MALBRANCKE
ActiveMALBRANCKE has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €262k and a net result of €16k. Equity is growing by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 65% of 4537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
87
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▲+16
Solvency91▼-5
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 6.41 against 4.18 in 2024), but 53.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
46.1%
Return on assets
2.8%
Age of the figures
17 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 15-06-2026, 227 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
227 d late
2024
30 d late
2023
30 d late
2022
30 d late
2019
30 d late
2016
on the day
2015
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€262k▲ 6.5%
2024 · €246k
2019: €247k
2022: €233k
2023: €239k
2024: €246k
2019 → 2025
Total assets
€568k▲ 22.3%
2024 · €465k
2019: €434k
2022: €417k
2023: €452k
2024: €465k
2019 → 2025
Net result
€16k▲ 118%
2024 · €7k
2019: €-26k
2022: €14k
2023: €5k
2024: €7k
2019 → 2025
Working capital
€461k▲ 37.0%
2024 · €337k
2019: €300k
2022: €293k
2023: €316k
2024: €337k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192022202320242025Trend
Equity€247k-€233k▼ 5.4%€239k▲ 2.3%€246k▲ 3.1%€262k▲ 6.5%
Operating result€-14k-€19k€9k▼ 50.8%€9k▼ 1.7%€18k▲ 105%
Net result€-26k-€14k€5k▼ 62.1%€7k▲ 34.4%€16k▲ 118%
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 105% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €568k
Fixed assets
€22k▼ 2.6%
Current assets
€547k▲ 23.5%
Equity and liabilities €568k
Equity
€262k▲ 6.5%
Debt
€306k▲ 40.0%
The debt ratio rises from 47.1% to 53.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€19k▲
2024 · €10k
Cash flow
€17k▲
2024 · €8k
Solvency
46.1%▼
2024 · 52.9%
Current ratio
6.41▲
2024 · 4.18
Quick ratio
6.41▲
2024 · 4.18
Debt / equity
1.17▲
2024 · 0.89
ROE
6.1%▲
2024 · 3.0%
ROA
2.8%▲
2024 · 1.6%
Interest coverage
5.74▲
2024 · 4.34
Debt
€306k▲
2024 · €219k
Debt ≤ 1 year
€85k▼
2024 · €106k
Debt > 1 year
€2k=
2024 · €2k
Staff costs
€50k▼
2024 · €52k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€465k€568k▲
Fixed assets21/28€22k€22k▼
Tangible fixed assets22/27€11k€11k▼
Land and buildings22€555€201▼
Furniture and vehicles24€11k€11k▼
Financial fixed assets28€11k€11k=
Current assets29/58€443k€547k▲
Stocks and contracts in progress3€400€400=
Stocks30/36€400€400=
Amounts receivable within one year40/41€422k€543k▲
Trade receivables40€62k€90k▲
Other amounts receivable41€360k€453k▲
Cash at bank and in hand54/58€20k€2k▼
Deferred charges and accrued income490/1€343€343=
Equity and liabilities
Total equity and liabilities10/49€465k€568k▲
Equity10/15€246k€262k▲
Contributions10/11€20k€20k=
Reserves13€254k€270k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€252k€268k▲
Profit (loss) carried forward14€-28k€-28k=
Amounts payable17/49€219k€306k▲
Amounts payable after more than one year17€2k€2k=
Financial debts170/4€2k€2k=
Amounts payable within one year42/48€106k€85k▼
Financial debts43€5k€10k▲
Credit institutions430/8€5k€10k▲
Trade debts44€58k€11k▼
Suppliers440/4€58k€11k▼
Taxes, remuneration and social security45€38k€46k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€37k€44k▲
Other amounts payable47/48€5k€19k▲
Accrued charges and deferred income492/3€110k€218k▲
Income statement
Code20242025
Remuneration, social security and pensions62€52k€50k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€577€577=
Other operating charges640/8€2k€364▼
Gross operating margin9900€63k€69k▲
Operating profit (loss)9901€9k€18k▲
Financial income75/76B€591€979▲
Recurring financial income75€591€979▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€7k€16k▲
Profit (loss) for the period9904€7k€16k▲
Profit (loss) for the period to be appropriated9905€7k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-12k▲
Profit (loss) brought forward from the previous period14P€-28k€-28k=
Transfer to equity691/2€7k€16k▲
To other reserves6921€7k€16k▲
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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 227 days late
2025
31-03
Financial
Highest result since 2019net €16k ▲118%
Net result €16k, the highest in the series.
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
31-03
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
2019
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
30-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2014
29-10
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
2012
26-11
NBB filing
Annual accounts filed
fiscal year 2012 · abbreviated schema · 26 days late
2011
14-12
NBB filing
Annual accounts filed
fiscal year 2011 · abbreviated schema · 44 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gent · 1 establishment unit since 1990
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.
De Pintelaan 2869000 GentGround area
3,413 m²
Building footprint
312 m²
Volume, LiDAR
1,493 m³
2 parcels, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Pintelaan 262, 9000 Gent
since 19902.049.532.497
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0735/00B000 | Flanders | 2,624 m² | 1 · 187 m² | 4.7 m · 1 fl. |
| 44809I0532/00T000 | Flanders | 789 m² | 1 · 125 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 898 companies in sector 96301 we hold annual accounts for 609. 531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-1990
Fiscal year end31-03
Activities, NACEBEL
93031
96301Funeral services
47713Retail trade
47715Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
52421
52424
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.