MARCIVET

Active

Private limited company·Veterinaire diensten· 3 yrs active

Avenue Eugène Mascaux 120 ·6001 Charleroi, Belgium

Health 93/100 Excellent Risk: very low

KBO/BCE: BE 0794.735.153

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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age3 yrs

Real estate1 parcel · 208 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of MARCIVET is 0.2% (very low). The 2024 annual accounts show equity of €269k and a net result of €124k. Its solvency ranks better than 60% of 556 sector peers (fiscal year 2024). The company has been active since 2022 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 (2023 and 2024).

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

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 14 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-09-2025, 59 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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. 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 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	28-09-2025	59 d late	2025-00510891
31-12-2023	31-07-2024	15-05-2025	288 d late	2025-00105187

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 2022, 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

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

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€124k-11.9%

Working capital€208k+173.1%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 28-09-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 75 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	58.5%	49.2%	better than 60% of 556 sector peers
Net result	€124k	€25k	better than 95% of 556 sector peers
Equity	€269k	€55k	better than 93% of 556 sector peers
Gross operating margin	€203k	€52k	better than 95% of 556 sector peers
Staff costs	€18k	€25k	higher than 37% of 140 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€184k

-14.8% 23-24

Net profit

€124k

-11.9% 23-24

Cash flow

€144k

-15.2% 23-24

Total assets

€461k

+37.2% 23-24

Equity

€269k

+85.0% 23-24

Working capital

€208k

+173.1% 23-24

Staff costs

€18k

+76570.7% 23-24

Income taxes

€36k

-11.4% 23-24

Debt

€191k

+0.6% 23-24

Debt ≤ 1y

€86k

+18.4% 23-24

Debt > 1y

€105k

-10.3% 23-24

Current ratio

3.44

+67.1% 23-24

Quick ratio

2.96

+69.5% 23-24

Solvency

58.5%

+34.8% 23-24

Debt / equity

0.71

-45.6% 23-24

ROE

46.0%

-52.4% 23-24

ROA

26.9%

-35.8% 23-24

Interest coverage

34.44

-13.9% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€184k
Net profit	€124k
Cash flow	€144k
Staff costs	€18k
Income taxes	€36k
Dividends	-
Total assets	€461k
Equity	€269k
Debt	€191k
of which ≤ 1y	€86k
of which > 1y	€105k
Working capital	€208k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	3.44
Quick ratio	2.96
Working capital ratio	45.3%
Solvency	58.5%
Debt / equity	0.71
Long-term debt ratio	0.39
Interest coverage	34.44
Gross margin	-
Net margin	-
ROA	26.9%
ROE	46.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €166k · 36.1% Current assets €294k · 63.9%

Equity & liabilities

Equity €269k · 58.5% Debt €191k · 41.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€461k
Fixed assets	21/28	€166k
Tangible fixed assets	22/27	€165k
Financial fixed assets	28	€1k
Current assets	29/58	€294k
Stocks & contracts in progress	3	€41k
Amounts receivable within one year	40/41	€16k
Investments	50/53	€55k
Cash & bank	54/58	€182k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€461k
Equity	10/15	€269k
Contributions / capital	10/11	€5k
Reserves	13	€264k
Amounts payable	17/49	€191k
Amounts payable after one year	17	€105k
Amounts payable within one year	42/48	€86k
Trade debts payable within one year	44	€16k
Income statement
Gross operating margin	9900	€203k
Operating result	9901	€164k
Financial income	75	€2k
Financial charges	65	€5k
Result before taxes	9903	€160k
Income taxes	67/77	€36k
Net result for the period	9904	€124k
Result to be appropriated	9905	€124k

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

93 / 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.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

MARCIVET

Avenue Eugène Mascaux 120, 6001 CharleroiVeterinaire diensten

since 20222.340.271.191

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area208 m²

Buildings1

Building footprint75 m²

Volume (LiDAR)786 m³

Tallest building12.2 m · ±4 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.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52393B0107/00F002	Wallonia	208 m²	1 · 75 m²	12.2 m · 4 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

Snowflake analysis

financial profile on 5 axes

87 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93

Profitability 100

Solvency 98

Growth 52

Stability 94

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