Summary
MALUVER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.05M and a net result of €40k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 21% of 490 sector peers (fiscal year 2025). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 490 sector peers (2025).
NBB · sector comparisonPosition among 490 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-12-2025 was due by 30-07-2026 and was filed on 28-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
5 d early
2023
6 d late
2022
2 d early
2021
18 d late
2020
22 d late
2019
1 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-12-2026 and is due by 30-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-12-2026 close30-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€1.05M▲ 3.9%
2024 · €1.01M
2018: €543k
2019: €545k
2020: €639k
2021: €1.04M
2022: €1.19M
2023: €1.25M
2024: €1.01M
2018 → 2025
Net result
€40k
2024 · €-235k
2018: €14k
2019: €2k
2020: €94k
2021: €404k
2022: €151k
2023: €51k
2024: €-235k
2018 → 2025
Total assets
€7.87M▼ 17.1%
2024 · €9.50M
2018: €7.82M
2019: €8.26M
2020: €8.61M
2021: €10.17M
2022: €10.20M
2023: €9.74M
2024: €9.50M
2018 → 2025
Solvency
13.3%▲ 2.7pp
2024 · 10.6%
2018: 6.9%
2019: 6.6%
2020: 7.4%
2021: 10.3%
2022: 11.7%
2023: 12.8%
2024: 10.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.04M-€1.19M▲ 14.5%€1.25M▲ 4.3%€1.01M▼ 18.9%€1.05M▲ 3.9%
Operating result€510k-€371k▼ 27.2%€439k▲ 18.4%€129k▼ 70.6%€291k▲ 125%
Net result€404k-€151k▼ 62.5%€51k▼ 66.3%€-235k€40k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 125% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.87M
Fixed assets
€7.70M ▼ 18.4%
Current assets
€171k ▲ 181%
Equity and liabilities €7.87M
Equity
€1.05M ▲ 3.9%
Provisions
€41k ▼ 5.8%
Debt
€6.78M ▼ 19.7%
Debt's share of the balance-sheet total falls from 88.9% to 86.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
3.8%▲
2024 · -23.3%
ROA
0.5%▲
2024 · -2.5%
Debt ≤ 1 year
€3.11M▲
2024 · €1.25M
Debt > 1 year
€3.65M▼
2024 · €7.16M
Income taxes
€244▼
2024 · €524
Staff costs
€94k▼
2024 · €102k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€9.50M€7.87M▼
Fixed assets21/28€9.44M€7.70M▼
Tangible fixed assets22/27€9.06M€7.68M▼
Land and buildings22€9.01M€7.65M▼
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€37k€29k▼
Financial fixed assets28€379k€17k▼
Current assets29/58€61k€171k▲
Cash at bank and in hand54/58€23k€169k▲
Deferred charges and accrued income490/1€38k€3k▼
Equity and liabilities
Total equity and liabilities10/49€9.50M€7.87M▼
Equity10/15€1.01M€1.05M▲
Contributions10/11€143k€143k=
Capital10€143k€143k=
Issued capital100€143k€143k=
Outside capital11€9€9=
Share premium1100/10€9€9=
Reserves13€867k€907k▲
Non-distributable reserves130/1€14k€14k=
Legal reserve130€14k€14k=
Tax-exempt reserves132€131k€124k▼
Distributable reserves133€722k€769k▲
Provisions and deferred taxes16€44k€41k▼
Deferred taxes168€44k€41k▼
Amounts payable17/49€8.44M€6.78M▼
Amounts payable after more than one year17€7.16M€3.65M▼
Financial debts170/4€7.16M€3.65M▼
Amounts payable within one year42/48€1.25M€3.11M▲
Current portion of amounts payable after more than one year42€482k€286k▼
Trade debts44€32k€26k▼
Suppliers440/4€32k€26k▼
Taxes, remuneration and social security45€13k€13k▼
Taxes450/3€524€245▼
Remuneration and social security454/9€13k€13k=
Other amounts payable47/48€722k€2.79M▲
Accrued charges and deferred income492/3€35k€18k▼
Income statement
Code20242025
Non-recurring operating income76A€19€148k▲
Remuneration, social security and pensions62€102k€94k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€618k€568k▼
Other operating charges640/8€66k€63k▼
Non-recurring operating charges66A-€69k
Gross operating margin9900€915k€1.09M▲
Operating profit (loss)9901€129k€291k▲
Financial income75/76B-€84
Recurring financial income75-€84
Financial charges65/66B€367k€254k▼
Recurring financial charges65€367k€254k▼
Profit (loss) for the period before taxes9903€-237k€37k▲
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€524€244▼
Profit (loss) for the period9904€-235k€40k▲
Transfer from tax-exempt reserves789€8k€8k=
Profit (loss) for the period to be appropriated9905€-228k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-228k€47k▲
Transfer from equity791/2€228k-
Transfer to equity691/2-€47k
To other reserves6921-€47k
Social balance
Average headcount (FTE)90871.81.3▼
The notes to these accounts (18 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-12
Financial
Weakest financial yearnet €-235k
Net result drops to €-235k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 6 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
2021
30-12
Financial
Highest result since 2018net €404k ▲329%
Operating result €510k, net result €404k, both a record.
30-12
Financial
Equity above €1MEq €1.04M ▲63.1%
4 profitable years in a row build equity to €1.04M.
21-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 22 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 1 day late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-07
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.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Gent · 1 establishment unit since 1993
Ground area
640 m²
Building footprint
87 m²
Volume, LiDAR
731 m³
Parcel 44432C0708/00P000, Flanders · tallest building 14.9 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
MALUVER NV
since 19932.063.081.815
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44432C0708/00P000 | Flanders | 640 m² | 1 · 87 m² | 14.9 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 to 2024 · 2 entries · 24,636 EUR awarded · 24,636 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 24,636 EUR |
| 2023 | 1 | 24,636 EUR | 0 EUR |
Schemes
Erfgoedpremie voor beschermde monumenten en landschappen - standaardprocedure
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,149 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-04-1993
Fiscal year end30-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:luc@dhaenens.net
Phone:0475/588819