Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Marnic Bex Software Testing is 1.5% (moderate). The 2024 annual accounts show negative equity (€-1k) and a net result of €-4k. Its solvency ranks better than 5% of 563 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.5%
Moderate
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile
+Lower-failure-rate sector
−Young company
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts 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-wideFiled after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 | 30-09-2025 | 61 d late | 2025-00512974 |
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 2024, 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.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-4k
Working capital€-1k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -280.7% | 34.8% | |
| Net result | €-4k | €15k | |
| Equity | €-1k | €79k | |
| Gross operating margin | €-4k | €81k | |
| Total assets | €458 | €314k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | - |
| Net profit | €-4k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €458 |
| Equity | €-1k |
| Debt | €2k |
| of which ≤ 1y | €2k |
| of which > 1y | - |
| Working capital | €-1k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.26 |
| Quick ratio | 0.26 |
| Working capital ratio | -280.7% |
| Solvency | -280.7% |
| Debt / equity | -1.36 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -935.6% |
| ROE | 333.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (17 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €458 |
| Current assets | 29/58 | €458 |
| Amounts receivable within one year | 40/41 | €33 |
| Cash & bank | 54/58 | €425 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €458 |
| Equity | 10/15 | €-1k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €-4k |
| Amounts payable | 17/49 | €2k |
| Amounts payable within one year | 42/48 | €2k |
| Trade debts payable within one year | 44 | €270 |
| Income statement | ||
| Gross operating margin | 9900 | €-4k |
| Operating result | 9901 | €-4k |
| Financial charges | 65 | €41 |
| Result before taxes | 9903 | €-4k |
| Net result for the period | 9904 | €-4k |
| Result to be appropriated | 9905 | €-4k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed20
/ 100
Critical
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
2 directors2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
BV Clean 4ULegal entityDirectorState Gazette act 25050951 (17-04-2025)Current24-03-2025 → present
Former directors (1)
-
Marnic BexDirectorState Gazette act 25050951 (17-04-2025)Former- → 31-03-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten(62200) |
| Legal form | Private limited company(610) |
| Incorporation | 23-01-2024 |
| Status | Active |
| Postal code | 3020 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationGo2Digital
since 20242.357.289.545
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,359 m²
Buildings1
Building footprint331 m²
Volume (LiDAR)4,401 m³
Tallest building16.5 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
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423G0339/00P000 | Flanders | 1,359 m² | 1 · 331 m² | 16.5 m · 5 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 act All acts · 1
updated 1 year ago
2025
17-04-2025 2 directors appointed, 1 resigning
- BV Clean 4U, Bestuurder
- BV Boekhoud.Expert, Algemeen beheerder
- Marnic Bex, Bestuurder
Analysis
Financial profile
4 of 5 axes measured55
/ 100
Mixed profile: strong on profitability, weaker on health.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
20
Profitability
100
Solvency
33
Growth
-
Stability
67
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionBE 0458.439.816 · Herent
BE 0793.431.888 · Herent
BE 0716.683.708 · Herent
BE 0472.761.667 · Herent
BE 0704.961.752 · Herent
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 6,024 of the 29,937 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Overige niet-gespecialiseerde detailhandel47120Detailhandel via postorderbedrijven of via internet47910Productie van video en film, muv bioscoop- en televisiefilms59113Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Computerinfrastructuur, gegevensverwerking, hosting en aanverwante activiteiten63100Gegevensverwerking, webhosting en aanverwante activiteiten63110Activiteiten van fotografen, met uitzondering van persfotografen74201
Primary activity highlighted.
Names & trade names
| Legal nameNL | Marnic Bex Software Testing |
| AbbreviationNL | MB Software Testing |
Registered office
Wijgmaalsesteenweg 28 bus 4
3020 Herent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.