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MALMA

Active
Private limited companyfounded 20233 yrs activePietje Waasstraat 15, 2070 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 0803.545.624
Summary

The computed 12-month bankruptcy probability of MALMA is 9.6% (elevated). The 2025 annual accounts show equity of €83,076 and a net result of €45,911. Its solvency ranks better than 77% of 33943 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
MALMAActiveChecked score 36/100
Risk analysis ReportCompare

Overview

Activity
Other specialised construction activities
NACE 43990NACE 43999
1 site
Size
€115,098total assets 2025
Equity
€83,076
Profit
€45,911
Turnover not published (abridged schema)
Financial health
36 Weak Checked score 2025
Bankruptcy chance 12 m
9.6%
Structure
Accounts filed 61 d late2 of 3 deeds read
Why 36- 2 changes of registered office in 24 months- Founded in 2023- Latest accounts 61 days late; 2 of the last 3 late- Size: total assets €115,098Show the evidence

Checked score

Score 2025
36 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 73% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 97+5
equity 72.2% of total assets
Liquidity 41-17
short-term debt 27.8% · cash 1.7%
Profitability 100=
return on assets 39.9%
Bankruptcy probability, 12 months
9.6% Elevated
0%0.5%1.5%4%10%≥ 25%

About 1 in 10 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,515 companies)
Last 24 months 11-2024: 2.4% 12-2024: 2.7%▲ +12.0% vs 11-2024 01-2025: 2.7%● 0.0% vs 12-2024 02-2025: 3.0%▲ +10.3% vs 01-2025 03-2025: 3.0%▲ +1.8% vs 02-2025 04-2025: 2.9%▼ -4.2% vs 03-2025 05-2025: 3.0%▲ +1.3% vs 04-2025 06-2025: 3.3%▲ +11.7% vs 05-2025 07-2025: 3.3%● 0.0% vs 06-2025 08-2025: 3.3%▲ +1.1% vs 07-2025 09-2025: 3.3%● 0.0% vs 08-2025 10-2025: 1.9%▼ -44.0% vs 09-2025 11-2025: 1.9%● 0.0% vs 10-2025 12-2025: 1.9%● 0.0% vs 11-2025 01-2026: 1.8%▼ -1.3% vs 12-2025 02-2026: 1.8%▼ -1.4% vs 01-2026lowest value 03-2026: 2.7%▲ +48.0% vs 02-2026 04-2026: 3.1%▲ +15.6% vs 03-2026 05-2026: 3.4%▲ +8.2% vs 04-2026 06-2026: 3.3%▼ -1.1% vs 05-2026 07-2026: 3.4%▲ +2.0% vs 06-2026 08-2026: 8.8%▲ +159% vs 07-2026 09-2026: 9.0%▲ +2.0% vs 08-2026 10-2026: 9.6%▲ +6.9% vs 09-2026highest value
  • 2 changes of registered office in 24 months raises the probability
  • Founded in 2023 raises the probability for this profile
  • Latest accounts 61 days late; 2 of the last 3 late raises the probability
  • Size: total assets €115,098 raises the probability for this profile
Credit up to €2,500 at 30 days only on tighter terms
Liquidity ample (current ratio 3.5 against 2.11 in 2024; short-term debt: 27.8% and cash: 1.7% of total assets), and 27.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 78%, liquidity 30%, profitability 93%, growth against the median 93%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · 2 changes of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Founded in 2023
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Latest accounts 61 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Size: total assets €115,098
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 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 filings
Deviation from the deadline
2025
61 d late
2024
55 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 58 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Registered officeRegistered-office move
  3. Registered officeRegistered-office move · Power of…

Key points

  • Positive: Among the best 16% on net resultsector median €10,146 · 33,931 companies €45,911 View
  • Caution: Latest accounts filed lateafter the legal deadline 61 d View
  • Total assets 20252 fiscal years filed €115,098 View

By topic

Financials

Fiscal year
2025
Total assets
€115,098
Profit
€45,911
Solvency
72.2%
Total assets▲ 103%
Net result
20242025
Go to Financials

Timeline

Events
4
Since
2025
Next accounts
by 31-07-2027
  1. 30-09-2026Annual accounts filed
  2. 10-07-2026Registered office
  3. 25-02-2026Registered office
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other specialised construction activitiesNACE 43990
Founded
04-07-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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