MALIJO
ActiveThe annual accounts of MALIJO for fiscal year 2025 show a net loss of 54% of total assets and of 85% of the equity at the start of that year. The 2025 annual accounts show equity of €3k and a net result of €-16k. Equity is shrinking by ~19.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 16% of 31662 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency34▼-39
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.85 against 1.92 in 2024; short-term debt: 82.2% and cash: 9.9% of total assets), and 90.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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 2025Solvency, return and age of the figures
Solvency
9.2%
Return on assets
-53.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 6 filingsDeviation from the deadline
2025
17 d late
2024
61 d late
2023
6 d early
2022
3 d early
2021
31 d late
2020
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 85.4%
2024 · €19k
2020: €11k
2021: €9k
2022: €8k
2023: €5k
2024: €19k
2020 → 2025
Total assets
€31k▼ 23.7%
2024 · €40k
2020: €17k
2021: €26k
2022: €19k
2023: €8k
2024: €40k
2020 → 2025
Net result
€-16k
2024 · €15k
2020: €5k
2021: €-2k
2022: €-1k
2023: €-3k
2024: €15k
2020 → 2025
Working capital
€-4k
2024 · €13k
2020: €11k
2021: €9k
2022: €6k
2023: €3k
2024: €13k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€8k▼ 14.3%€5k▼ 40.1%€19k▲ 321%€3k▼ 85.4%
Operating result€-2k-€-1k▲ 50.2%€-3k▼ 164%€20k€-16k
Net result€-2k-€-1k▲ 47.9%€-3k▼ 141%€15k€-16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €16k after €20k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€9k▼ 31.4%
Current assets
€21k▼ 19.8%
Equity and liabilities €31k
Equity
€3k▼ 85.4%
Debt
€28k▲ 33.1%
The debt ratio rises from 52.1% to 90.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-12k▼
2024 · €22k
Cash flow
€-12k▼
2024 · €17k
Solvency
9.2%▼
2024 · 47.9%
Current ratio
0.85▼
2024 · 1.92
Quick ratio
0.85▼
2024 · 1.92
Debt / equity
9.90▲
2024 · 1.09
ROE
-584.4%▼
2024 · 76.3%
ROA
-53.6%▼
2024 · 36.5%
Interest coverage
-15.68▼
2024 · 36.78
Debt
€28k▲
2024 · €21k
Debt ≤ 1 year
€25k▲
2024 · €14k
Debt > 1 year
€3k▼
2024 · €7k
Income taxes
€0▼
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€40k€31k▼
Fixed assets21/28€13k€9k▼
Tangible fixed assets22/27€13k€9k▼
Furniture and vehicles24€13k€9k▼
Current assets29/58€27k€21k▼
Amounts receivable within one year40/41€9k€18k▲
Trade receivables40€6k€17k▲
Other amounts receivable41€3k€1k▼
Cash at bank and in hand54/58€17k€3k▼
Deferred charges and accrued income490/1€93€95▲
Equity and liabilities
Total equity and liabilities10/49€40k€31k▼
Equity10/15€19k€3k▼
Contributions10/11€6k€6k=
Reserves13€13k€13k=
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€0€-16k▼
Amounts payable17/49€21k€28k▲
Amounts payable after more than one year17€7k€3k▼
Financial debts170/4€7k€3k▼
Amounts payable within one year42/48€14k€25k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€725€14k▲
Suppliers440/4€725€14k▲
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€9k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€883€640▼
Non-recurring operating charges66A€3k€0▼
Gross operating margin9900€26k€-11k▼
Operating profit (loss)9901€20k€-16k▼
Financial income75/76B-€293
Recurring financial income75-€293
Financial charges65/66B€603€750▲
Recurring financial charges65€603€750▲
Profit (loss) for the period before taxes9903€19k€-16k▼
Income taxes67/77€4k€0▼
Profit (loss) for the period9904€15k€-16k▼
Profit (loss) for the period to be appropriated9905€15k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-16k▼
Profit (loss) brought forward from the previous period14P€-6k€0▲
Transfer to equity691/2€8k€0▼
To other reserves6921€8k€0▼
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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Weakest financial yearnet €-16k ▼212%
Net result drops to €-16k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after 3 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 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, Tielt-Winge · 1 establishment unit since 2019
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.
Kaaskorf 193390 Tielt-WingeGround area
1,091 m²
Building footprint
65 m²
Volume, LiDAR
357 m³
Parcel 24044A0027/00P000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MALIJO
since 20192.285.234.579
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24044A0027/00P000 | Flanders | 1,091 m² | 1 · 65 m² | 7.1 m · 2 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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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 10,751 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-02-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.