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MATERA

Active
Rue de l'Abbaye(SG) 21 ·7330 Saint-Ghislain, Belgium
KBO/BCE: BE 0793.748.525
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Age3 yrs
Staff (FTE)1.2
Real estate1 parcel · 202 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of MATERA is 0.9% (low). The 2025 annual accounts show equity of €1k and a net result of €9k. Its solvency ranks better than 12% of 443 sector peers (fiscal year 2025). The company has been active since 2022 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
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 443 sector peers (2025).
View the sector comparison

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 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-06. 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 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 23-01-2026 8 d early 2026-00023845
30-06-2024 31-01-2025 31-01-2025 on the day 2025-00027122

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
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
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
0.9% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Higher-failure-rate region +

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€9k
Working capital€-915+90.5%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 23-01-2026 with the NBB · fiscal year 2025 · micro
€-10k€0€10kOperating result 2024: €-10k€-10kNet result 2024: €-10k€-10kOperating result 2025: €15k€15kNet result 2025: €9k€9k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 74 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 1.9% 53.8%
better than 12% of 443 sector peers
Net result €9k €16k
better than 41% of 443 sector peers
Equity €1k €38k
better than 11% of 443 sector peers
Gross operating margin €63k €32k
better than 71% of 443 sector peers
Staff costs €45k €35k
higher than 61% of 54 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€16k
- 24-25
Net profit
€9k
- 24-25
Cash flow
€10k
- 24-25
Total assets
€52k
+16.6% 24-25
Equity
€1k
- 24-25
Working capital
€-915
+90.5% 24-25
Employees (FTE)
1
0.0% 24-25
Staff costs
€45k
-31.1% 24-25
Income taxes
€5k
- 24-25
Debt
€51k
-2.9% 24-25
Debt ≤ 1y
€51k
-2.9% 24-25
Current ratio
0.98
+20.1% 24-25
Quick ratio
0.98
+20.1% 24-25
Solvency
1.9%
- 24-25
Debt / equity
50.40
- 24-25
ROE
878.8%
+602.2% 24-25
ROA
17.1%
- 24-25
Interest coverage
38.51
- 24-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€16k
Net profit€9k
Cash flow€10k
Staff costs€45k
Income taxes€5k
Dividends-
Total assets€52k
Equity€1k
Debt€51k
of which ≤ 1y€51k
of which > 1y-
Working capital€-915
Employees (FTE)1.2
Ratios (computed)
2025
Current ratio0.98
Quick ratio0.98
Working capital ratio-1.7%
Solvency1.9%
Debt / equity50.40
Long-term debt ratio-
Interest coverage38.51
Gross margin-
Net margin-
ROA17.1%
ROE878.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€52k
Fixed assets 21/28€2k
Tangible fixed assets 22/27€1k
Financial fixed assets 28€850
Current assets 29/58€51k
Amounts receivable within one year 40/41€41k
Cash & bank 54/58€1k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€52k
Equity 10/15€1k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€-979
Amounts payable 17/49€51k
Amounts payable within one year 42/48€51k
Trade debts payable within one year 44€22k
Income statement
Gross operating margin 9900€63k
Operating result 9901€15k
Financial charges 65€411
Result before taxes 9903€14k
Income taxes 67/77€5k
Net result for the period 9904€9k
Result to be appropriated 9905€9k
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
56 / 100 Fair
050100
Computed from 5 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.

Rue de l'Abbaye(SG) 217330 Saint-Ghislain

Establishment units

1 location
MATERA
Rue de l'Abbaye(SG) 21, 7330 Saint-GhislainAlgemene elektrotechnische installatiewerken
since 20222.343.943.236
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area202 m²
Buildings1
Building footprint61 m²
Volume (LiDAR)604 m³
Tallest building11.9 m · ±3 fl.

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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53070B0019/00R006 Wallonia 202 m² 1 · 61 m² 11.9 m · 3 fl.
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
Health56Profitability100Solvency12Growth78Stability94
68 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 56
Profitability 100
Solvency 12
Growth 78
Stability 94

Ask AI about this company

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AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 724 of the 4,558 companies in this sector. 115 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Elektrotechnische installatiewerken aan gebouwen43211Algemene elektrotechnische installatiewerken43211Overige gespecialiseerde wetenschappelijke en technische activiteiten74909Overige activiteiten van vrije beroepen en andere wetenschappelijke en technische activiteiten, neg74999Elektrotechnische installatiewerken aan gebouwen43211Algemene elektrotechnische installatiewerken43211Overige bouwinstallatie43240Overige bouwinstallatie, n.e.g.43299
Primary activity highlighted.
Names & trade names
Legal nameFR MATERA
Registered office
Rue de l'Abbaye(SG) 21
7330 Saint-Ghislain, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.