Equity
€362,054 ▲ 81.7%
Equity rose in 2025 from €199,257 to €362,054.
MALOU
Lifetime
5 annual accounts with figures on one time axispeak €328,548 (2025)
€328,548▲ 37.2%
peak €197,336 (2022)
€162,797▲ 67.5%
peak €513,851 (2023)
€362,054▲ 81.7%
€854,159▼ 21.8%
Board2 names since 2020
2 directorsDE lA RIVIÈRE Sofie and 1 other
Documentsfilings and deeds
30-08-202630 days late
2025micro format
Gross margin from €239,455 to €328,548Result from €97,170 to €162,797Equity from €199,257 to €362,054Debts from €1.1m to €854,159Cash from €60,414 to €127,024
Key points
from the 2025 annual accountsTurnover
≈ €470,000 estimated
The micro format states no turnover.
Debts
€854,159 70% of the balance sheet
Financial debts 74%Suppliers 1%Taxes and wages 2%Other 23%
Of this, €85,656 falls due within a year.
Liquidity
1.48 was 0.66 in 2024
Short-term debts fell from €142,799 to €85,656.
Filings
5 annual accounts 5 late
The 2022 accounts came latest: 151 days after the end of the period.
Position in the sector
€162,797
Higher net result than 92% of companies in head offices and management consultancy. Sector median €27,142 · 39,376 companies.
Checked score
95
Excellent
Financially stronger than 57% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,568 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.1%▼ -0.1 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026highest value
09-2026: < 0.1%▼ -0.3 percentage points vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2020
lowers risk
Size: total assets €1.2m
Sector: Activities of head offices; management consultancy activities (NACE 70)
Figures for financial year 2025 (filed on 08-09-2026)
Calculation
The band follows from the bankruptcy probability. 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 70, micro). It does better than 30% of them on solvency, 55% on liquidity, 54% on profitability and 87% on growth.
The bankruptcy probability was computed on 07-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,684 companies had the same profile as MALOU has now. Each dot stands for 7 companies, two years later.
97.3%
were still trading
1.2%
stopped another way
1.3%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of MALOU itself is lower: < 0.1% within 12 months. It rests on far more data about MALOU than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,684 companies, not a prediction for MALOU. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.48 (0.66 in 2024), below the usual 1.5. Short-term debt is 7% and cash 10.4% of total assets. 70.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 30 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
30 days late
2024
27 days late
2023
30 days late
2022
151 days late
2021
61 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 60 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% 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 31 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- VERJANS Koen Jos Guy 500 sharesdeed of 12-10-2020
- DE lA RIVIÈRE Sofie 500 sharesdeed of 12-10-2020
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0755889128
Registered office moved from Houthalen-Helchteren to Zonhoven
New registered office: Kapelhof 15, 3520 Zonhoven · Previous registered office: Schansbeemdenweg 20, 3530 Houthalen-Helchteren · Board meeting of 28-05-2022 · Gazette deed
Incorporation
Founding capital of €20,000, 1,000 shares · Founders: VERJANS Koen Jos Guy and DE lA RIVIÈRE Sofie · Appointments: VERJANS Koen Jos Guy (director) and DE lA RIVIÈRE Sofie (director) · published on 12-10-2020 · Gazette deed
First establishment
Kapelhof 15, Zonhoven
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| MALOU Zonhoven | €1.2m | €328,548 | 29.8% | - |
| Hearts Kitchen Oudsbergen | €1.3m | €291,002 | 52.7% | - |
| BOVAND Ixelles | €1.2m | €335,306 | 98.0% | - |
| ELDEMU Asse | €1.3m | €343,785 | 46.5% | - |
| Kevin Overdulve Kapellen | €1.1m | €309,926 | 19.0% | - |
| 12ten Bruges | €1.2m | €298,254 | 97.0% | - |
| DEMOLIE-R MANAGEMENT Enghien | €1.2m | €290,639 | 23.2% | - |
These companies have the same main activity as MALOU: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €1.1m and €1.3m, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 08-10-2020Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.308.220.8093520 Zonhoven, since 08-10-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 09-12-2025
Insights on MALOU
MALOU files the micro format. That format states no turnover. The gross margin rose from €176,454 in 2021 to €328,548 in 2025.
The balance sheet grew most from 2022 to 2023 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about MALOU
- What is the company number of MALOU?
- The company number of MALOU is 0755.889.128. The VAT number is the same number with BE in front: BE 0755.889.128.
- Where is MALOU based?
- The registered office is at Kapelhof 15, 3520 Zonhoven.Company details
- What does MALOU do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of MALOU?
- MALOU is a private limited company (BV).
- When was MALOU founded?
- MALOU was founded on 08-10-2020.
- Is MALOU still active?
- Yes, MALOU is an active enterprise in the KBO register.
- What is the turnover of MALOU?
- The turnover in financial year 2025 is ≈ €470,000. This figure is estimated from the gross margin of €328,548 and 95 comparable companies (NACE 70200). It probably lies between €390,000 and €820,000.Financials
- Is MALOU profitable?
- In financial year 2025, MALOU made a profit of €162,797.
- Where can I find the annual accounts of MALOU?
- MALOU filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of MALOU due?
- MALOU must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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