MARVOS
ActiveMARVOS has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €-16k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 32% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▲+4
Solvency38▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.71 against 0.92 in 2024; short-term debt: 25.8% and cash: 0.5% of total assets), and 86.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
13.1%
Return on assets
-4.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-16k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
19 d late
2023
30 d late
2022
31 d late
2021
3 d late
2020
6 d late
2019
6 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▼ 24.4%
2024 · €64k
2018: €22k
2019: €35k
2020: €43k
2021: €61k
2022: €74k
2023: €85k
2024: €64k
2018 → 2025
Total assets
€369k▼ 7.7%
2024 · €400k
2018: €51k
2019: €57k
2020: €60k
2021: €86k
2022: €92k
2023: €134k
2024: €400k
2018 → 2025
Net result
€-16k▲ 26.4%
2024 · €-21k
2018: €15k
2019: €13k
2020: €8k
2021: €17k
2022: €14k
2023: €11k
2024: €-21k
2018 → 2025
Working capital
€-28k▼ 265%
2024 · €-8k
2018: €11k
2019: €26k
2020: €35k
2021: €53k
2022: €65k
2023: €54k
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€74k▲ 22.7%€85k▲ 14.6%€64k▼ 24.9%€48k▼ 24.4%
Operating result€25k-€20k▼ 17.2%€19k▼ 6.9%€21k▲ 8.9%€-3k
Net result€17k-€14k▼ 19.9%€11k▼ 20.9%€-21k€-16k▲ 26.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €21k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €369k
Fixed assets
€302k▼ 4.5%
Current assets
€67k▼ 19.8%
Equity and liabilities €369k
Equity
€48k▼ 24.4%
Debt
€321k▼ 4.5%
The debt ratio rises from 84.0% to 86.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€13k▼
2024 · €30k
Cash flow
€-552▲
2024 · €-12k
Solvency
13.1%▼
2024 · 16.0%
Current ratio
0.71▼
2024 · 0.92
Quick ratio
0.71▼
2024 · 0.92
Debt / equity
6.63▲
2024 · 5.25
ROE
-32.3%▲
2024 · -33.2%
ROA
-4.2%▲
2024 · -5.3%
Interest coverage
0.97▲
2024 · 0.71
Debt
€321k▼
2024 · €336k
Debt ≤ 1 year
€95k▲
2024 · €92k
Debt > 1 year
€226k▼
2024 · €245k
Income taxes
€211▼
2024 · €227
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€400k€369k▼
Fixed assets21/28€316k€302k▼
Tangible fixed assets22/27€316k€302k▼
Land and buildings22€316k€301k▼
Furniture and vehicles24-€756
Current assets29/58€84k€67k▼
Amounts receivable within one year40/41€74k€65k▼
Trade receivables40€71k€61k▼
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€10k€2k▼
Equity and liabilities
Total equity and liabilities10/49€400k€369k▼
Equity10/15€64k€48k▼
Contributions10/11€20k€20k=
Reserves13€47k€47k=
Distributable reserves133€47k€47k=
Profit (loss) carried forward14€-3k€-19k▼
Amounts payable17/49€336k€321k▼
Amounts payable after more than one year17€245k€226k▼
Financial debts170/4€245k€226k▼
Amounts payable within one year42/48€92k€95k▲
Current portion of amounts payable after more than one year42€18k€19k▲
Trade debts44€956€2k▲
Suppliers440/4€956€2k▲
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Other amounts payable47/48€69k€74k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€15k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€31k€14k▼
Operating profit (loss)9901€21k€-3k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€42k€13k▼
Recurring financial charges65€42k€13k▼
Profit (loss) for the period before taxes9903€-21k€-15k▲
Income taxes67/77€227€211▼
Profit (loss) for the period9904€-21k€-16k▲
Profit (loss) for the period to be appropriated9905€-21k€-16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-19k▼
Profit (loss) brought forward from the previous period14P€18k€-3k▼
The notes to these accounts (8 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Weakest financial yearnet €-21k ▼295%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-12
Financial
Highest result since 2018net €17k ▲116%
Operating result €25k, net result €17k, both a record.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
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.
Directors · office · real estate
Directors
3 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, Bilzen-Hoeselt · 1 establishment unit since 2000
Cannot 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.
Onderstraat 213730 Bilzen-HoeseltGround area
2,183 m²
Building footprint
516 m²
Volume, LiDAR
3,908 m³
Parcel 73099A0170/00S000, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Marvos bv
since 20002.097.613.914
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73099A0170/00S000 | Flanders | 2,182 m² | 1 · 516 m² | 10.7 m · 3 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
SLC
BE 0728.571.354
Ukkel · Eq €48k
Dades Services
BE 0735.591.580
Seraing · Eq €48k
BLOEMKABOUTER
BE 0811.138.447
Wetteren · Eq €49k
BON APPEKIP
BE 0781.631.245
Geraardsbergen · Eq €48k
JOLY-FRAIS
BE 0436.018.166
Elsene · Eq €49k
Of 3,830 companies in sector 47210 we hold annual accounts for 965. 788 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2000
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
47810Retail trade
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.