MARBLE CONSULTING
ActiveMARBLE CONSULTING has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €208k and a net result of €36k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 73% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-9
Solvency100=
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 7.07 against 4.46 in 2024), and 21.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
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
78.9%
Return on assets
13.6%
Age of the figures
9 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €208k
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 18-05-2026, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
76 d early
2023
65 d late
2022
45 d early
2021
24 d late
2020
20 d late
2019
32 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€208k▲ 20.8%
2024 · €172k
2018: €190k
2019: €205k
2020: €230k
2021: €261k
2022: €260k
2023: €99k
2024: €172k
2018 → 2025
Total assets
€263k▲ 3.2%
2024 · €255k
2018: €214k
2019: €224k
2020: €244k
2021: €292k
2022: €322k
2023: €258k
2024: €255k
2018 → 2025
Net result
€36k▲ 9.4%
2024 · €33k
2018: €24k
2019: €16k
2020: €24k
2021: €31k
2022: €25k
2023: €48k
2024: €33k
2018 → 2025
Working capital
€189k▲ 25.2%
2024 · €151k
2018: €152k
2019: €178k
2020: €208k
2021: €245k
2022: €254k
2023: €78k
2024: €151k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€261k-€260k▼ 0.4%€99k▼ 61.7%€172k▲ 73.0%€208k▲ 20.8%
Operating result€45k-€37k▼ 18.4%€60k▲ 61.5%€44k▼ 26.9%€50k▲ 15.0%
Net result€31k-€25k▼ 18.6%€48k▲ 92.8%€33k▼ 32.0%€36k▲ 9.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €263k
Fixed assets
€43k▼ 29.0%
Current assets
€221k▲ 13.1%
Equity and liabilities €263k
Equity
€208k▲ 20.8%
Debt
€55k▼ 33.4%
The debt ratio falls from 32.6% to 21.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€69k▲
2024 · €64k
Cash flow
€55k▲
2024 · €53k
Solvency
78.9%▲
2024 · 67.4%
Current ratio
7.07▲
2024 · 4.46
Quick ratio
7.07▲
2024 · 4.46
Debt / equity
0.27▼
2024 · 0.48
ROE
17.3%▼
2024 · 19.1%
ROA
13.6%▲
2024 · 12.8%
Interest coverage
28.22▲
2024 · 20.72
Debt
€55k▼
2024 · €83k
Debt ≤ 1 year
€31k▼
2024 · €44k
Debt > 1 year
€24k▼
2024 · €40k
Income taxes
€16k▲
2024 · €13k
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€255k€263k▲
Fixed assets21/28€60k€43k▼
Tangible fixed assets22/27€60k€43k▼
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€58k€41k▼
Current assets29/58€195k€221k▲
Amounts receivable within one year40/41€76k€71k▼
Trade receivables40€14k€13k▼
Other amounts receivable41€62k€58k▼
Current investments50/53€10k€10k=
Cash at bank and in hand54/58€109k€139k▲
Equity and liabilities
Total equity and liabilities10/49€255k€263k▲
Equity10/15€172k€208k▲
Contributions10/11€12k€12k=
Reserves13€160k€196k▲
Distributable reserves133€160k€196k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€83k€55k▼
Amounts payable after more than one year17€40k€24k▼
Financial debts170/4€40k€24k▼
Amounts payable within one year42/48€44k€31k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€11k€13k▲
Other amounts payable47/48€17k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€19k▼
Other operating charges640/8€311€66▼
Gross operating margin9900€64k€69k▲
Operating profit (loss)9901€44k€50k▲
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€46k€51k▲
Income taxes67/77€13k€16k▲
Profit (loss) for the period9904€33k€36k▲
Profit (loss) for the period to be appropriated9905€33k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€36k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€14k€0▼
Transfer to equity691/2€33k€36k▲
To other reserves6921€33k€36k▲
Profit to be distributed694/7€14k€0▼
Return on contributions (dividend)694€14k€0▼
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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €208k ▲20.8%
8 profitable years in a row build equity to €208k.
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 4.46
Current ratio from 1.75 to 4.46; short-term debt falls from €105k to €44k.
31-12
Financial
Equity above €150kEq €172k ▲73%
7 profitable years in a row build equity to €172k.
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
2023
31-12
Financial
Highest result since 2018net €48k ▲92.8%
Operating result €60k, net result €48k, both a record.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €16k ▼34.9%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €205k ▲8.4%
2 profitable years in a row build equity to €205k.
29-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Leuven · 1 establishment unit since 1997
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.
Vinkenbosstraat 133001 LeuvenGround area
629 m²
Building footprint
136 m²
Volume, LiDAR
994 m³
Parcel 24434F0005/00E000, Flanders · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Marble Consulting
since 19972.083.852.186
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24434F0005/00E000 | Flanders | 629 m² | 1 · 135 m² | 9.2 m · 3 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.
Similar companies · same sector, comparable size
STAGE 2
BE 0771.501.079
Gent · Eq €208k
GRAVITACONSULT
BE 0841.137.379
Beersel · Eq €208k
LC CONSULTING
BE 0466.991.157
Antwerpen · Eq €208k
Tresys
BE 0639.872.376
Meerhout · Eq €208k
SALESFLARE
BE 0564.785.369
Antwerpen · Eq €208k
Of 16,813 companies in sector 62100 we hold annual accounts for 8,747. 6,520 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-1997
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
47400Retail sale of information and communication equipment
47410Retail trade
52487
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.