Maric Invest
ActiveMaric Invest has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €464k and a net result of €45k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 1587 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability49▼-2
Solvency57▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity short (current ratio 0.2 against 0.03 in 2024), and 54.5% 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○neutral
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
45.5%
Return on assets
4.4%
Age of the figures
8 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
24 d early
2023
28 d late
2022
62 d early
2021
61 d early
2020
20 d late
2019
87 d late
← 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€464k▲ 1.2%
2024 · €459k
2018: €316k
2019: €308k
2020: €318k
2021: €343k
2022: €376k
2023: €412k
2024: €459k
2018 → 2025
Total assets
€1.02M▼ 0.3%
2024 · €1.02M
2018: €1.08M
2019: €1.28M
2020: €1.36M
2021: €1.29M
2022: €1.25M
2023: €1.24M
2024: €1.02M
2018 → 2025
Net result
€45k▼ 2.7%
2024 · €47k
2018: €14k
2019: €-7k
2020: €2k
2021: €25k
2022: €32k
2023: €37k
2024: €47k
2018 → 2025
Working capital
€-357k▲ 9.5%
2024 · €-395k
2018: €-191k
2019: €-461k
2020: €-639k
2021: €-594k
2022: €-517k
2023: €-457k
2024: €-395k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€343k-€376k▲ 9.4%€412k▲ 9.8%€459k▲ 11.3%€464k▲ 1.2%
Operating result€39k-€47k▲ 20.4%€53k▲ 11.2%€65k▲ 23.0%€63k▼ 2.7%
Net result€25k-€32k▲ 27.1%€37k▲ 13.5%€47k▲ 27.0%€45k▼ 2.7%
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 falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.02M
Fixed assets
€931k▼ 8.0%
Current assets
€89k▲ 738%
Equity and liabilities €1.02M
Equity
€464k▲ 1.2%
Debt
€556k▼ 1.5%
The debt ratio falls from 55.2% to 54.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€152k▲
2024 · €151k
Cash flow
€134k▲
2024 · €133k
Solvency
45.5%▲
2024 · 44.8%
Current ratio
0.20▲
2024 · 0.03
Quick ratio
0.20▲
2024 · 0.03
Debt / equity
1.20▼
2024 · 1.23
ROE
9.8%▼
2024 · 10.2%
ROA
4.4%▼
2024 · 4.6%
Interest coverage
64.18▲
2024 · 52.62
Debt
€556k▼
2024 · €564k
Debt ≤ 1 year
€446k▲
2024 · €405k
Debt > 1 year
€110k▼
2024 · €156k
Income taxes
€15k▼
2024 · €16k
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€1.02M€1.02M▼
Fixed assets21/28€1.01M€931k▼
Tangible fixed assets22/27€1.01M€931k▼
Land and buildings22€1.01M€931k▼
Financial fixed assets28€32€32=
Current assets29/58€11k€89k▲
Amounts receivable within one year40/41€64€1▼
Trade receivables40€0-
Other amounts receivable41€64€1▼
Cash at bank and in hand54/58€9k€87k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.02M€1.02M▼
Equity10/15€459k€464k▲
Contributions10/11€20k€20k=
Reserves13€439k€444k▲
Distributable reserves133€439k€444k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€564k€556k▼
Amounts payable after more than one year17€156k€110k▼
Financial debts170/4€156k€110k▼
Amounts payable within one year42/48€405k€446k▲
Current portion of amounts payable after more than one year42€46k€46k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€8k€6k▼
Taxes450/3€8k€6k▼
Other amounts payable47/48€350k€389k▲
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€87k€89k▲
Other operating charges640/8€15k€17k▲
Gross operating margin9900€166k€168k▲
Operating profit (loss)9901€65k€63k▼
Financial income75/76B€1k€28▼
Recurring financial income75€1k€28▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€63k€61k▼
Income taxes67/77€16k€15k▼
Profit (loss) for the period9904€47k€45k▼
Profit (loss) for the period to be appropriated9905€47k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€45k▼
Transfer to equity691/2€47k€5k▼
To other reserves6921€47k€5k▼
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (14 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €47k ▲27%
Operating result €65k, net result €47k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Weakest financial yearnet €-7k ▼154%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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
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Of 13,400 companies in sector 73300 we hold annual accounts for 6,834. 4,238 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2015
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.