compensation, Pierre-Olivier Brial

2012

13-06

State Gazette act Reappointment: Klynveld Peat Marwick Goerdeler Bedrijfsrevisoren (B001) (statutory auditor)

2 facts ▸

General meeting, 20-02-2012
Auditor reappointment, Klynveld Peat Marwick Goerdeler Bedrijfsrevisoren (B001)

06-02

State Gazette act Resignation: Gertrude Duijmelings (director)

Appointment: Cyrille Littler (algemeen directeur sociaal gemachtigde) · Power of attorney5 facts ▸

Board meeting, 27-12-2011
Director resignation, Gertrude Duijmelings (director (executive))
Power of attorney, Gertrude Duijmelings
Director appointment, Cyrille Littler (algemeen directeur sociaal gemachtigde)
Power of attorney, Cyrille Littler

06-02

State Gazette act Appointment: Cyrille Littler (director)

Mandate compensation3 facts ▸

General meeting, 11-01-2012
Director appointment, Cyrille Littler (director)
Mandate compensation, Cyrille Littler

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 directors, no change since 2025

Boris Vildosola Bustos

Day-to-day manager · since 01-10-2024

Current

Xavier Guichard

Managing director · since 01-12-2015

Current

Pierre-Olivier Brial

Managing director · since 20-02-2012

Current

14-10-2025 Xavier Guichard: Appointed as Managing director

14-10-2025 Pierre-Olivier Brial: Appointed as Managing director

01-10-2024 Boris Vildosola Bustos: Appointed as Day-to-day manager

01-10-2024 Ghislaine Ottevanger: Resigned as Day-to-day manager

07-07-2024 Ramon KOK: Resigned as Director

Full history in the Timeline (32 changes) →

Location & real-estate footprint

Registered office, Anderlecht · 1 establishment unit since 1985

establishment The establishment unit on the map

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.

Bergense Steenweg 14241070 Anderlecht

Ground area

3.5 ha

Building footprint

6,370 m²

Volume, LiDAR

161,344 m³

Parcel 21306D0005/00P000, Brussels · tallest building 32.2 m, ±9 floors. Linked by address, not a title deed.

1 establishment unit

Bergense Steenweg 1424, 1070 Anderlecht

NACE 5147802

since 19852.026.866.963

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21306D0005/00P000	Brussels	3.5 ha	1 · 6,370 m²	32.2 m · 9 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.

Statutory auditor

1 auditor

KPMG Réviseurs d'EntreprisesCurrent

Auditor · represented by Melissa Carton

21-12-2017 → present

Show 2 earlier auditors

Klynveld Peat Marwick Goerdeler Bedrijfsrevisoren (B001) Auditor succeeded by KPMG BEDRIJFSREVISOREN BV CVBA in 2014	21-02-2011 → 24-03-2014
KPMG BEDRIJFSREVISOREN BV CVBA Auditor succeeded by KPMG Réviseurs d'Entreprises in 2017	24-03-2014 → 21-12-2017

Articles of association

Purpose

Het vervaardigen, bewerken en herstellen en het doen vervaardigen, bewerken en herstellen van technische apparaten, machines en producten, alsmede onderdelen hiervan; de handel…

Full purpose

Het vervaardigen, bewerken en herstellen en het doen vervaardigen, bewerken en herstellen van technische apparaten, machines en producten, alsmede onderdelen hiervan; de handel, respectievelijk groothandel in deze en aanverwante artikelen...; het timmer en schrijnwerk...; het glaswerken...; het schilder en behangwerk...; het metaalconstructies...; het uitbaten van inrichtingen behorende tot de horecasector; ...

according to the deed of 13-01-2025

Structure & network

Acquisitions and mergers

1 transaction

Took over:MANUTAN

BE 0414.595.123merger by absorption · State Gazette act of 23-10-2013 (2 acts) · effective 07-08-2013

Capital and shareholders

Capital over the years

13-01-2025 Capital stated in the act · 966,000 EUR · 2,241 shares
23-10-2013 Capital increase of 63,000 EUR · to 966,000 EUR
26-08-2013 Capital increase of 63,000 EUR · to 966,000 EUR

Public money · subsidies and aid

Flemish government

2023 to 2025 · 3 entries · 43,947 EUR awarded · 43,947 EUR paid

Year	Entries	awarded	paid
2025	1	9,922 EUR	9,922 EUR
2024	1	15,774 EUR	15,774 EUR
2023	1	18,251 EUR	18,251 EUR

Schemes

Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)

3 entries · 43,947 EUR · 43,947 EUR paid · Departement Werk en Sociale Economie

European Union, budget

2021 to 2025 · 5 entries · 112,248 EUR in total

Year	Entries	awarded
2025	1	19,214 EUR
2024	1	20,000 EUR
2023	1	20,000 EUR
2022	1	18,034 EUR
2021	1	35,000 EUR

Projects

SUPPLY OF TECHNICAL MATERIAL

Horizon Europe · 07-12-2021 to 01-01-2023 · 38,034 EUR

TECHNICAL MATERIAL C933144

Horizon Europe · 22-12-2020 to 01-01-2021 · 35,000 EUR

TECHNICAL MATERIAL MANUTAN

Horizon Europe · 06-12-2023 to 01-01-2024 · 20,000 EUR

SUPPLY OF TECHNICAL MATERIAL & EQUIPMENT

Horizon Europe · 01-01-2025 to 11-12-2026 · 19,214 EUR

Recognitions · licences · registrations

Food safety, FASFC

1 site

Anderlecht2.026.866.963

1 permission

Verkooppunt LM>3 maand · since 17-10-2011

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Of 505 companies in sector 46841 we hold annual accounts for 365. 122 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 formPublic limited company

Founded26-11-1974

Fiscal year end30-09

Activities, NACEBEL 2025

46500Wholesale of information and communication equipment

46841Wholesale trade

62900Other information technology and computer services

Sources

Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.