MALCORPS Kristel
ActiveMALCORPS Kristel has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €56k and a net result of €23k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 15369 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
100
/ 100
Excellent▲ +9 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+15
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 5.02 against 1.83 in 2023), and 21.2% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
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 28-07-2025, 3 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
1 d early
2022
29 d late
2021
17 d early
2020
24 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€56k▲ 65.3%
2023 · €34k
2020: €34k
2021: €42k
2022: €45k
2023: €34k
2020 → 2024
Total assets
€71k▼ 7.5%
2023 · €77k
2020: €73k
2021: €62k
2022: €63k
2023: €77k
2020 → 2024
Net result
€23k▲ 90.7%
2023 · €12k
2020: €34k
2021: €9k
2022: €5k
2023: €12k
2020 → 2024
Working capital
€55k▲ 58.4%
2023 · €35k
2020: €35k
2021: €43k
2022: €46k
2023: €35k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€34k-€42k▲ 22.9%€45k▲ 9.4%€34k▼ 25.2%€56k▲ 65.3%
Operating result€41k-€12k▼ 70.0%€7k▼ 40.5%€17k▲ 124%€30k▲ 82.1%
Net result€34k-€9k▼ 75.0%€5k▼ 44.6%€12k▲ 156%€23k▲ 90.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 82% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €71k
Fixed assets
€3k▲ 227%
Current assets
€68k▼ 10.2%
Equity and liabilities €71k
Equity
€56k▲ 65.3%
Debt
€15k▼ 64.9%
The debt ratio falls from 55.9% to 21.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€31k▲
2023 · €17k
Cash flow
€24k▲
2023 · €13k
Solvency
78.8%▲
2023 · 44.1%
Current ratio
5.02▲
2023 · 1.83
Quick ratio
5.02▲
2023 · 1.83
Debt / equity
0.27▼
2023 · 1.27
ROE
41.0%▲
2023 · 35.5%
ROA
32.3%▲
2023 · 15.7%
Interest coverage
46.46▲
2023 · 22.65
Debt
€15k▼
2023 · €43k
Debt ≤ 1 year
€14k▼
2023 · €42k
Income taxes
€6k▲
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€77k€71k▼
Fixed assets21/28€871€3k▲
Tangible fixed assets22/27€871€3k▲
Furniture and vehicles24€871€3k▲
Current assets29/58€76k€68k▼
Amounts receivable within one year40/41€0-
Trade receivables40€0-
Cash at bank and in hand54/58€75k€67k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€77k€71k▼
Equity10/15€34k€56k▲
Contributions10/11€6k€6k=
Reserves13€28k€50k▲
Distributable reserves133€28k€50k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€43k€15k▼
Amounts payable within one year42/48€42k€14k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€20k€11k▼
Taxes450/3€20k€11k▼
Other amounts payable47/48€20k€1k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€509€820▲
Other operating charges640/8€832€816▼
Non-recurring operating charges66A€0-
Gross operating margin9900€18k€32k▲
Operating profit (loss)9901€17k€30k▲
Financial charges65/66B€752€665▼
Recurring financial charges65€752€665▼
Profit (loss) for the period before taxes9903€16k€29k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€12k€23k▲
Profit (loss) for the period to be appropriated9905€12k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€23k▲
Transfer from equity791/2€11k€0▼
Transfer to equity691/2€0€22k▲
To other reserves6921€0€22k▲
Profit to be distributed694/7€24k€833▼
Return on contributions (dividend)694€24k€833▼
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
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 5.02
Current ratio from 1.83 to 5.02; short-term debt falls from €42k to €14k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €5k ▼44.6%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
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, Tongeren-Borgloon · 1 establishment unit since 2020
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.
Riddersstraat 18-203700 Tongeren-BorgloonGround area
145 m²
Building footprint
91 m²
Volume, LiDAR
710 m³
Parcel 73083C1052/00M000, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MALCORPS kristel
since 20202.301.245.321
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73083C1052/00M000 | Flanders | 145 m² | 1 · 91 m² | 9.8 m · 3 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.
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NOMIKOS
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FELIMAX
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DIRK DAMS
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Of 1,019 companies in sector 69103 we hold annual accounts for 610. 391 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-04-2020
Fiscal year end31-12
Activities, NACEBEL
69103Activities of bailiffs
70200Business and other management consultancy
70220Business consulting
73200Market research and public opinion polling
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.