MAT-IT · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of MAT-IT is 0.4% (very low). The 2025 annual accounts show equity of €88k and a net result of €56k. Its solvency ranks better than 65% of 2749 sector peers (fiscal year 2025). 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 2 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

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-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. 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 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	11-06-2026	50 d early	2026-00152454
31-12-2024	31-07-2025	09-06-2025	52 d early	2025-00138091

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 signals

Young 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€193k+76.4%

EBIT margin37.4%-2.3pp

Net result€56k+76.6%

Working capital€54k+268.3%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 11-06-2026 with the NBB · fiscal year 2025 · micro

RevenueOperating resultNet result

Sector comparison

Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	74.9%	62.2%	better than 65% of 2749 sector peers
Net result	€56k	€40k	better than 67% of 2751 sector peers
Equity	€88k	€62k	better than 63% of 2750 sector peers
Gross operating margin	€131k	€63k	better than 89% of 2751 sector peers
Staff costs	€55k	€17k	higher than 74% of 362 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€193k

+76.4% 24-25

EBITDA

€76k

+68.8% 24-25

Net profit

€56k

+76.6% 24-25

Cash flow

€59k

+79.6% 24-25

Total assets

€118k

+136.0% 24-25

Equity

€88k

+171.2% 24-25

Working capital

€54k

+268.3% 24-25

Staff costs

€55k

+85.6% 24-25

Income taxes

€15k

+32.4% 24-25

Debt

€30k

+70.2% 24-25

Debt ≤ 1y

€30k

+70.2% 24-25

Current ratio

2.84

+53.5% 24-25

Quick ratio

2.84

+53.5% 24-25

Solvency

74.9%

+14.9% 24-25

Debt / equity

0.34

-37.2% 24-25

ROE

63.1%

-34.9% 24-25

ROA

47.3%

-25.2% 24-25

Net margin

28.8%

+0.1% 24-25

EBITDA margin

39.1%

-4.3% 24-25

Interest coverage

34.98

+38.8% 24-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	€193k
EBITDA	€76k
Net profit	€56k
Cash flow	€59k
Staff costs	€55k
Income taxes	€15k
Dividends	-
Total assets	€118k
Equity	€88k
Debt	€30k
of which ≤ 1y	€30k
of which > 1y	-
Working capital	€54k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	2.84
Quick ratio	2.84
Working capital ratio	46.2%
Solvency	74.9%
Debt / equity	0.34
Long-term debt ratio	-
Interest coverage	34.98
Gross margin	67.7%
Net margin	28.8%
ROA	47.3%
ROE	63.1%
EBITDA margin	39.1%
Days sales outstanding	-
Days payable outstanding	51d
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €34k · 28.7% Current assets €84k · 71.3%

Equity & liabilities

Equity €88k · 74.9% Debt €30k · 25.1%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€118k
Fixed assets	21/28	€34k
Tangible fixed assets	22/27	€34k
Current assets	29/58	€84k
Cash & bank	54/58	€62k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€118k
Equity	10/15	€88k
Contributions / capital	10/11	€1k
Reserves	13	€87k
Amounts payable	17/49	€30k
Amounts payable within one year	42/48	€30k
Trade debts payable within one year	44	€9k
Income statement
Turnover	70	€193k
Gross operating margin	9900	€131k
Operating result	9901	€72k
Financial income	75	€150
Financial charges	65	€2k
Result before taxes	9903	€70k
Income taxes	67/77	€15k
Net result for the period	9904	€56k
Result to be appropriated	9905	€56k

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Computed from 6 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 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Komijnstraat 289000 Gent

Establishment units

1 location

Mat-IT

Komijnstraat 28, 9000 GentComputerconsultancy-activiteiten

since 20242.358.981.206

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area43 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.
44815F2966/00E000	Flanders	43 m²	-	-

Methodology

via registered seat: 1

1 of 1 parcels 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

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 axes

93 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 100

Growth 85

Stability 82

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