Marchy
ActiveMarchy has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €194k and a net result of €39k. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 15881 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
100
/ 100
Excellent▲ +7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+14
Solvency99▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 2.68 against 3.8 in 2023), and 36.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 46
Relative position
BE, all sectors
reference
Sector 46
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
22 d late
2023
181 d late
2022
120 d late
2021
222 d late
2020
174 d late
2019
382 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€194k▲ 4.9%
2023 · €185k
2019: €95k
2020: €95k
2021: €118k
2022: €153k
2023: €185k
2019 → 2024
Total assets
€304k▲ 18.7%
2023 · €256k
2019: €145k
2020: €168k
2021: €170k
2022: €191k
2023: €256k
2019 → 2024
Net result
€39k▲ 22.6%
2023 · €32k
2019: €-6k
2020: €19k
2021: €22k
2022: €35k
2023: €32k
2019 → 2024
Working capital
€180k▲ 2.1%
2023 · €176k
2019: €37k
2020: €44k
2021: €88k
2022: €137k
2023: €176k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€95k-€118k▲ 23.5%€153k▲ 29.9%€185k▲ 20.8%€194k▲ 4.9%
Operating result€30k-€29k▼ 5.5%€43k▲ 50.6%€37k▼ 14.3%€69k▲ 87.6%
Net result€19k-€22k▲ 19.1%€35k▲ 56.8%€32k▼ 9.5%€39k▲ 22.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 88% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €304k
Fixed assets
€17k▲ 1.2%
Current assets
€287k▲ 20.0%
Equity and liabilities €304k
Equity
€194k▲ 4.9%
Debt
€110k▲ 54.7%
The debt ratio rises from 27.8% to 36.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€72k▲
2023 · €54k
Cash flow
€42k▼
2023 · €48k
Solvency
63.8%▼
2023 · 72.2%
Current ratio
2.68▼
2023 · 3.80
Quick ratio
2.68▼
2023 · 3.80
Debt / equity
0.57▲
2023 · 0.38
ROE
20.1%▲
2023 · 17.2%
ROA
12.8%▲
2023 · 12.4%
Interest coverage
14.65▼
2023 · 20.16
Debt
€110k▲
2023 · €71k
Debt ≤ 1 year
€107k▲
2023 · €63k
Debt > 1 year
€3k▼
2023 · €8k
Income taxes
€37k▲
2023 · €9k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€256k€304k▲
Fixed assets21/28€17k€17k▲
Tangible fixed assets22/27€17k€17k▲
Plant, machinery and equipment23€14k€13k▼
Furniture and vehicles24€3k€5k▲
Current assets29/58€239k€287k▲
Amounts receivable within one year40/41€220k€283k▲
Trade receivables40€59k€63k▲
Other amounts receivable41€161k€220k▲
Cash at bank and in hand54/58€17k€4k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€256k€304k▲
Equity10/15€185k€194k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€164k€173k▲
Amounts payable17/49€71k€110k▲
Amounts payable after more than one year17€8k€3k▼
Financial debts170/4€8k€3k▼
Amounts payable within one year42/48€63k€107k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€51k€62k▲
Taxes450/3€51k€62k▲
Other amounts payable47/48-€30k
Income statement
Code20232024
Non-recurring operating income76A€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€3k▼
Other operating charges640/8€1k€4k▲
Gross operating margin9900€55k€76k▲
Operating profit (loss)9901€37k€69k▲
Financial income75/76B€7k€12k▲
Recurring financial income75€7k€12k▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€41k€76k▲
Income taxes67/77€9k€37k▲
Profit (loss) for the period9904€32k€39k▲
Profit (loss) for the period to be appropriated9905€32k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€164k€203k▲
Profit (loss) brought forward from the previous period14P€133k€164k▲
Profit to be distributed694/7-€30k
Return on contributions (dividend)694-€30k
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
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
28-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 181 days late
2024
31-12
Financial
Highest result since 2019net €39k ▲22.6%
Operating result €69k, net result €39k, both a record.
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 120 days late
10-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 222 days late
2022
31-12
Financial
Equity above €150kEq €153k ▲29.9%
3 profitable years in a row build equity to €153k.
21-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 174 days late
2021
31-12
Financial
Equity above €100kEq €118k ▲23.5%
2 profitable years in a row build equity to €118k.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 382 days late
2020
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
12-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 12 days late
2015
24-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 24 days late
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, Ottignies-Louvain-la-Neuve
Ground area
187 m²
Building footprint
81 m²
Volume, LiDAR
619 m³
Parcel 25385B0039/00F000, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25385B0039/00F000 | Wallonia | 187 m² | 1 · 81 m² | 9.6 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
YAF
BE 0465.491.221
Beveren-Kruibeke-Zwijndrecht · Eq €193k
B-IT
BE 0882.250.236
Antwerpen · Eq €193k
PRO-BUREAU DIDIER
BE 0472.336.649
Bouillon · Eq €193k
KORBATECK-DELTA
BE 0846.590.462
Beveren-Kruibeke-Zwijndrecht · Eq €195k
CONSULT Consultancy
BE 0442.325.146
Antwerpen · Eq €191k
Of 2,119 companies in sector 46500 we hold annual accounts for 1,400. 1,083 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-03-2014
Fiscal year end31-12
Activities, NACEBEL
46500Wholesale of information and communication equipment
46510Wholesale trade
62010Computer programming, consultancy and related activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62100Computer programming
62200Computer consultancy and computer facilities management
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.