Summary
MALLET is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €993,505 and a net result of €265,876. Its solvency ranks better than 28% of 5558 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2023, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 31 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#4 company by equity in Visé, Finance and insurance sector#5 company by total assets in Visé, Finance and insurance sector
Equity
€993,505▲ 36.5%
2024 · €727,629
Net result
€265,876▼ 55.5%
2024 · €597,629
Total assets
€3.7m▲ 4.0%
2024 · €3.5m
Solvency
27.1%▲ 6.5pp
2024 · 20.6%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€58,528-€39,858▼ 31.9%
Net result€597,629-€265,876▼ 55.5%
Equity€727,629-€993,505▲ 36.5%
Total assets€3.5m-€3.7m▲ 4.0%
Debt€2.8m-€2.7m▼ 4.4%
Working capital-€341,388--€341,862▼ 0.1%
Solvency20.6%-27.1%▲ 6.5pp
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.7m
Fixed assets
€3.3m ▲ 0.7%
Current assets
€366,907 ▲ 47.4%
Equity and liabilities €3.7m
Equity
€993,505 ▲ 36.5%
Debt
€2.7m ▼ 4.4%
Debt's share of the balance-sheet total falls from 79.4% to 72.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
26.8%▼
2024 · 82.1%
ROA
7.2%▼
2024 · 16.9%
Debt ≤ 1 year
€708,768▲
2024 · €590,287
Debt > 1 year
€1.9m▼
2024 · €2.2m
Income taxes
€10,111▲
2024 · €10,046
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,210 | €7,064 | ▲ 484% |
| Other operating charges640/8 | - | €518 | - |
| Gross operating margin9900 | €59,737 | €47,440 | ▼ 20.6% |
| Operating profit (loss)9901 | €58,528 | €39,858 | ▼ 31.9% |
| Financial income75/76B | €685,000 | €350,137 | ▼ 48.9% |
| Recurring financial income75 | €685,000 | €350,137 | ▼ 48.9% |
| Financial charges65/66B | €135,853 | €114,008 | ▼ 16.1% |
| Recurring financial charges65 | €135,853 | €114,008 | ▼ 16.1% |
| Profit (loss) for the period before taxes9903 | €607,674 | €275,987 | ▼ 54.6% |
| Income taxes67/77 | €10,046 | €10,111 | ▲ 0.7% |
| Profit (loss) for the period9904 | €597,629 | €265,876 | ▼ 55.5% |
| Profit (loss) for the period to be appropriated9905 | €597,629 | €265,876 | ▼ 55.5% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €3.5m | €3.7m | ▲ 4.0% |
| Fixed assets21/28 | €3.3m | €3.3m | ▲ 0.7% |
| Tangible fixed assets22/27 | €3,122 | €26,492 | ▲ 748% |
| Furniture and vehicles24 | €3,122 | €26,492 | ▲ 748% |
| Financial fixed assets28 | €3.3m | €3.3m | = |
| Current assets29/58 | €248,899 | €366,907 | ▲ 47.4% |
| Amounts receivable within one year40/41 | €36,300 | €19,104 | ▼ 47.4% |
| Trade receivables40 | €36,300 | €17,746 | ▼ 51.1% |
| Other amounts receivable41 | - | €1,358 | - |
| Cash at bank and in hand54/58 | €65,998 | €32,473 | ▼ 50.8% |
| Deferred charges and accrued income490/1 | €146,602 | €315,330 | ▲ 115% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €3.5m | €3.7m | ▲ 4.0% |
| Equity10/15 | €727,629 | €993,505 | ▲ 36.5% |
| Contributions10/11 | €130,000 | €130,000 | = |
| Reserves13 | €100,000 | €200,000 | ▲ 100% |
| Distributable reserves133 | €100,000 | €200,000 | ▲ 100% |
| Profit (loss) carried forward14 | €497,629 | €663,505 | ▲ 33.3% |
| Amounts payable17/49 | €2.8m | €2.7m | ▼ 4.4% |
| Amounts payable after more than one year17 | €2.2m | €1.9m | ▼ 12.1% |
| Financial debts170/4 | €2.2m | €1.9m | ▼ 12.1% |
| Amounts payable within one year42/48 | €590,287 | €708,768 | ▲ 20.1% |
| Current portion of amounts payable after more than one year42 | €413,288 | €414,721 | ▲ 0.3% |
| Trade debts44 | €4,460 | €5,978 | ▲ 34.1% |
| Suppliers440/4 | €4,460 | €5,978 | ▲ 34.1% |
| Taxes, remuneration and social security45 | €15,995 | €28,958 | ▲ 81.0% |
| Taxes450/3 | €15,995 | €28,958 | ▲ 81.0% |
| Other amounts payable47/48 | €156,544 | €259,111 | ▲ 65.5% |
| Accrued charges and deferred income492/3 | €58,996 | €76,770 | ▲ 30.1% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €597,629 | €265,876 | ▼ 55.5% |
| + Depreciation and write-downs630 | €1,210 | €7,064 | ▲ 484% |
| Operating cash flow (approximation) | €598,839 | €272,940 | ▼ 54.4% |
| Investment in fixed assets (approximation) | - | -€30,434 | - |
| Change in cash | - | -€33,525 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Visé · 1 establishment unit since 2023
Ground area
372 m²
Building footprint
65 m²
Volume, LiDAR
582 m³
Parcel 62108B0089/00X013, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MALLET
since 20232.352.970.174
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62108B0089/00X013 | Wallonia | 372 m² | 1 · 65 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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VELDCO
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GNCS
BE 0466.790.328
Mortsel · Eq €994,555
Of 24,729 companies in sector 64210 we hold annual accounts for 19,771. 12,683 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
73300Public relations and communication consultancy
Contact
E-mail
pierrehallet46@gmail.com
Phone
+32478759055
Scores and ratios are computed by Checked and are not a credit decision.