MALORO
ActiveMALORO has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €286k and a net result of €17k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 92% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-11
Solvency100▲+13
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 12.12 against 2.38 in 2024; short-term debt: 6.8% and cash: 2.7% of total assets), and 6.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
93.2%
Return on assets
5.7%
Age of the figures
9 mo
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
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 22-04-2026, 100 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
100 d early
2024
45 d early
2023
28 d early
2022
7 d early
2021
19 d late
2020
31 d late
2019
28 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€286k▲ 6.5%
2024 · €268k
2018: €198k
2019: €237k
2020: €298k
2021: €327k
2022: €257k
2023: €261k
2024: €268k
2018 → 2025
Total assets
€307k▼ 28.7%
2024 · €430k
2018: €279k
2019: €297k
2020: €372k
2021: €377k
2022: €398k
2023: €413k
2024: €430k
2018 → 2025
Net result
€17k▼ 62.8%
2024 · €47k
2018: €36k
2019: €39k
2020: €61k
2021: €29k
2022: €38k
2023: €41k
2024: €47k
2018 → 2025
Working capital
€231k▲ 9.1%
2024 · €212k
2018: €149k
2019: €180k
2020: €242k
2021: €264k
2022: €168k
2023: €191k
2024: €212k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€327k-€257k▼ 21.5%€261k▲ 1.6%€268k▲ 3.0%€286k▲ 6.5%
Operating result€42k-€53k▲ 26.1%€12k▼ 76.6%€48k▲ 287%€26k▼ 44.8%
Net result€29k-€38k▲ 31.3%€41k▲ 7.7%€47k▲ 15.7%€17k▼ 62.8%
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 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €307k
Fixed assets
€55k▼ 16.1%
Current assets
€252k▼ 31.0%
Equity and liabilities €307k
Equity
€286k▲ 6.5%
Debt
€21k▼ 87.2%
The debt ratio falls from 37.6% to 6.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▼
2024 · €63k
Cash flow
€32k▼
2024 · €62k
Solvency
93.2%▲
2024 · 62.4%
Current ratio
12.12▲
2024 · 2.38
Quick ratio
12.12▲
2024 · 2.38
Debt / equity
0.07▼
2024 · 0.60
ROE
6.1%▼
2024 · 17.5%
ROA
5.7%▼
2024 · 10.9%
Interest coverage
4.31▼
2024 · 4.82
Debt
€21k▼
2024 · €162k
Debt ≤ 1 year
€21k▼
2024 · €153k
Income taxes
€10k▼
2024 · €17k
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€430k€307k▼
Fixed assets21/28€65k€55k▼
Tangible fixed assets22/27€65k€55k▼
Land and buildings22€45k€43k▼
Furniture and vehicles24€19k€10k▼
Other tangible fixed assets26€2k€2k=
Current assets29/58€365k€252k▼
Amounts receivable after more than one year29€200k€80k▼
Other amounts receivable291€200k€80k▼
Amounts receivable within one year40/41€25k€18k▼
Trade receivables40€21k€17k▼
Other amounts receivable41€4k€692▼
Current investments50/53€134k€142k▲
Cash at bank and in hand54/58€1k€8k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€430k€307k▼
Equity10/15€268k€286k▲
Contributions10/11€12k€12k=
Reserves13€256k€273k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€256k€273k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€162k€21k▼
Amounts payable within one year42/48€153k€21k▼
Financial debts43€15k€4k▼
Credit institutions430/8€15k€4k▼
Trade debts44€602€7k▲
Suppliers440/4€602€7k▲
Taxes, remuneration and social security45€14k€9k▼
Taxes450/3€14k€9k▼
Other amounts payable47/48€123k€876▼
Accrued charges and deferred income492/3€9k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€65k€45k▼
Operating profit (loss)9901€48k€26k▼
Financial income75/76B€30k€10k▼
Recurring financial income75€30k€10k▼
Financial charges65/66B€13k€9k▼
Recurring financial charges65€13k€9k▼
Profit (loss) for the period before taxes9903€64k€27k▼
Income taxes67/77€17k€10k▼
Profit (loss) for the period9904€47k€17k▼
Profit (loss) for the period to be appropriated9905€47k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€17k▼
Transfer from equity791/2€39k€0▼
Transfer to equity691/2€47k€17k▼
To other reserves6921€47k€17k▼
Profit to be distributed694/7€39k€0▼
Return on contributions (dividend)694€39k€0▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €17k ▼62.8%
Net result drops to €17k, the lowest in the series.
31-12
Financial
Liquidity times 5current ratio 12.12
Current ratio from 2.38 to 12.12; short-term debt falls from €153k to €21k.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €61k ▲55.6%
Operating result €71k, net result €61k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Equity above €200kEq €237k ▲19.7%
2 profitable years in a row build equity to €237k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kapellen · 1 establishment unit since 2009
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.
Vogelkerslaan 42950 KapellenGround area
3,640 m²
Building footprint
190 m²
Volume, LiDAR
1,093 m³
Parcel 11023I0067/00G000, Flanders · tallest building 12.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Maloro
since 20092.182.175.445
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11023I0067/00G000 | Flanders | 3,640 m² | 1 · 190 m² | 12.6 m · 2 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 38,390 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.
Contact details
1 entryE-mail:antonvandepoel@gmail.com