Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 19 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
MAR & DI from Elsene, company number BE0715781212, closed financial year 2025 with a result of € -86,602 after tax. For that financial year MAR & DI recorded a gross margin of € 31,586 and equity of € -265,191. Compared with financial year 2024, the result moved from € -36,945 to € -86,602. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 31, 2025.
€ -265,191
▼ € 86,602 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -86,602
▼ 134 % more loss than in 2024
Profit after tax over the fiscal year.
€ 18,674
▼ 56% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -315,191.
People and assets in 2025
€ 100,763
▲ 41% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 5,830
▼ 24% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 500,000
Loans from banks and other lenders, long and short.
€ 49,460
▼ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 29,712
▼ 37% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 39,972 | € 19,155 | € 61,159 | € 31,586 | ▼ 48% |
| Profit after taxes | € 433 | € -100,365 | € -36,945 | € -86,602 | ▼ € 49,657 |
| Equity | € -41,279 | € -141,644 | € -178,589 | € -265,191 | ▼ € 86,602 |
| Total debts | € 455,888 | € 584,552 | € 703,529 | € 753,650 | ▲ 7% |
| Cash | € 76,218 | € 942 | € 42,817 | € 18,674 | ▼ 56% |
| Land & buildings | € 50,525 | € 43,445 | € 35,783 | € 28,801 | ▼ 20% |
| Retained profit | € -91,279 | € -191,644 | € -228,589 | € -315,191 | ▼ € 86,602 |
| Bank debt | € 0 | € 1,870 | € 0 | € 500,000 | |
| Balance sheet total | € 414,609 | € 442,908 | € 524,940 | € 488,460 | ▼ 7% |
Key figures of MAR & DI, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 October 2026.
What happened to MAR & DI?
What happened at MAR & DI in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New establishment in Antwerpen. KBO
- New annual accounts for financial year 2025: loss of € 86,602. Source: NBB ↗
- Marie SMITS became a director. NBB
- New establishment in Elsene. KBO
- Start of the company according to the CBE. KBO
In short
From € 433 profit in 2022 to € 86,602 loss in 2025.
Paid € 1,377 in corporate taxes since 2022.
Best year ever: 2022, with € 433 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
Marie SMITS
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Edelknaapstraat 15
1050 Elsene
Drukkerijstraat 22
2000 Antwerpen
Active since 1 June 2026
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0715.781.212
- VAT number
- BE 0715.781.212
- Registered office
- Edelknaapstraat 15, 1050 Elsene
- Names & denominations
- MAR & DI
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 December 2018
- Peppol
- Active · Active since 6 Jul 2026
- Activities · NACE
Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)
Detailhandel in damesbovenkleding
Detailhandel in schoeisel
Detailhandel in onderkleding, lingerie en strand- en badkleding
Detailhandel in kledingaccessoires
Detailhandel in souvenirs en religieuze artikelen
Detailhandel in souvenirs en religieuze artikelen in gespecialiseerde winkels