Malette
ActiveSummary
The computed 12-month bankruptcy probability of Malette is 2.0% (moderate). For Malette, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show negative equity (-€103,255) and a net result of -€2,254. Equity is shrinking by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 15214 sector peers (fiscal year 2023). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Wholesale of clothing, excluding workwear and underwear
NACE 46423
1 site
How big
€35,378total assets 2023
- Equity
- -€103,255
- Loss
- -€2,254
Turnover not published (abridged schema)
Financially healthy?
- Bankruptcy chance 12 m
- 2.0%
2023 figures too old to score
Who decides
- Largest shareholder
- FABIOLA · 50%
- Board
- 2 members
Accounts 427 d overdue1 of 2 deeds read
Signals- Annual accounts: weaker financial profile- Higher-failure-rate sector- Two or more financial years not filed- Filed more than 90 days lateShow the evidence
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability22▲+22
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk
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 2023Solvency, return and age of the figures
Solvency
-291.9%
Return on assets
-6.4%
Age of the figures
33 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 7 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline01-10-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 04-11-2024, 96 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
96 d late
2022
39 d early
2021
12 d early
2020
29 d early
2019
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 3 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
- Resignations: Vanermen Valérie (director) and Libeert…Appointments: FABIOLA (non-statutory director) and…
- Annual accounts filedfiscal year 2023 · micro…
- Annual accounts filedfiscal year 2022 · micro…
Financials
Fiscal year 2023Total assets €35,378Loss -€2,254Solvency -291.9%Liquidity 0.40
Total assets
€35,378▲ 184%
2018 - 2023
Net result
-€2,254▲ 82.6%
2018 - 2023
Equity
-€103,255▼ 2.2%
2018 - 2023
Solvency
-291.9%▲ 518.2pp
2018 - 2023
Financials · fiscal year 2023, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202120222023
Operating result€3,824-€4,108-€1,495▲ 63.6%-€10,843▼ 625%-€2,080▲ 80.8%
Net result€3,435-€4,129below the sector's middle half-€1,537within the sector's middle half▲ 62.8%-€12,919below the sector's middle half▼ 741%-€2,254within the sector's middle half▲ 82.6%
Equity-€82,416▲ 4.0%-€86,544below the sector's middle half▼ 5.0%-€88,081below the sector's middle half▼ 1.8%-€101,001below the sector's middle half▼ 14.7%-€103,255below the sector's middle half▼ 2.2%
Total assets€38,890▼ 4.9%€27,575below the sector's middle half▼ 29.1%€27,348below the sector's middle half▼ 0.8%€12,468below the sector's middle half▼ 54.4%€35,378below the sector's middle half▲ 184%
Debt€121,306▼ 4.3%€114,119▼ 5.9%€115,429▲ 1.1%€113,468▼ 1.7%€138,632▲ 22.2%
Working capital-€32,163▲ 3.6%-€36,664below the sector's middle half▼ 14.0%-€38,201below the sector's middle half▼ 4.2%-€51,121below the sector's middle half▼ 33.8%-€53,255below the sector's middle half▼ 4.2%
Solvency-211.9%▼ 2.0pp-313.9%below the sector's middle half▼ 101.9pp-322.1%below the sector's middle half▼ 8.2pp-810.1%below the sector's middle half▼ 488.0pp-291.9%below the sector's middle half▲ 518.2pp
Current ratio0.55=0.43below the sector's middle half▼ 0.120.42below the sector's middle half▼ 0.010.19below the sector's middle half▼ 0.220.40below the sector's middle half▲ 0.20
Return on assets (ROA)8.8%▲ 154.9pp-15.0%below the sector's middle half▼ 23.8pp-5.6%below the sector's middle half▲ 9.4pp-103.6%below the sector's middle half▼ 98.0pp-6.4%below the sector's middle half▲ 97.3pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale 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
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2,080 in 2023 against €10,843 in 2022; the loss shrinks.
