MALOVA
ActiveMALOVA has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €984k and a net result of €213k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 37% of 2262 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
77
/ 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
Profitability76▲+7
Solvency52▼-8
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 0.6 in 2024; short-term debt: 8.3% and cash: 22.1% of total assets), but 73.3% 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 82
Relative position
BE, all sectors
reference
Sector 82
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
26.7%
Return on assets
5.8%
Age of the figures
12 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 · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
29 d late
2024
1 d early
2023
32 d early
2022
47 d early
2021
5 d early
2020
21 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€984k▲ 26.4%
2024 · €778k
2018: €444k
2019: €496k
2020: €584k
2021: €676k
2022: €764k
2023: €774k
2024: €778k
2018 → 2025
Total assets
€3.68M▲ 65.9%
2024 · €2.22M
2018: €1.45M
2019: €1.99M
2020: €1.98M
2021: €1.90M
2022: €1.93M
2023: €2.27M
2024: €2.22M
2018 → 2025
Net result
€213k▲ 5,001%
2024 · €4k
2018: €32k
2019: €60k
2020: €97k
2021: €99k
2022: €95k
2023: €17k
2024: €4k
2018 → 2025
Working capital
€539k
2024 · €-86k
2018: €-35k
2019: €-19k
2020: €-28k
2021: €-91k
2022: €-81k
2023: €-144k
2024: €-86k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€676k-€764k▲ 13.0%€774k▲ 1.3%€778k▲ 0.5%€984k▲ 26.4%
Operating result€167k-€161k▼ 3.8%€63k▼ 60.6%€6k▼ 90.9%€271k▲ 4,567%
Net result€99k-€95k▼ 4.1%€17k▼ 81.8%€4k▼ 75.9%€213k▲ 5,001%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4,567% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.68M
Fixed assets
€2.84M▲ 35.6%
Current assets
€845k▲ 565%
Equity and liabilities €3.68M
Equity
€984k▲ 26.4%
Debt
€2.70M▲ 87.2%
The debt ratio rises from 64.9% to 73.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€369k▲
2024 · €49k
Cash flow
€311k▲
2024 · €47k
Solvency
26.7%▼
2024 · 35.1%
Current ratio
2.76▲
2024 · 0.60
Quick ratio
2.76▲
2024 · 0.60
Debt / equity
2.74▲
2024 · 1.85
ROE
21.6%▲
2024 · 0.5%
ROA
5.8%▲
2024 · 0.2%
Interest coverage
20.83▼
2024 · 111.47
Debt
€2.70M▲
2024 · €1.44M
Debt ≤ 1 year
€306k▲
2024 · €213k
Debt > 1 year
€2.37M▲
2024 · €1.23M
Income taxes
€41k▲
2024 · €1k
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€2.22M€3.68M▲
Fixed assets21/28€2.09M€2.84M▲
Tangible fixed assets22/27€727k€1.47M▲
Land and buildings22€727k€1.47M▲
Furniture and vehicles24€105-
Financial fixed assets28€1.36M€1.36M=
Current assets29/58€127k€845k▲
Amounts receivable within one year40/41€46k€26k▼
Trade receivables40€29k€11k▼
Other amounts receivable41€17k€15k▼
Cash at bank and in hand54/58€79k€815k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€2.22M€3.68M▲
Equity10/15€778k€984k▲
Contributions10/11€350k€350k=
Reserves13€428k€428k=
Distributable reserves133€428k€428k=
Profit (loss) carried forward14-€206k
Amounts payable17/49€1.44M€2.70M▲
Amounts payable after more than one year17€1.23M€2.37M▲
Financial debts170/4€1.23M€2.37M▲
Amounts payable within one year42/48€213k€306k▲
Current portion of amounts payable after more than one year42€30k€54k▲
Trade debts44€39k€101k▲
Suppliers440/4€39k€101k▲
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€6k€7k▲
Other amounts payable47/48€139k€144k▲
Accrued charges and deferred income492/3€2k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€98k▲
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A€88k-
Gross operating margin9900€142k€373k▲
Operating profit (loss)9901€6k€271k▲
Financial income75/76B€184€704▲
Recurring financial income75€184€704▲
Financial charges65/66B€437€18k▲
Recurring financial charges65€437€18k▲
Profit (loss) for the period before taxes9903€6k€254k▲
Income taxes67/77€1k€41k▲
Profit (loss) for the period9904€4k€213k▲
Profit (loss) for the period to be appropriated9905€4k€213k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€213k▲
Transfer to equity691/2€4k-
To other reserves6921€4k-
Profit to be distributed694/7-€7k
Directors or managers695-€7k
The notes to these accounts (15 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
30-09
Financial
Highest result since 2018net €213k ▲5001%
Operating result €271k, net result €213k, both a record.
30-09
Financial
Liquidity times 5current ratio 2.76
Current ratio from 0.60 to 2.76.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet €4k ▼75.9%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
09-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €500kEq €584k ▲17.9%
3 profitable years in a row build equity to €584k.
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Tielt · 1 establishment unit since 2014
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.
Landegemstraat 78760 TieltGround area
8,856 m²
Building footprint
188 m²
Volume, LiDAR
969 m³
Parcel 37322D0218/00C000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Landegemstraat 7, 8760 Tielt
since 20142.230.178.468
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37322D0218/00C000 | Flanders | 8,856 m² | 1 · 188 m² | 8.0 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.
Similar companies · same sector, comparable size
FINANCES et COURTAGE P.M.
BE 0821.654.831
Braine-le-Comte · Eq €984k
PKC
BE 0810.958.206
Londerzeel · Eq €984k
FRANS-VANDERMEERSCH
BE 0826.436.139
Torhout · Eq €983k
BEDRIJVENCENTRUM REGIO GERAARDSBERGEN
BE 0456.832.584
Geraardsbergen · Eq €985k
LLEF
BE 0781.927.688
Grimbergen · Eq €986k
Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 4,574 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2014
Fiscal year end30-09
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.