Maluz

Active

Private limited companyfounded 20242 yrs activeDronkenborrestraat 11b, 1741 Ternat, BelgiumKBO/BCE: BE 1005.153.392

Maluz has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €129k and a net result of €91k. Its solvency ranks better than 16% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

81 / 100

Excellent▲ +8 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency36=

Growth78

Stability82

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days only on tighter terms

Liquidity ample (current ratio 1.83 against 2.71 in 2024), but 90.8% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

9.2%

Return on assets

6.5%

Age of the figures

8 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 31510 sector peers (2025).

NBB · sector comparison

Position among 31510 sector peers

Solvency

better than 16%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

18 d early

2024

on the day

← before the deadline after the deadline →

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 months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€129k▲ 238%

2024 · €38k

2024: €38k

2024 → 2025

Total assets

€1.39M▲ 38.0%

2024 · €1.01M

2024: €1.01M

2024 → 2025

Net result

€91k▲ 139%

2024 · €38k

2024: €38k

2024 → 2025

Working capital

€100k▼ 7.8%

2024 · €108k

2024: €108k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€38k-€129k▲ 238%

Operating result€61k-€150k▲ 145%

Net result€38k-€91k▲ 139%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 145% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.39M

84.3%

15.7%

Fixed assets €1.18M▲ 40.0%

Current assets €220k▲ 28.0%

Equity and liabilities €1.39M

90.8%

Equity €129k▲ 238%

Debt €1.27M▲ 30.2%

The debt ratio falls from 96.2% to 90.8%: equity grows faster than debt.

Key figures and ratios

2025 value · change against 2024

EBITDA

€220k▲

2024 · €175k

Cash flow

€161k▲

2024 · €152k

Solvency

9.2%▲

2024 · 3.8%

Current ratio

1.83▼

2024 · 2.71

Quick ratio

1.83▼

2024 · 2.71

Debt / equity

9.83▼

2024 · 25.53

ROE

70.4%▼

2024 · 99.7%

ROA

6.5%▲

2024 · 3.8%

Interest coverage

6.52▼

2024 · 12.33

Debt

€1.27M▲

2024 · €973k

Debt ≤ 1 year

€120k▲

2024 · €63k

Debt > 1 year

€1.15M▲

2024 · €908k

Income taxes

€26k▲

2024 · €9k

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€1.01M€1.39M▲

Fixed assets21/28€839k€1.18M▲

Tangible fixed assets22/27€839k€1.18M▲

Land and buildings22€839k€1.18M▲

Current assets29/58€172k€220k▲

Amounts receivable within one year40/41€87k€142k▲

Trade receivables40€86k€125k▲

Other amounts receivable41€1k€18k▲

Cash at bank and in hand54/58€81k€73k▼

Deferred charges and accrued income490/1€4k€5k▲

Equity and liabilities

Total equity and liabilities10/49€1.01M€1.39M▲

Equity10/15€38k€129k▲

Contributions10/11€120€120=

Reserves13€38k€129k▲

Distributable reserves133€38k€129k▲

Amounts payable17/49€973k€1.27M▲

Amounts payable after more than one year17€908k€1.15M▲

Financial debts170/4€908k€1.15M▲

Amounts payable within one year42/48€63k€120k▲

Current portion of amounts payable after more than one year42€43k€59k▲

Trade debts44€1k€10k▲

Suppliers440/4€1k€10k▲

Taxes, remuneration and social security45€19k€47k▲

Taxes450/3€19k€47k▲

Other amounts payable47/48€512€4k▲

Accrued charges and deferred income492/3€986€700▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€114k€70k▼

Other operating charges640/8€4k€10k▲

Gross operating margin9900€179k€230k▲

Operating profit (loss)9901€61k€150k▲

Financial charges65/66B€14k€34k▲

Recurring financial charges65€14k€34k▲

Profit (loss) for the period before taxes9903€47k€116k▲

Income taxes67/77€9k€26k▲

Profit (loss) for the period9904€38k€91k▲

Profit (loss) for the period to be appropriated9905€38k€91k▲

Appropriation of the result

Profit (loss) to be appropriated9906€38k€91k▲

Transfer to equity691/2€38k€91k▲

To other reserves6921€38k€91k▲

The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

13-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Equity above €100kEq €129k ▲238%

2 profitable years in a row build equity to €129k.

31-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Ternat · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Dronkenborrestraat 11b1741 Ternat

Ground area

648 m²

Building footprint

144 m²

Parcel 23091C0752/00A000, Flanders. Linked by address, not a title deed.

1 establishment unit

Maluz

Dronkenborrestraat 11b, 1741 TernatReal estate activities

since 20242.357.231.840

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23091C0752/00A000	Flanders	648 m²	1 · 144 m²	0.0 m

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

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Wommelgem · Eq €129k

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BE 0660.752.815

Waterloo · Eq €129k

PEGASE BUSINESS DEVELOPMENT

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Ath · Eq €129k

Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 40,721 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded24-01-2024

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

68201Renting and operating of own or leased residential real estate, excluding social housing

68203Renting and operating of own or leased non-residential real estate, excluding land

68204Real estate activities

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.