Maloelaba
ActiveMaloelaba has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €254k and a net result of €51k. Equity is growing by ~38.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 9.16 against 3.58 in 2024; short-term debt: 8% and cash: 36.8% of total assets), and 8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
92%
Return on assets
18.6%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 29-09-2025, 29 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 · 10 filingsDeviation from the deadline
2026
not confirmed
2025
29 d late
2024
30 d late
2023
30 d late
2022
69 d late
2021
59 d late
2020
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€254k▲ 25.4%
2024 · €203k
2019: €47k
2020: €48k
2021: €52k
2022: €103k
2023: €133k
2024: €203k
2019 → 2025
Total assets
€276k▲ 11.2%
2024 · €249k
2019: €218k
2020: €224k
2021: €228k
2022: €242k
2023: €232k
2024: €249k
2019 → 2025
Net result
€51k▼ 26.4%
2024 · €70k
2019: €713
2020: €807
2021: €4k
2022: €51k
2023: €30k
2024: €70k
2019 → 2025
Working capital
€181k▲ 53.2%
2024 · €118k
2019: €-61k
2020: €-52k
2021: €-40k
2022: €19k
2023: €49k
2024: €118k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€103k▲ 98.0%€133k▲ 29.5%€203k▲ 52.5%€254k▲ 25.4%
Operating result€5k-€68k▲ 1,254%€47k▼ 31.4%€99k▲ 111%€77k▼ 22.3%
Net result€4k-€51k▲ 1,247%€30k▼ 40.3%€70k▲ 130%€51k▼ 26.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €276k
Fixed assets
€74k▼ 13.3%
Current assets
€203k▲ 24.0%
Equity and liabilities €276k
Equity
€254k▲ 25.4%
Debt
€22k▼ 51.6%
The debt ratio falls from 18.4% to 8.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€88k▼
2024 · €109k
Cash flow
€63k▼
2024 · €80k
Solvency
92.0%▲
2024 · 81.6%
Current ratio
9.16▲
2024 · 3.58
Quick ratio
5.94▲
2024 · 2.59
Debt / equity
0.09▼
2024 · 0.23
ROE
20.2%▼
2024 · 34.4%
ROA
18.6%▼
2024 · 28.1%
Interest coverage
42.14▼
2024 · 65.68
Debt
€22k▼
2024 · €46k
Debt ≤ 1 year
€22k▼
2024 · €46k
Income taxes
€23k▼
2024 · €30k
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€249k€276k▲
Fixed assets21/28€85k€74k▼
Tangible fixed assets22/27€85k€74k▼
Land and buildings22€85k€73k▼
Plant, machinery and equipment23€404€270▼
Current assets29/58€164k€203k▲
Stocks and contracts in progress3€45k€71k▲
Stocks30/36€45k€71k▲
Amounts receivable within one year40/41€25k€20k▼
Trade receivables40€20k€14k▼
Other amounts receivable41€5k€7k▲
Cash at bank and in hand54/58€88k€102k▲
Deferred charges and accrued income490/1€5k€10k▲
Equity and liabilities
Total equity and liabilities10/49€249k€276k▲
Equity10/15€203k€254k▲
Contributions10/11€80k€80k=
Reserves13€123k€174k▲
Distributable reserves133€123k€174k▲
Amounts payable17/49€46k€22k▼
Amounts payable within one year42/48€46k€22k▼
Trade debts44€13k€22k▲
Suppliers440/4€13k€22k▲
Taxes, remuneration and social security45€7k€421▼
Taxes450/3€7k€421▼
Other amounts payable47/48€27k€176▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€113k€93k▼
Operating profit (loss)9901€99k€77k▼
Financial income75/76B€3k€311▼
Recurring financial income75€3k€311▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€100k€75k▼
Income taxes67/77€30k€23k▼
Profit (loss) for the period9904€70k€51k▼
Profit (loss) for the period to be appropriated9905€70k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€51k▼
Transfer to equity691/2€70k€51k▼
To other reserves6921€70k€51k▼
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
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
31-01
Financial
Liquidity triplescurrent ratio 9.16
Current ratio from 3.58 to 9.16; short-term debt falls from €46k to €22k.
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
31-01
Financial
Highest result since 2019net €70k ▲130%
Operating result €99k, net result €70k, both a record.
31-01
Financial
Liquidity doublescurrent ratio 3.58
Current ratio from 1.49 to 3.58; short-term debt falls from €99k to €46k.
31-01
Financial
Equity above €200kEq €203k ▲52.5%
6 profitable years in a row build equity to €203k.
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2022
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 69 days late
31-01
Financial
Equity above €100kEq €103k ▲98%
4 profitable years in a row build equity to €103k.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 91 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2018
12-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 42 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Truiden · 1 establishment unit since 2011
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.
Luikerstraat 703800 Sint-TruidenGround area
108 m²
Building footprint
119 m²
Volume, LiDAR
966 m³
Parcel 71053H1157/00B000, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Maloelaba
since 20112.202.011.846
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053H1157/00B000 | Flanders | 108 m² | 1 · 119 m² | 12.9 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 6,503 companies in sector 47716 we hold annual accounts for 2,440. 1,705 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2011
Fiscal year end31-01
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
46423Wholesale of clothing, excluding workwear and underwear
47721Retail sale of footwear
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.