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MAR-TEX

Active
KBO/BCE: BE 0798.560.715
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Age3 yrs
Real estate1 parcel · 289 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of MAR-TEX is 2.2% (moderate). The 2025 annual accounts show equity of €128k and a net result of €55k. Its solvency ranks better than 54% of 2905 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 05-05-2026, 5 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-09-2025 30-04-2026 05-05-2026 5 d late 2026-00105582
30-09-2024 30-04-2025 30-04-2025 on the day 2025-00085207

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.2% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€55k-13.8%
Working capital€22k+34.3%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 05-05-2026 with the NBB · fiscal year 2025 · micro
€0€25k€50k€75k€100kOperating result 2024: €95k€95kNet result 2024: €64k€64kOperating result 2025: €80k€80kNet result 2025: €55k€55k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 46.2% 43.4%
better than 54% of 2905 sector peers
Net result €55k €13k
better than 85% of 2904 sector peers
Equity €128k €44k
better than 83% of 2905 sector peers
Gross operating margin €160k €39k
better than 88% of 2902 sector peers
Staff costs €51k €30k
higher than 61% of 943 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€105k
-7.9% 24-25
Net profit
€55k
-13.8% 24-25
Cash flow
€81k
-3.8% 24-25
Total assets
€277k
+53.6% 24-25
Equity
€128k
+76.6% 24-25
Working capital
€22k
+34.3% 24-25
Employees (FTE)
1
- 24-25
Staff costs
€51k
- 24-25
Show 11 other metrics
Income taxes
€21k
-19.0% 24-25
Debt
€149k
+38.1% 24-25
Debt ≤ 1y
€123k
+58.4% 24-25
Debt > 1y
€25k
-14.6% 24-25
Current ratio
1.18
-2.6% 24-25
Quick ratio
1.18
-2.6% 24-25
Solvency
46.2%
+15.0% 24-25
Debt / equity
1.17
-21.8% 24-25
ROE
43.4%
-51.2% 24-25
ROA
20.0%
-43.9% 24-25
Interest coverage
30.18
+14.2% 24-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€105k
Net profit€55k
Cash flow€81k
Staff costs€51k
Income taxes€21k
Dividends-
Total assets€277k
Equity€128k
Debt€149k
of which ≤ 1y€123k
of which > 1y€25k
Working capital€22k
Employees (FTE)1.0
Ratios (computed)
2025
Current ratio1.18
Quick ratio1.18
Working capital ratio7.9%
Solvency46.2%
Debt / equity1.17
Long-term debt ratio0.20
Interest coverage30.18
Gross margin-
Net margin-
ROA20.0%
ROE43.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€277k
Fixed assets 21/28€131k
Tangible fixed assets 22/27€131k
Current assets 29/58€145k
Amounts receivable within one year 40/41€83k
Cash & bank 54/58€54k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€277k
Equity 10/15€128k
Contributions / capital 10/11€8k
Reserves 13€119k
Accumulated profits (losses) 14€639
Amounts payable 17/49€149k
Amounts payable after one year 17€25k
Amounts payable within one year 42/48€123k
Trade debts payable within one year 44€63k
Income statement
Gross operating margin 9900€160k
Operating result 9901€80k
Financial charges 65€3k
Result before taxes 9903€77k
Income taxes 67/77€21k
Net result for the period 9904€55k
Result to be appropriated 9905€55k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
81 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Raverschootstraat 2639900 Eeklo

Establishment units

1 location
MAR-TEX
Raverschootstraat 263, 9900 EekloSlopen
since 20232.341.775.582
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area289 m²
Buildings1
Building footprint97 m²
Volume (LiDAR)517 m³
Tallest building9.2 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
43352F0255/00W000 Flanders 289 m² 1 · 97 m² 9.2 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured
Health81Profitability100Solvency73Growth52Stability94
80 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 81
Profitability 100
Solvency 73
Growth 52
Stability 94

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,450 of the 9,492 companies in this sector. 1,222 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit43222Overige gespecialiseerde bouwactiviteiten, neg43990Restaureren van bouwwerken43995Overige gespecialiseerde bouwwerkzaamheden43999
Primary activity highlighted.
Names & trade names
Legal nameNL MAR-TEX
Registered office
Raverschootstraat 263
9900 Eeklo, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.