MaliConsulting
ActiveMaliConsulting has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €474k and a net result of €141k. Equity is growing by ~49.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 7.1 against 3.9 in 2023; short-term debt: 13.5% and cash: 19.5% of total assets), and 13.5% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
86.5%
Return on assets
25.8%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-08-2025, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
20 d late
2023
6 d early
2022
3 d early
2021
23 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€474k▲ 42.6%
2023 · €332k
2021: €90k
2022: €198k
2023: €332k
2021 → 2024
Total assets
€548k▲ 23.8%
2023 · €442k
2021: €130k
2022: €287k
2023: €442k
2021 → 2024
Net result
€141k▲ 5.8%
2023 · €134k
2021: €83k
2022: €108k
2023: €134k
2021 → 2024
Working capital
€452k▲ 41.1%
2023 · €320k
2021: €88k
2022: €197k
2023: €320k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€90k-€198k▲ 120%€332k▲ 67.4%€474k▲ 42.6%
Operating result€115k-€152k▲ 32.3%€190k▲ 25.4%€189k▼ 0.8%
Net result€83k-€108k▲ 30.3%€134k▲ 23.5%€141k▲ 5.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €548k
Fixed assets
€22k▲ 81.7%
Current assets
€526k▲ 22.2%
Equity and liabilities €548k
Equity
€474k▲ 42.6%
Debt
€74k▼ 32.9%
The debt ratio falls from 24.9% to 13.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€192k▲
2023 · €191k
Cash flow
€145k▲
2023 · €135k
Solvency
86.5%▲
2023 · 75.1%
Current ratio
7.10▲
2023 · 3.90
Quick ratio
7.10▲
2023 · 3.90
Debt / equity
0.16▼
2023 · 0.33
ROE
29.9%▼
2023 · 40.3%
ROA
25.8%▼
2023 · 30.2%
Interest coverage
1136.89▲
2023 · 140.86
Debt
€74k▼
2023 · €110k
Debt ≤ 1 year
€74k▼
2023 · €110k
Income taxes
€60k▲
2023 · €56k
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€442k€548k▲
Fixed assets21/28€12k€22k▲
Tangible fixed assets22/27€12k€22k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€10k€21k▲
Current assets29/58€430k€526k▲
Amounts receivable within one year40/41€18k€126k▲
Trade receivables40€18k€18k▲
Other amounts receivable41-€107k
Current investments50/53€241k€292k▲
Cash at bank and in hand54/58€160k€107k▼
Deferred charges and accrued income490/1€10k€788▼
Equity and liabilities
Total equity and liabilities10/49€442k€548k▲
Equity10/15€332k€474k▲
Contributions10/11€7k€7k=
Reserves13€325k€467k▲
Distributable reserves133€325k€467k▲
Amounts payable17/49€110k€74k▼
Amounts payable within one year42/48€110k€74k▼
Trade debts44€51k€60k▲
Suppliers440/4€51k€60k▲
Taxes, remuneration and social security45€55k€14k▼
Taxes450/3€55k€14k▼
Other amounts payable47/48€4k€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€4k▲
Other operating charges640/8€2k€6k▲
Gross operating margin9900€193k€198k▲
Operating profit (loss)9901€190k€189k▼
Financial income75/76B€1k€13k▲
Recurring financial income75€1k€13k▲
Financial charges65/66B€1k€169▼
Recurring financial charges65€1k€169▼
Profit (loss) for the period before taxes9903€190k€201k▲
Income taxes67/77€56k€60k▲
Profit (loss) for the period9904€134k€141k▲
Profit (loss) for the period to be appropriated9905€134k€141k▲
Appropriation of the result
Profit (loss) to be appropriated9906€134k€141k▲
Transfer to equity691/2€134k€141k▲
To other reserves6921€134k€141k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Highest result since 2021net €141k ▲5.8%
Net result €141k, the highest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €332k ▲67.4%
3 profitable years in a row build equity to €332k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €198k ▲120%
2 profitable years in a row build equity to €198k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 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, Tienen · 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.
Leopoldvest 133300 TienenGround area
355 m²
Building footprint
83 m²
Volume, LiDAR
695 m³
Parcel 24593H0209/00M006, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MaliConsulting
since 20202.298.370.854
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24593H0209/00M006 | Flanders | 355 m² | 1 · 83 m² | 11.8 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 5,399 EUR awarded · 5,399 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 5,399 EUR | 5,399 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
875500CZ2QCRRGBRLI77
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 35,114 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.