MALOU'S TEAM
ActiveMALOU'S TEAM has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €7k. Equity is shrinking by ~9% per year across the filed fiscal years. Its solvency ranks better than 58% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-19
Solvency70▼-30
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 8.44 in 2024; short-term debt: 54% and cash: 15.1% of total assets), but 55.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
44.8%
Return on assets
10.2%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
43 d early
2023
22 d late
2022
18 d late
2021
2 d late
2020
31 d late
2019
91 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€30k▼ 27.1%
2024 · €41k
2018: €50k
2019: €60k
2020: €91k
2021: €21k
2022: €41k
2023: €22k
2024: €41k
2018 → 2025
Total assets
€67k▲ 42.2%
2024 · €47k
2018: €68k
2019: €90k
2020: €117k
2021: €150k
2022: €51k
2023: €63k
2024: €47k
2018 → 2025
Net result
€7k▼ 64.5%
2024 · €19k
2018: €19k
2019: €10k
2020: €31k
2021: €27k
2022: €20k
2023: €16k
2024: €19k
2018 → 2025
Working capital
€30k▼ 22.9%
2024 · €38k
2018: €50k
2019: €61k
2020: €92k
2021: €22k
2022: €42k
2023: €23k
2024: €38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€41k▲ 92.1%€22k▼ 46.4%€41k▲ 87.3%€30k▼ 27.1%
Operating result€35k-€24k▼ 31.5%€22k▼ 8.9%€26k▲ 18.4%€10k▼ 62.9%
Net result€27k-€20k▼ 27.1%€16k▼ 18.8%€19k▲ 20.3%€7k▼ 64.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 63% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€1k▼ 65.4%
Current assets
€66k▲ 51.2%
Equity and liabilities €67k
Equity
€30k▼ 27.1%
Debt
€37k▲ 522%
The debt ratio rises from 12.6% to 55.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€12k▼
2024 · €27k
Cash flow
€9k▼
2024 · €20k
Solvency
44.8%▼
2024 · 87.4%
Current ratio
1.82▼
2024 · 8.44
Quick ratio
1.82▼
2024 · 8.44
Debt / equity
1.23▲
2024 · 0.14
ROE
22.7%▼
2024 · 46.6%
ROA
10.2%▼
2024 · 40.7%
Interest coverage
53.47▼
2024 · 70.97
Debt
€37k▲
2024 · €6k
Debt ≤ 1 year
€36k▲
2024 · €5k
Income taxes
€4k▼
2024 · €8k
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€47k€67k▲
Fixed assets21/28€4k€1k▼
Tangible fixed assets22/27€4k€1k▼
Furniture and vehicles24€4k€1k▼
Current assets29/58€44k€66k▲
Amounts receivable within one year40/41€38k€53k▲
Trade receivables40€19k€35k▲
Other amounts receivable41€19k€18k▼
Cash at bank and in hand54/58€6k€10k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€47k€67k▲
Equity10/15€41k€30k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€21k€10k▼
Amounts payable17/49€6k€37k▲
Amounts payable within one year42/48€5k€36k▲
Current portion of amounts payable after more than one year42€2k€2k▲
Trade debts44€42€13k▲
Suppliers440/4€42€13k▲
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48-€15k
Accrued charges and deferred income492/3€800€800=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€438€701▲
Gross operating margin9900€27k€13k▼
Operating profit (loss)9901€26k€10k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€377€222▼
Recurring financial charges65€377€222▼
Profit (loss) for the period before taxes9903€27k€11k▼
Income taxes67/77€8k€4k▼
Profit (loss) for the period9904€19k€7k▼
Profit (loss) for the period to be appropriated9905€19k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€28k▲
Profit (loss) brought forward from the previous period14P€2k€21k▲
Profit to be distributed694/7-€18k
Return on contributions (dividend)694-€18k
The notes to these accounts (4 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €7k ▼64.5%
Net result drops to €7k, the lowest in the series.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 8.44
Current ratio from 1.56 to 8.44; short-term debt falls from €41k to €5k.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Liquidity times 5current ratio 5.67
Current ratio from 1.17 to 5.67; short-term debt falls from €128k to €9k.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 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 €31k ▲197%
Operating result €45k, net result €31k, both a record.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Braine-l'Alleud · 1 establishment unit since 2013
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.
Avenue des Octrois 141420 Braine-l'AlleudGround area
168 m²
Building footprint
46 m²
Volume, LiDAR
349 m³
Parcel 25744D0094/00S000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Malou's Team SPRL
since 20132.222.242.383
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25744D0094/00S000 | Wallonia | 168 m² | 1 · 46 m² | 8.9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBraine-l'Alleud2.222.242.383
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Of 2,071 companies in sector 47750 we hold annual accounts for 518. 400 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-08-2013
Fiscal year end31-12
Activities, NACEBEL
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.