Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Marlon Herrera is 2.7% (moderate). The 2024 annual accounts show equity of €50k and a net result of €49k. Its solvency ranks better than 57% of 6698 sector peers (fiscal year 2024). 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 1 annual account.
Filing behaviour
From the deposit records, complete market-wideFiled after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-08-2025, 18 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
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 18-08-2025 | 18 d late | 2025-00381096 |
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 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
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 everyone2.7%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Multiple establishment units
+
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€49k
Working capital€30k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 18-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 27.3% | 20.4% | |
| Net result | €49k | €4k | |
| Equity | €50k | €16k | |
| Gross operating margin | €252k | €24k | |
| Staff costs | €168k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €69k |
| Net profit | €49k |
| Cash flow | €50k |
| Staff costs | €168k |
| Income taxes | €18k |
| Dividends | - |
| Total assets | €183k |
| Equity | €50k |
| Debt | €133k |
| of which ≤ 1y | €133k |
| of which > 1y | - |
| Working capital | €30k |
| Employees (FTE) | 4.2 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.22 |
| Quick ratio | 1.03 |
| Working capital ratio | 16.4% |
| Solvency | 27.3% |
| Debt / equity | 2.66 |
| Long-term debt ratio | - |
| Interest coverage | 63.47 |
| Gross margin | - |
| Net margin | - |
| ROA | 27.0% |
| ROE | 99.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
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 | €183k |
| Fixed assets | 21/28 | €20k |
| Tangible fixed assets | 22/27 | €2k |
| Financial fixed assets | 28 | €18k |
| Current assets | 29/58 | €163k |
| Stocks & contracts in progress | 3 | €26k |
| Amounts receivable within one year | 40/41 | €8k |
| Cash & bank | 54/58 | €129k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €183k |
| Equity | 10/15 | €50k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €45k |
| Accumulated profits (losses) | 14 | €7 |
| Amounts payable | 17/49 | €133k |
| Amounts payable within one year | 42/48 | €133k |
| Trade debts payable within one year | 44 | €20k |
| Income statement | ||
| Gross operating margin | 9900 | €252k |
| Operating result | 9901 | €68k |
| Financial income | 75 | €83 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €67k |
| Income taxes | 67/77 | €18k |
| Net result for the period | 9904 | €49k |
| Result to be appropriated | 9905 | €49k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed78
/ 100
Excellent
Computed from 4 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
from the Crossroads BankCannot 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.
Buxuslaan 202940 StabroekEstablishment units
2 locationsCarpe Diem
since 20232.350.438.276
Universiteit Van Het Leven "Moet Just Niks"
since 20232.350.438.375
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels3
Ground area914 m²
Buildings3
Building footprint287 m²
Volume (LiDAR)2,035 m³
Tallest building17.0 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11020I0471/00P000 | Flanders | 753 m² | 1 · 185 m² | 6.4 m · 2 fl. |
| 11002A1342/00A000 | Flanders | 82 m² | 1 · 59 m² | 17.0 m · 5 fl. |
| 11803C2330/00A000 | Flanders | 79 m² | 1 · 44 m² | 17.0 m · 4 fl. |
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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 axes73
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
78
Profitability
100
Solvency
47
Growth
-
Stability
67
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Credit advice
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Company registry
Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameNL | Marlon Herrera |
Registered office
Buxuslaan 20
2940 Stabroek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.