CH.MALIK
ActiveSummary
CH.MALIK has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€7,357) and a net result of €1,792. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 26049 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability52▲+50
Solvency0=
Growth48▲+15
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.8 against 0.55 in 2023; short-term debt: 124.6% and cash: 27.3% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-24.6%
Return on assets
6%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 26049 sector peers (2024).
NBB · sector comparisonPosition among 26049 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
4 d early
2022
22 d late
2021
32 d late
2020
51 d late
2019
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 20 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€446,584▼ 8.3%
2023 · €486,938
EBIT margin
0.6%▲ 4.1pp
2023 · -3.6%
Net result
€1,792
2023 · -€17,506
Working capital
-€7,357▲ 19.6%
2023 · -€9,149
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€618,190▲ 18.6%€580,250▼ 6.1%€486,938€446,584▼ 8.3%
Operating result€10,093▲ 211%€2,891▼ 71.4%-€10,002-€17,342▼ 73.4%€2,517
Net result€9,875within the sector's middle half▲ 503%€2,552within the sector's middle half▼ 74.2%-€11,493below the sector's middle half-€17,506below the sector's middle half▼ 52.3%€1,792within the sector's middle half
EBIT margin1.6%▲ 1.0pp0.5%▼ 1.1pp-3.6%0.6%▲ 4.1pp
Equity€27,898within the sector's middle half▲ 54.8%€30,450within the sector's middle half▲ 9.1%€18,957within the sector's middle half▼ 37.7%-€9,149below the sector's middle half-€7,357below the sector's middle half▲ 19.6%
Total assets€40,259below the sector's middle half▼ 51.0%€49,785below the sector's middle half▲ 23.7%€45,592below the sector's middle half▼ 8.4%€11,299below the sector's middle half▼ 75.2%€29,966below the sector's middle half▲ 165%
Debt€12,361▼ 80.7%€19,335▲ 56.4%€26,635▲ 37.8%€20,448▼ 23.2%€37,323▲ 82.5%
Working capital€26,681within the sector's middle half▲ 48.0%€29,727within the sector's middle half▲ 11.4%€17,928within the sector's middle half▼ 39.7%-€9,149within the sector's middle half-€7,357within the sector's middle half▲ 19.6%
Solvency69.3%above the sector's middle half▲ 47.4pp61.2%above the sector's middle half▼ 8.1pp41.6%within the sector's middle half▼ 19.6pp-81.0%below the sector's middle half▼ 122.5pp-24.6%below the sector's middle half▲ 56.4pp
Current ratio3.16above the sector's middle half▲ 1.882.54within the sector's middle half▼ 0.621.67within the sector's middle half▼ 0.860.55below the sector's middle half▼ 1.120.80below the sector's middle half▲ 0.25
Return on assets (ROA)24.5%above the sector's middle half▲ 22.5pp5.1%within the sector's middle half▼ 19.4pp-25.2%below the sector's middle half▼ 30.3pp-154.9%below the sector's middle half▼ 129.7pp6.0%within the sector's middle half▲ 160.9pp
Staff (FTE)0.3below the sector's middle half0.90.8▼ 11.1%1.9▲ 138%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €2,517 after a loss of €17,342 in 2023.
Key figures and ratios
Quick ratio
0.27▲
2023 · 0.26
Debt to equity
-5.07▼
2023 · -2.24
Debt ≤ 1 year
€37,323▲
2023 · €20,448
Staff costs
€16,632▲
2023 · €8,533
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,640 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit of 5% of the balance sheet or more
2.7%
went bankrupt
4.9%
stopped otherwise
92%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,640 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €618,190 | €580,250 | - | €486,938 | €446,584 | ▼ 8.3% |
| Non-recurring operating income76A | - | - | - | €3,138 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €572,298 | - | €499,064 | €427,249 | ▼ 14.4% |
| Remuneration, social security and pensions62 | - | €5,436 | €6,091 | €8,533 | €16,632 | ▲ 94.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €265 | €494 | €494 | €229 | - | - |
| Other operating charges640/8 | - | €357 | €792 | €792 | €1,677 | ▲ 112% |
| Gross operating margin9900 | €15,964 | €9,178 | -€2,625 | -€7,789 | €20,826 | ▲ 367% |
| Operating profit (loss)9901 | €10,093 | €2,891 | -€10,002 | -€17,342 | €2,517 | ▲ 115% |
| Financial income75/76B | - | €0 | - | - | - | - |
| Recurring financial income75 | - | €0 | - | - | - | - |
| Financial charges65/66B | - | €142 | €123 | €163 | €725 | ▲ 344% |
