PAUL SELIM MARNEFFE
ActiveSummary
PAUL SELIM MARNEFFE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €195k and a net result of €52k. Equity is growing by ~45.1% per year across the filed fiscal years. Its solvency ranks better than 74% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-5
Solvency100▲+15
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 4.84 against 2.32 in 2024; short-term debt: 17.2% and cash: 76.9% of total assets), and 21.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
78.2%
Return on assets
20.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 21-04-2026, 9 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
9 d early
2024
on the day
2023
1 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€195k▲ 36.5%
2024 · €143k
2023: €66k
2024: €143k
2023 → 2025
Total assets
€250k▲ 4.2%
2024 · €240k
2023: €107k
2024: €240k
2023 → 2025
Net result
€52k▼ 32.0%
2024 · €77k
2023: €51k
2024: €77k
2023 → 2025
Working capital
€165k▲ 61.7%
2024 · €102k
2023: €58k
2024: €102k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€66k-€143k▲ 116%€195k▲ 36.5%
Operating result€66k-€99k▲ 48.9%€69k▼ 30.3%
Net result€51k-€77k▲ 50.0%€52k▼ 32.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250k
Fixed assets
€42k ▼ 30.7%
Current assets
€208k ▲ 15.9%
Equity and liabilities €250k
Equity
€195k ▲ 36.5%
Debt
€55k ▼ 43.6%
Debt's share of the balance-sheet total falls from 40.3% to 21.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89k▼
2024 · €102k
Cash flow
€72k▼
2024 · €81k
Current ratio
4.84▲
2024 · 2.32
Debt to equity
0.28▼
2024 · 0.68
ROE
26.7%▼
2024 · 53.7%
ROA
20.9%▼
2024 · 32.1%
Interest coverage
87.13▲
2024 · 56.62
Debt ≤ 1 year
€43k▼
2024 · €78k
Debt > 1 year
€11k▼
2024 · €19k
Income taxes
€15k▼
2024 · €20k
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€240k€250k▲
Fixed assets21/28€60k€42k▼
Tangible fixed assets22/27€60k€42k▼
Land and buildings22€556€489▼
Furniture and vehicles24€60k€41k▼
Current assets29/58€180k€208k▲
Amounts receivable within one year40/41€280€13k▲
Trade receivables40€280€13k▲
Cash at bank and in hand54/58€177k€192k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€240k€250k▲
Equity10/15€143k€195k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€128k€180k▲
Amounts payable17/49€97k€55k▼
Amounts payable after more than one year17€19k€11k▼
Financial debts170/4€19k€11k▼
Amounts payable within one year42/48€78k€43k▼
Current portion of amounts payable after more than one year42€8k€8k=
Trade debts44€2k€10k▲
Suppliers440/4€2k€10k▲
Taxes, remuneration and social security45€24k€25k▲
Taxes450/3€24k€25k▲
Other amounts payable47/48€44k€45▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€20k▲
Other operating charges640/8€85€394▲
Gross operating margin9900€103k€89k▼
Operating profit (loss)9901€99k€69k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€97k€68k▼
Income taxes67/77€20k€15k▼
Profit (loss) for the period9904€77k€52k▼
Profit (loss) for the period to be appropriated9905€77k€52k▼
Appropriation of the result
Profit (loss) to be appropriated9906€128k€180k▲
Profit (loss) brought forward from the previous period14P€51k€128k▲
The notes to these accounts (6 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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity doublescurrent ratio 4.84
Current ratio from 2.32 to 4.84; short-term debt falls from €78k to €43k.
30-09
Financial
Equity above €150kEq €195k ▲36.5%
3 profitable years in a row build equity to €195k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2023net €77k ▲50%
Operating result €99k, net result €77k, both a record.
30-09
Financial
Equity above €100kEq €143k ▲116%
2 profitable years in a row build equity to €143k.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Grimbergen · 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.
Dijkstraat 151851 GrimbergenGround area
602 m²
Building footprint
202 m²
Volume, LiDAR
1,386 m³
Parcel 23036B0228/00F000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PAUL SELIM MARNEFFE
since 20222.335.490.972
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23036B0228/00F000 | Flanders | 602 m² | 1 · 202 m² | 10.7 m · 2 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
GALURIS
BE 0748.633.627
Beernem · Eq €195,431
GUY CONSULT
BE 0887.334.719
Berlare · Eq €195,437
VAN VELZEN C.S. BELGIUM
BE 0463.401.365
Hoogstraten · Eq €195,425
Mercurius & Partners
BE 0875.185.765
Gent · Eq €195,424
Just Q
BE 0685.755.455
Soignies · Eq €195,450
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,132 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
Founded05-09-2022
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.