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MAGALY

Active
Private limited companyfounded 199135 yrs activede Vrièrestraat 69, 1020 Brussel, BelgiumKBO/BCE: BE 0443.126.979
Summary

MAGALY has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,890 and a net result of -€4,420. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 41% of 21938 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).

Risk analysisWatch ReportCompare
MAGALYActiveChecked score 62/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of clothing and accessories for women, men, children and babies (general range)
NACE 47716Retail sale of women's outerwear NACE 47711NACE 52421
1 site
Size
€41,494total assets 2025
Equity
€9,890
Loss
-€4,420
Turnover not published (abridged schema)
Financial health
62 Healthy Checked score 2025
Bankruptcy chance 12 m
1.5%
Structure
Accounts 11 d early0 of 1 deed read
Why 62- Sector Retail trade (NACE 47)- Loss of €4,420, the second in a row (FY 2025)- 2 of the last 3 late+ Size: total assets €41,494Show the evidence

Checked score

Score 2025
62 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 21% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 49-8
equity 23.8% of total assets
Liquidity 15-15
short-term debt 76.2% · cash 4.9%
Profitability 5=
return on assets -10.7%
Bankruptcy probability, 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (39,974 companies)
Last 24 months 11-2024: 0.9% 12-2024: 0.9%● 0.0% vs 11-2024 01-2025: 0.9%▼ -1.7% vs 12-2024 02-2025: 0.9%● 0.0% vs 01-2025 03-2025: 0.9%▲ +2.0% vs 02-2025 04-2025: 0.9%▼ -0.6% vs 03-2025 05-2025: 0.9%▼ -1.0% vs 04-2025 06-2025: 0.9%▼ -2.9% vs 05-2025lowest value 07-2025: 0.9%▲ +6.5% vs 06-2025 08-2025: 1.1%▲ +22.1% vs 07-2025 09-2025: 1.1%▼ -3.6% vs 08-2025 10-2025: 1.2%▲ +8.6% vs 09-2025 11-2025: 1.2%● 0.0% vs 10-2025 12-2025: 1.2%● 0.0% vs 11-2025 01-2026: 1.1%▼ -1.6% vs 12-2025 02-2026: 1.1%● 0.0% vs 01-2026 03-2026: 1.1%▼ -0.8% vs 02-2026 04-2026: 1.1%▲ +0.4% vs 03-2026 05-2026: 1.2%▲ +0.6% vs 04-2026 06-2026: 1.1%▼ -3.5% vs 05-2026 07-2026: 1.2%▲ +6.9% vs 06-2026 08-2026: 1.5%▲ +23.8% vs 07-2026highest value 09-2026: 1.5%● 0.0% vs 08-2026highest value 10-2026: 1.5%● 0.0% vs 09-2026highest value
  • Sector Retail trade (NACE 47) raises the probability
  • Loss of €4,420, the second in a row (FY 2025) raises the probability
  • Size: total assets €41,494 lowers the probability for this profile
  • 2 of the last 3 late raises the probability
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.45 in 2024; short-term debt: 76.2% and cash: 4.9% of total assets), and 76.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 39%, liquidity 14%, profitability 15%, growth against the median 15%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Loss of €4,420, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €41,494
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€4,420
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
11 d early
2024
61 d late
2023
68 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 30 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 31 August (4 of the last 5 filed years within 38 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Weakest financial yearnet -€4,803

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2025 -€4,420 View
  • Active since 1991founded 22-01-1991 35 years View
  • Total assets 20256 fiscal years filed €41,494 View

By topic

Financials

Fiscal year
2025
Total assets
€41,494
Loss
-€4,420
Solvency
23.8%
Total assets▼ 6.1%
Net result
20182025
Go to Financials

Timeline

Events
11
Since
2017
Next accounts
by 31-07-2027
  1. 20-07-2026Annual accounts filed
  2. 30-09-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of clothing and accessories for women…NACE 47716
Founded
22-01-1991
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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