Key figures and ratios
Key figures and ratios
Quick ratio
0.39▲
2022 · 0.19
Debt ≤ 1 year
€88,632▲
2022 · €63,468
Debt > 1 year
€50,000=
2022 · €50,000
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | €0 | €918 | €115 | ▼ 87.5% |
| Non-recurring operating charges66A | - | - | - | - | €0 | - |
| Gross operating margin9900 | €4,278 | -€3,652 | -€1,495 | -€9,925 | -€1,965 | ▲ 80.2% |
| Operating profit (loss)9901 | €3,824 | -€4,108 | -€1,495 | -€10,843 | -€2,080 | ▲ 80.8% |
| Financial income75/76B | - | - | €0 | - | - | - |
| Recurring financial income75 | €6 | €80 | €0 | - | - | - |
| Financial charges65/66B | - | - | €42 | €2,077 | €174 | ▼ 91.6% |
| Recurring financial charges65 | €170 | €100 | €42 | €79 | €174 | ▲ 120% |
| Non-recurring financial charges66B | - | - | - | €1,997 | - | - |
| Profit (loss) for the period before taxes9903 | €3,660 | -€4,129 | -€1,537 | -€12,919 | -€2,254 | ▲ 82.6% |
| Income taxes67/77 | €225 | €0 | - | - | - | - |
| Profit (loss) for the period9904 | €3,435 | -€4,129 | -€1,537 | -€12,919 | -€2,254 | ▲ 82.6% |
| Profit (loss) for the period to be appropriated9905 | €3,435 | -€4,129 | -€1,537 | -€12,919 | -€2,254 | ▲ 82.6% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €38,890 | €27,575 | €27,348 | €12,468 | €35,378 | ▲ 184% |
| Fixed assets21/28 | €120 | €120 | €120 | €120 | €0 | ▼ 100% |
| Financial fixed assets28 | €120 | €120 | €120 | €120 | €0 | ▼ 100% |
| Current assets29/58 | €38,770 | €27,455 | €27,228 | €12,348 | €35,378 | ▲ 187% |
| Stocks and contracts in progress3 | €11,577 | €9,512 | €9,512 | €0 | €636 | - |
| Stocks30/36 | - | - | €9,512 | €0 | - | - |
| Contracts in progress37 | - | - | - | - | €636 | - |
| Amounts receivable within one year40/41 | €7,963 | €2,495 | €1,373 | €0 | €709 | - |
| Trade receivables40 | - | - | €1,178 | €0 | €25 | - |
| Other amounts receivable41 | - | - | €195 | €0 | €683 | - |
| Cash at bank and in hand54/58 | €19,230 | €15,448 | €16,343 | €12,348 | €34,033 | ▲ 176% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €38,890 | €27,575 | €27,348 | €12,468 | €35,378 | ▲ 184% |
| Equity10/15 | -€82,416 | -€86,544 | -€88,081 | -€101,001 | -€103,255 | ▼ 2.2% |
| Contributions10/11 | €6,200 | - | €6,200 | €6,200 | €6,200 | = |
| Profit (loss) carried forward14 | -€88,616 | -€92,744 | -€94,281 | -€107,201 | -€109,455 | ▼ 2.1% |
| Amounts payable17/49 | €121,306 | €114,119 | €115,429 | €113,468 | €138,632 | ▲ 22.2% |
| Amounts payable after more than one year17 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Financial debts170/4 | - | - | €50,000 | €50,000 | €50,000 | = |
| Amounts payable within one year42/48 | €70,932 | €64,119 | €65,429 | €63,468 | €88,632 | ▲ 39.6% |
| Current portion of amounts payable after more than one year42 | - | - | €50,000 | €50,000 | €50,000 | = |
| Trade debts44 | €16,047 | €10,776 | €11,910 | €0 | €165 | - |
| Suppliers440/4 | - | - | €11,910 | €0 | €165 | - |
| Taxes, remuneration and social security45 | - | - | - | €1,666 | €0 | ▼ 100% |
| Taxes450/3 | - | - | - | €1,666 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | - | €3,519 | €11,802 | €38,467 | ▲ 226% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,435 | -€4,129 | -€1,537 | -€12,919 | -€2,254 | ▲ 82.6% |
| Operating cash flow (approximation) | €3,435 | -€4,129 | -€1,537 | -€12,919 | -€2,254 | ▲ 82.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €120 | - |
| Change in cash | - | -€3,783 | €896 | -€3,996 | €21,685 | ▲ 643% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector and region
FAB DELUXE
BE 0812.272.951
Sint-Martens-Latem
KONGA
BE 0430.100.275
Sint-Martens-Latem
L-SHOP-TEAM Belgium
BE 0430.893.596
Sint-Martens-Latem
Studio Jixy
BE 0800.559.707
Sint-Martens-Latem
A.S.A.
