MATRIX
ActiveSummary
The computed 12-month bankruptcy probability of MATRIX is 1.6% (moderate). The 2025 annual accounts show equity of €3k and a net result of €54k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 11322 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency27▼-71
Growth78=
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
1.7%
Return on assets
30.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 11322 sector peers (2025).
NBB · sector comparisonPosition among 11322 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
3 d late
2024
97 d early
2023
22 d early
2022
34 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 96.9%
2024 · €98k
2022: €-2k
2023: €53k
2024: €98k
2022 → 2025
Total assets
€178k▲ 33.0%
2024 · €134k
2022: €3k
2023: €79k
2024: €134k
2022 → 2025
Net result
€54k▲ 20.2%
2024 · €45k
2022: €-5k
2023: €54k
2024: €45k
2022 → 2025
Working capital
€-1k
2024 · €97k
2022: €-2k
2023: €54k
2024: €97k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-2k-€53k€98k▲ 85.1%€3k▼ 96.9%
Operating result€-5k-€68k€61k▼ 10.4%€72k▲ 17.1%
Net result€-5k-€54k€45k▼ 17.4%€54k▲ 20.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€6k ▲ 1,007%
Current assets
€172k ▲ 28.9%
Equity and liabilities €178k
Equity
€3k ▼ 96.9%
Debt
€175k ▲ 388%
Debt's share of the balance-sheet total rises from 26.8% to 98.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€73k▲
2024 · €62k
Cash flow
€56k▲
2024 · €45k
Current ratio
0.99▼
2024 · 3.72
Debt to equity
58.26▲
2024 · 0.37
ROA
30.4%▼
2024 · 33.7%
Interest coverage
21.05▲
2024 · 16.21
Debt ≤ 1 year
€173k▲
2024 · €36k
Income taxes
€14k▲
2024 · €13k
A ratio outside any meaningful range has been withheld (balance sheet total €178k, equity €3k).
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€134k€178k▲
Fixed assets21/28€555€6k▲
Tangible fixed assets22/27€555€6k▲
Plant, machinery and equipment23€555€120▼
Furniture and vehicles24-€6k
Current assets29/58€133k€172k▲
Amounts receivable within one year40/41€28k€32k▲
Trade receivables40€28k€32k▲
Cash at bank and in hand54/58€103k€137k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€134k€178k▲
Equity10/15€98k€3k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€95k€0▼
Amounts payable17/49€36k€175k▲
Amounts payable within one year42/48€36k€173k▲
Trade debts44€805€1k▲
Suppliers440/4€805€1k▲
Taxes, remuneration and social security45€33k€21k▼
Taxes450/3€33k€21k▼
Other amounts payable47/48€2k€151k▲
Accrued charges and deferred income492/3€0€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€435€2k▲
Other operating charges640/8€400€892▲
Gross operating margin9900€62k€74k▲
Operating profit (loss)9901€61k€72k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€58k€68k▲
Income taxes67/77€13k€14k▲
Profit (loss) for the period9904€45k€54k▲
Profit (loss) for the period to be appropriated9905€45k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€149k▲
Profit (loss) brought forward from the previous period14P€50k€95k▲
Profit to be distributed694/7-€149k
Return on contributions (dividend)694-€149k
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €54k
Net result €54k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 3.20
Current ratio from 0.67 to 3.20.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Putte · 1 establishment unit since 2022
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.
Mechelbaan 4562580 PutteGround area
392 m²
Building footprint
389 m²
Volume, LiDAR
4,111 m³
Parcel 12029A0746/00B002, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MATRIX
since 20222.339.476.880
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029A0746/00B002 | Flanders | 392 m² | 1 · 389 m² | 15.0 m · 4 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
HET VOEDERHUISJE
BE 0756.811.717
Tessenderlo-Ham · Eq €2,931
Agro Fluyt
BE 0743.745.322
Overijse · Eq €3,379
JPH Handelsonderneming
BE 0736.565.441
Maaseik · Eq €3,595
OXR
BE 0684.832.371
Lier · Eq €4,242
DCL Agri & Trade
BE 1022.105.826
Herk-de-Stad · Eq €2,007
Of 408 companies in sector 46110 we hold annual accounts for 172. 34 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
Founded22-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
46110Wholesale trade
63920Other information service activities
70200Business and other management consultancy
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.