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MALMICO

Active
Private limited companyfounded 1993active for 33 yearsKerkhoflaan 19, 9300 Aalst, BelgiumKBO/BCE: BE 0450.556.585
Summary

MALMICO has been active since 1993 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €657 and a net result of €4,857. Equity is growing by about 3.6% per year across the filed financial years. Its solvency ranks better than 29% of 22,238 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Activity
Retail sale of bicycles
NACE 47632
1 site
Size
€7,003total assets 2025
Equity
€657
Profit
€4,857
Turnover not published (micro format)
Financial health
86 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Structure
Accounts 37 days early0 of 1 deed read
Why 86raises riskSector: Retail trade (NACE 47)Equity €657 (9.4% of total assets)lowers riskFounded in 1993Size: total assets €7,003Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 60% of its sector peers (NACE 47, micro)
Financial strength · tick = 2024
Average
Solvency 34+34
equity 9.4% of total assets
Liquidity 28+6
short-term debt 90.6% · cash 22.6%
Profitability 100+100
return on assets 69.4%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,188 companies, NACE 47, micro)
Last 24 months 11-2024: 1.0% 12-2024: 1.0%● unchanged vs 11-2024 01-2025: 1.0%● unchanged vs 12-2024 02-2025: 1.0%● unchanged vs 01-2025 03-2025: 1.0%● unchanged vs 02-2025 04-2025: 1.1%▲ +0.1 percentage points vs 03-2025 05-2025: 0.4%▼ -0.7 percentage points vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.6%▲ +0.2 percentage points vs 06-2025 08-2025: 0.8%▲ +0.2 percentage points vs 07-2025 09-2025: 1.0%▲ +0.2 percentage points vs 08-2025 10-2025: 1.3%▲ +0.3 percentage points vs 09-2025 11-2025: 1.3%● unchanged vs 10-2025 12-2025: 1.3%● unchanged vs 11-2025 01-2026: 1.3%● unchanged vs 12-2025 02-2026: 1.3%● unchanged vs 01-2026 03-2026: 1.3%● unchanged vs 02-2026 04-2026: 1.4%▲ +0.1 percentage points vs 03-2026 05-2026: 1.3%▼ -0.1 percentage points vs 04-2026 06-2026: 1.3%● unchanged vs 05-2026 07-2026: 1.5%▲ +0.2 percentage points vs 06-2026 08-2026: 1.7%▲ +0.2 percentage points vs 07-2026 09-2026: 1.8%▲ +0.1 percentage points vs 08-2026highest value 10-2026: 0.4%▼ -1.4 percentage points vs 09-2026lowest value
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 26% on solvency, 25% on liquidity, 96% on profitability and 93% on growth.

The bankruptcy probability was computed on 09-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Founded in 1993
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
lowers risk · Size: total assets €7,003
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Equity €657 (9.4% of total assets)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-06-2026, 37 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
37 days early
2024
40 days late
2023
35 days early
2022
3 days early
2021
2 days early
2020
30 days late
2019
22 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 4 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 July (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven months
Where today falls in the filing period
10-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Back to profitnet €4,857
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Active since 1993founded 09-07-1993 33 years View
  • Total assets 20256 financial years filed €7,003 View

By topic

Financials

Financial year
2025
Total assets
€7,003
Profit
€4,857
Solvency
9.4%
Total assets▲ 6.8%
Net result
20182025
Go to Financials

Timeline

Events
37
Since
1994
Next accounts
by 31-07-2027
  1. 26-06-2024Annual accounts filed
  2. 31-12-2023Back to profit
  3. 28-07-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of bicyclesNACE 47632
Founded
09-07-1993
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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