BE 0422.880.111
Zele
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,306 companies in this sector we hold annual accounts for 810. See the whole sector
Board & ownership
2 directors
Directors
Directors
2 directors, last change in 2026
Board 2
FABIOLA
CurrentNon-statutory director · since 01-09-2026 · Legal entity · perm. rep.: Declercq, Guido
Milhouse
CurrentNon-statutory director · since 01-09-2026 · Legal entity · perm. rep.: Van Waes, Piet
Permanent representatives 2
Declercq, Guido
CurrentPermanent representative · since 01-09-2026 · for FABIOLA
Van Waes, Piet
CurrentPermanent representative · since 01-09-2026 · for Milhouse
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
1 of this company's 2 Belgian State Gazette acts has not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Mandate history
4 people since 2026, 2 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| FABIOLA |
|
| Milhouse |
|
| Libeert Marie |
|
| Vanermen Valérie |
|
Structure & network
Owners and holdings
2 ownersOwners 2
-
50%
-
50%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
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Capital and shareholders
Capital over the years
- 01-09-2026 Converted to unavailable equity
- 01-09-2026 Converted to uncalled contributions
Timeline
9 eventsLatest 01-09-2026
History
Acts, filings and financial milestones
2026
01-09
State Gazette act
Resignations: Vanermen Valérie (director) and Libeert Marie (director)Appointments: FABIOLA (non-statutory director) and Milhouse (non-statutory director) · Permanent representatives: Declercq, Guido and Van Waes, Piet · Legal-form conversion18 facts ▸
State Gazette act
Resignations: Vanermen Valérie (director) and Libeert Marie (director)
Appointments: FABIOLA (non-statutory director) and Milhouse (non-statutory director) · Permanent representatives: Declercq, Guido and Van Waes, Piet · Legal-form conversion18 facts ▸
- General meeting, 19-08-2026
- Legal-form conversion, besloten vennootschap
- Statutes amendment
- Director in office, Vanermen Valérie (director)
- Director in office, Libeert Marie (director)
- Capital conversion, statutair onbeschikbare eigen vermogensrekening
- Capital conversion, eigen vermogensrekening niet-opgevraagde inbrengen
- Reserve release, statutair onbeschikbare eigen vermogensrekening, opheffen
- Director resignation, Vanermen Valérie (director)
- Director resignation, Libeert Marie (director)
- Director appointment, FABIOLA (non-statutory director)
- Permanent representative, Declercq, Guido (permanent representative)
- +6 further facts in this act
2024
04-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 96 days late
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €3,435
Net result €3,435 after one loss-making year.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company · founded 25-08-2016Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded25-08-2016
Fiscal year end31-12
Activities, NACEBEL 2025
46423Wholesale of clothing, excluding workwear and underwear
46190Agents in non-specialised wholesale trade
46424Wholesale trade
46498Wholesale trade
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
E-invoicing
Reachable via Peppol
Peppol ID
0208:0661696782
Also
9925:BE0661696782
Registered
20-09-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- A. het bevorderen van de oprichting van vennootschappen door inbreng, participaties of investering; B. het beheer van een onroerend vermogen en de huurfinanciering van onroerende…
9 activities
- A. het bevorderen van de oprichting van vennootschappen door inbreng, participaties of investering
- B. het beheer van een onroerend vermogen en de huurfinanciering van onroerende goederen aan derden, het aankopen, verkopen, ruilen, bouwen, verbouwen, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de onroerende goederen te bevorderen, alsmede zich borg stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze onroerende goederen
