Checked.be
Active
BE 0827.848.379Private limited company
MALLY CONSTRUCT & DESIGN
Kappetragel 1 ·9052 Gent, Belgium· 16 yrs active
Sector: Renting and operating of own or leased residential real estate, excluding social housing
(68201)
Conclusion
MALLY CONSTRUCT & DESIGN has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €214. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 26% of 8920 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €101k |
| Net result | €214 |
| Better than sector | 26% |
| Active | 16 yrs |
Financial profile
49
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
61
Profitability
1
Solvency
30
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2010, 16 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
61
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€6k
estimate, not credit advice
Score history
70
2020
68
2021
68
2022
56
2023
76
2024
61
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.63 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.18 (≥ 1.0)
+5
Leverage
Debt/equity 11.64 (> 3.0)
-10
Profitability
ROE 0%
+3
Interest coverage
Interest coverage 2.0×
+3
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
At this pace, net result would indicatively turn negative around fiscal year 2027, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 7.9% | 31.5% | |
| Net result | €214 | €11k | |
| Equity | €101k | €330k | |
| Gross operating margin | €27k | €93k | |
| Employees (FTE) | 0.0 | 0.0 |
€26k
-59.1%
20-25
€214
-98.9%
20-25
€12k
-69.9%
20-25
€1.28M
+34.9%
20-25
€101k
+0.2%
20-25
€419k
+1124.7%
20-25
0
-
20-25
€1k
-85.7%
20-25
€1.18M
+39.1%
20-25
€664k
-6.0%
20-25
€512k
+267.9%
20-25
1.63
+55.6%
20-25
1.18
+13.0%
20-25
7.9%
-25.7%
20-25
11.64
+38.8%
20-25
0.2%
-98.9%
20-25
0.0%
-99.2%
20-25
2.05
-54.1%
20-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €26k | €62k | €20k | €28k | €36k |
| Net profit | €214 | €20k | €170 | €20k | €24k |
| Cash flow | €12k | €40k | €9k | €23k | €25k |
| Staff costs | - | - | - | - | - |
| Income taxes | €1k | €8k | €1k | - | €10k |
| Dividends | - | - | - | - | - |
| Total assets | €1.28M | €946k | €794k | €823k | €510k |
| Equity | €101k | €101k | €81k | €81k | €61k |
| Debt | €1.18M | €845k | €713k | €742k | €449k |
| of which ≤ 1y | €664k | €706k | €615k | €636k | €447k |
| of which > 1y | €512k | €139k | €96k | €106k | - |
| Working capital | €419k | €34k | €41k | €75k | €56k |
| Employees (FTE) | 0.0 | 0.0 | 0.0 | - | - |
Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, micro schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 1.63 | 1.05 | 1.07 | 1.12 | 1.13 |
| Quick ratio | 1.18 | 1.05 | 1.07 | 1.12 | 1.13 |
| Working capital ratio | 32.8% | 3.6% | 5.1% | 9.1% | 11.1% |
| Solvency | 7.9% | 10.7% | 10.2% | 9.8% | 11.9% |
| Debt / equity | 11.64 | 8.39 | 8.79 | 9.17 | 7.38 |
| Long-term debt ratio | 5.06 | 1.38 | 1.19 | 1.31 | - |
| Interest coverage | 2.05 | 4.47 | 2.02 | 4.46 | 17.11 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 0.0% | 2.1% | 0.0% | 2.4% | 4.7% |
| ROE | 0.2% | 19.5% | 0.2% | 24.8% | 39.6% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €1.28M | €946k | €794k | €823k | €510k |
| Fixed assets | 21/28 | €194k | €206k | €138k | €113k | €6k |
| Intangible fixed assets | 21 | €1k | €1k | €1k | - | - |
| Tangible fixed assets | 22/27 | €193k | €204k | €137k | €113k | €6k |
| Current assets | 29/58 | €1.08M | €740k | €656k | €711k | €503k |
| Stocks & contracts in progress | 3 | €296k | - | - | - | - |
| Amounts receivable within one year | 40/41 | €771k | €733k | €622k | €692k | €501k |
| Cash & bank | 54/58 | €15k | €6k | €8k | €18k | €2k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.28M | €946k | €794k | €823k | €510k |
| Equity | 10/15 | €101k | €101k | €81k | €81k | €61k |
| Contributions / capital | 10/11 | €6k | €6k | €6k | €6k | €6k |
| Reserves | 13 | €95k | €95k | €75k | €75k | €55k |
| Amounts payable | 17/49 | €1.18M | €845k | €713k | €742k | €449k |
| Amounts payable after one year | 17 | €512k | €139k | €96k | €106k | - |
| Amounts payable within one year | 42/48 | €664k | €706k | €615k | €636k | €447k |
| Trade debts payable within one year | 44 | €93k | €218k | €180k | €181k | €152k |
| Income statement | ||||||
| Gross operating margin | 9900 | €27k | €68k | €21k | €29k | €37k |
| Operating result | 9901 | €14k | €42k | €11k | €26k | €35k |
| Financial income | 75 | €222 | €216 | €35 | €820 | €951 |
| Financial charges | 65 | €12k | €14k | €10k | €6k | €2k |
| Result before taxes | 9903 | €1k | €28k | €1k | €20k | €34k |
| Income taxes | 67/77 | €1k | €8k | €1k | - | €10k |
| Net result for the period | 9904 | €214 | €20k | €170 | €20k | €24k |
| Result to be appropriated | 9905 | €214 | €20k | €170 | €20k | €24k |
Legal Structure
| NACE primary | Renting and operating of own or leased residential real estate, excluding social housing(68201) |
| Legal form | Private limited company(610) |
| Incorporation | 15-07-2010 |
| Status | Active |
| Postal code | 9052 |
Establishment units
Mally Consult
since 20102.191.928.794
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44082B0001/02G000 | Flanders | 5,662 m² | 1 · 281 m² | 10.8 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
21-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 82 days late
2024
31-12
Financial
Equity above €100kEq €101k ▲24.3%
5 profitable years in a row build equity to €101k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €170 ▼99.2%
Net result drops to €170, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 121 days late
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Renting and operating of own or leased residential real estate, excluding social housing68201Agents in non-specialised wholesale trade46190Holdings64200Activities of holding companies64210Buying and selling of own real estate68110Other business support services82990
Names & trade names
| Legal nameNL | MALLY CONSTRUCT & DESIGN |
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