MARMANA
ActiveSummary
MARMANA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €616k and a net result of €345. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 95% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-31
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 45.96 against 44.65 in 2024; short-term debt: 2.1% and cash: 23.3% of total assets), and 2.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
97.9%
Return on assets
0.1%
Age of the figures
15 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 · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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
2 d late
2024
3 d late
2023
10 d late
2022
1 d late
2021
on the day
2020
1 d late
2019
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€616k▲ 0.1%
2024 · €616k
2019: €383k
2020: €388k
2021: €399k
2022: €415k
2023: €424k
2024: €616k
2019 → 2025
Total assets
€629k=
2024 · €629k
2019: €405k
2020: €407k
2021: €419k
2022: €435k
2023: €445k
2024: €629k
2019 → 2025
Net result
€345▼ 99.8%
2024 · €191k
2019: €16k
2020: €11k
2021: €17k
2022: €22k
2023: €15k
2024: €191k
2019 → 2025
Working capital
€596k▼ 0.6%
2024 · €600k
2019: €30k
2020: €36k
2021: €46k
2022: €63k
2023: €72k
2024: €600k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€399k-€415k▲ 4.0%€424k▲ 2.2%€616k▲ 45.1%€616k▲ 0.1%
Operating result€21k-€26k▲ 25.6%€18k▼ 29.2%€-7k€-7k▲ 2.1%
Net result€17k-€22k▲ 27.6%€15k▼ 30.1%€191k▲ 1,156%€345▼ 99.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €7k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €629k
Fixed assets
€20k ▲ 25.3%
Current assets
€609k ▼ 0.7%
Equity and liabilities €629k
Equity
€616k ▲ 0.1%
Debt
€13k ▼ 3.5%
Debt's share of the balance-sheet total falls from 2.2% to 2.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-5k▼
2024 · €-4k
Cash flow
€3k▼
2024 · €195k
Current ratio
45.96▲
2024 · 44.65
Debt to equity
0.02▼
2024 · 0.02
ROE
0.1%▼
2024 · 31.1%
ROA
0.1%▼
2024 · 30.4%
Interest coverage
-0.82▲
2024 · -9.61
Debt ≤ 1 year
€13k▼
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€629k€629k=
Fixed assets21/28€16k€20k▲
Tangible fixed assets22/27€16k€20k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€13k€16k▲
Current assets29/58€613k€609k▼
Amounts receivable after more than one year29-€60k
Other amounts receivable291-€60k
Amounts receivable within one year40/41€106k€109k▲
Trade receivables40€19k€14k▼
Other amounts receivable41€86k€95k▲
Current investments50/53€287k€287k=
Cash at bank and in hand54/58€221k€146k▼
Deferred charges and accrued income490/1-€7k
Equity and liabilities
Total equity and liabilities10/49€629k€629k=
Equity10/15€616k€616k▲
Contributions10/11€371k€371k=
Outside capital11€371k€371k=
Other1109/19€371k€371k=
Reserves13€245k€245k▲
Tax-exempt reserves132€2k€2k=
Distributable reserves133€243k€243k▲
Amounts payable17/49€14k€13k▼
Amounts payable within one year42/48€14k€13k▼
Trade debts44-€4k
Suppliers440/4-€4k
Taxes, remuneration and social security45€14k€10k▼
Taxes450/3€14k€10k▼
Income statement
Code20242025
Non-recurring operating income76A€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-2k€-4k▼
Operating profit (loss)9901€-7k€-7k▲
Financial income75/76B€216k€13k▼
Recurring financial income75€216k€13k▼
Financial charges65/66B€381€6k▲
Recurring financial charges65€381€6k▲
Profit (loss) for the period before taxes9903€209k€345▼
Income taxes67/77€17k-
Profit (loss) for the period9904€191k€345▼
Profit (loss) for the period to be appropriated9905€191k€345▼
Appropriation of the result
Profit (loss) to be appropriated9906€191k€345▼
Transfer to equity691/2€191k€345▼
To other reserves6921€191k€345▼
The notes to these accounts (5 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-06
Financial
Weakest financial yearnet €345 ▼99.8%
Net result drops to €345, the lowest in the series.
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
30-06
Financial
Highest result since 2019net €191k ▲1,156%
Net result €191k, the highest in the series.
30-06
Financial
Liquidity times 10current ratio 44.65
Current ratio from 4.49 to 44.65; short-term debt falls from €21k to €14k.
30-06
Financial
Equity above €500kEq €616k ▲45.1%
6 profitable years in a row build equity to €616k.
10-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 10 days late
2023
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-01
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.
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, Gent · 1 establishment unit since 2011
Ground area
1,396 m²
Building footprint
268 m²
Volume, LiDAR
1,592 m³
Parcel 44017D1017/00D000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Marmana
since 20112.203.441.013
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017D1017/00D000 | Flanders | 1,396 m² | 1 · 268 m² | 10.0 m · 2 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
FVLH Group
BE 0718.790.289
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ZJSJ
BE 0536.441.573
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KOBO INVEST
BE 0475.333.652
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CIMMOD
BE 0443.719.273
Sint-Niklaas · Eq €616,141
J.P.M. Consulting
BE 0783.345.175
Sint-Martens-Latem · Eq €616,211
Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 32,842 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2011
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.