- C. het toestaan van leningen en kredietopeningen aan vennootschappen of particulieren, onder om het even welke vorm, in dit kader kan zij zich ook borg stellen of haar aval verlenen, in de meest ruime zin, alle handels- en financiële operaties verrichten behalve die wettelijk voorbehouden zijn aan depositobanken, houders van deposito's op korte termijn, spaarkassen, hypotheekmaatschappijen en kapitalisatieondernemingen
- D. het verlenen van adviezen van financiële, technische, commerciële of administratieve aard; in de ruimste zin, ter uitzondering van adviesverschaffing inzake beleggingen en geldplaatsingen; bijstand en diensten verlenen, rechtstreeks of onrechtstreeks op het vlak van administratie en financiën, verkoop, productie en algemeen bestuur
- E. het waarnemen van alle bestuursopdrachten, het uitoefenen van opdrachten en functies in andere ondernemingen of vennootschappen
- F. het ontwikkelen, kopen, verkopen, in licentie nemen of geven van octrooien, know-how en aanverwante immateriële duurzame activa
- G. het verlenen van administratieve prestaties en computerservices voor rekening van derden, het bijhouden en opvolgen van boekhoudingen alsmede het verlenen van adviezen hieromtrent
- H. de aan- en verkoop, in- en uitvoer, commissiehandel en vertegenwoordiging van om het even welke goederen, in 't kort tussenpersoon in de handel
- I. het onderzoek, de ontwikkeling, de vervaardiging of commercialisering van nieuwe producten, nieuwe technologieën en hun toepassingen
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Legal form clauseThe legal form, such as BV, NV or CV, which decides which company-law rules apply.
- Malette
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- Vlaamse Gewest, bestuursorgaan bevoegd zetel binnen België te verplaatsen; statutenwijziging vereist indien verplaatsing naar ander gewest9830 Sint-Martens-Latem, Kortrijksesteenweg, 48, bus 5
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- Algemene vergadering bepaalt aantal, duur en bevoegdheid, één of meer bestuurders, natuurlijke personen of rechtspersonenArtikel 12. Bevoegdheden van het bestuursorgaanElke bestuurder kan volmacht geven aan een collega, door alle bestuurdersArtikel 13. Dagelijks bestuur3 more provisions on this in the deed
- Power of attorneyA special mandate allowing someone to perform one or more acts on the company's behalf.
- One provision in the deed
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- Vrij overdragen
- Share issue ruleHow and by whom new shares can be issued.
- Authentieke akte, statutenwijziging
- Profit allocationHow profit is distributed; a BV may only pay out after a balance-sheet and liquidity test.
- Artikel 27. Bestemming van de winst
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Saturday of June at 10:00
- Meeting noticeHow and how far ahead shareholders are invited to a meeting; by law at least fifteen days.
- One provision in the deed
- Meeting accessWho may attend the meeting and what is needed to be admitted.
- Artikel 18. Toegang tot de algemene vergadering2 more provisions on this in the deed
- Proxy ruleWhether a shareholder may be represented at the meeting by someone else.
- Artikel 19. Volmachten1 more provision on this in the deed
- Voting ruleWhich majority the meeting decides by, for example a simple or a special majority.
- Artikel 21. Stemrecht
Other provisionsOther rules from the articles that fall under none of the themes above.
Sites & property
Location & real-estate footprint
Registered office, Sint-Martens-Latem · 1 establishment unit since 2016
Ground area
7,685 m²
Building footprint
1,661 m²
Volume, LiDAR
4,739 m³
2 parcels, Flanders · tallest building 13.4 m, ±3 floors. Linked by address, not a title deed.
92
companies at this address
See who is registered here
1 establishment unit
Marvais
since 2016unit no. 2.256.302.944
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0246/00F000 | Flanders | 7,043 m² | 1 · 1,509 m² | 13.4 m · 1 fl. |
| 34022E0141/00D004 | Flanders | 642 m² | 1 · 152 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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