| Recurring financial charges65 | €218 | €142 | €123 | €163 | €725 | ▲ 344% |
| Profit (loss) for the period before taxes9903 | €9,875 | €2,749 | -€10,124 | -€17,506 | €1,792 | ▲ 110% |
| Income taxes67/77 | - | €196 | €1,369 | - | - | - |
| Profit (loss) for the period9904 | €9,875 | €2,552 | -€11,493 | -€17,506 | €1,792 | ▲ 110% |
| Profit (loss) for the period to be appropriated9905 | €9,875 | €2,552 | -€11,493 | -€17,506 | €1,792 | ▲ 110% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €40,259 | €49,785 | €45,592 | €11,299 | €29,966 | ▲ 165% |
| Fixed assets21/28 | €1,216 | €722 | €1,029 | - | - | - |
| Tangible fixed assets22/27 | €1,216 | €722 | €1,029 | - | - | - |
| Furniture and vehicles24 | - | €722 | €229 | - | - | - |
| Other tangible fixed assets26 | - | - | €800 | - | - | - |
| Current assets29/58 | €39,043 | €49,062 | €44,563 | €11,299 | €29,966 | ▲ 165% |
| Stocks and contracts in progress3 | €29,820 | €11,595 | €30,794 | €6,034 | €20,037 | ▲ 232% |
| Stocks30/36 | - | €11,595 | €30,794 | €6,034 | €20,037 | ▲ 232% |
| Amounts receivable within one year40/41 | €2,424 | €9,278 | €13,102 | €3,538 | €1,734 | ▼ 51.0% |
| Trade receivables40 | - | €7,280 | €225 | €3,519 | €1,200 | ▼ 65.9% |
| Other amounts receivable41 | - | €1,998 | €12,877 | €18 | €534 | ▲ 2,792% |
| Cash at bank and in hand54/58 | €6,799 | €28,189 | €667 | €1,728 | €8,195 | ▲ 374% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €40,259 | €49,785 | €45,592 | €11,299 | €29,966 | ▲ 165% |
| Equity10/15 | €27,898 | €30,450 | €18,957 | -€9,149 | -€7,357 | ▲ 19.6% |
| Contributions10/11 | - | €18,600 | €18,600 | €8,000 | €8,000 | = |
| Profit (loss) carried forward14 | €9,298 | €11,850 | €357 | -€17,149 | -€15,357 | ▲ 10.4% |
| Amounts payable17/49 | €12,361 | €19,335 | €26,635 | €20,448 | €37,323 | ▲ 82.5% |
| Amounts payable within one year42/48 | €12,361 | €19,335 | €26,635 | €20,448 | €37,323 | ▲ 82.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | €2,753 | - | - |
| Trade debts44 | €12,356 | €17,747 | €22,648 | €17,325 | €35,387 | ▲ 104% |
| Suppliers440/4 | - | €17,747 | €22,648 | €17,325 | €35,387 | ▲ 104% |
| Taxes, remuneration and social security45 | - | €616 | €3,987 | €48 | €1,936 | ▲ 3,972% |
| Taxes450/3 | - | €283 | €1,467 | €8 | €142 | ▲ 1,654% |
| Remuneration and social security454/9 | - | €332 | €2,521 | €39 | €1,795 | ▲ 4,447% |
| Other amounts payable47/48 | - | €972 | - | €323 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,875 | €2,552 | -€11,493 | -€17,506 | €1,792 | ▲ 110% |
| + Depreciation and write-downs630 | €265 | €494 | €494 | €229 | - | - |
| Operating cash flow (approximation) | €10,140 | €3,046 | -€10,999 | -€17,277 | €1,792 | ▲ 110% |
| Investment in fixed assets (approximation) | - | €0 | -€800 | - | - | - |
| Change in cash | - | €21,390 | -€27,522 | €1,061 | €6,467 | ▲ 510% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €1,792
Net result €1,792 after 2 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€17,506
Net result drops to -€17,506, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
01-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 32 days late
2021
20-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 51 days late
2020
31-12
Financial
Highest result since 2018net €9,875 ▲503%
Operating result €10,093, net result €9,875, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.16
Current ratio from 1.28 to 3.16; short-term debt falls from €64,136 to €12,361.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 16 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 acts for this company are 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, Mouscron · 1 establishment unit since 2011
Ground area
711 m²
Building footprint
32 m²
Volume, LiDAR
274 m³
Parcel 54435G0655/00T000, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NEW STOP
since 20112.195.298.258
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54435G0655/00T000 | Wallonia | 711 m² | 1 · 32 m² | 9.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMouscron/Moeskroen2.195.298.258
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,853. 4,106 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-01-2011
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0832838535
Also
9925:BE0832838535
Registered
01-05-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.