MALVAUX CONSULTING
ActiveMALVAUX CONSULTING has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €142k and a net result of €-32k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 44% of 8968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability5▼-67
Solvency73▼-6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Liquidity ample (current ratio 1.66 against 2.12 in 2023; short-term debt: 51.8% and cash: 22% of total assets), but 51.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
48.2%
Return on assets
-10.9%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-12-2025, 151 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
151 d late
2023
30 d late
2022
31 d late
2021
9 d late
2020
88 d early
2019
19 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€142k▼ 18.5%
2023 · €174k
2018: €104k
2019: €143k
2020: €116k
2021: €207k
2022: €165k
2023: €174k
2018 → 2024
Total assets
€294k▼ 8.3%
2023 · €321k
2018: €442k
2019: €325k
2020: €281k
2021: €420k
2022: €323k
2023: €321k
2018 → 2024
Net result
€-32k
2023 · €9k
2018: €64k
2019: €65k
2020: €-27k
2021: €91k
2022: €-41k
2023: €9k
2018 → 2024
Working capital
€100k▼ 39.1%
2023 · €164k
2018: €87k
2019: €125k
2020: €120k
2021: €177k
2022: €142k
2023: €164k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€116k-€207k▲ 78.5%€165k▼ 20.0%€174k▲ 5.2%€142k▼ 18.5%
Operating result€-29k-€115k€-43k€9k€-29k
Net result€-27k-€91k€-41k€9k€-32k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €29k after €9k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €294k
Fixed assets
€42k▲ 316%
Current assets
€252k▼ 18.8%
Equity and liabilities €294k
Equity
€142k▼ 18.5%
Debt
€152k▲ 3.8%
The debt ratio rises from 45.8% to 51.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▼
2023 · €19k
Cash flow
€-21k▼
2023 · €19k
Solvency
48.2%▼
2023 · 54.2%
Current ratio
1.66▼
2023 · 2.12
Quick ratio
1.30▼
2023 · 1.74
Debt / equity
1.07▲
2023 · 0.84
ROE
-22.7%▼
2023 · 5.0%
ROA
-10.9%▼
2023 · 2.7%
Interest coverage
-9.62▼
2023 · 5.97
Debt
€152k▲
2023 · €147k
Debt ≤ 1 year
€152k▲
2023 · €147k
Income taxes
€2k▼
2023 · €6k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€321k€294k▼
Fixed assets21/28€10k€42k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€10k€42k▲
Plant, machinery and equipment23€6k€2k▼
Furniture and vehicles24€4k€40k▲
Other tangible fixed assets26€0-
Current assets29/58€311k€252k▼
Stocks and contracts in progress3€55k€55k=
Stocks30/36€55k€55k=
Amounts receivable within one year40/41€248k€130k▼
Trade receivables40€122k€49k▼
Other amounts receivable41€126k€81k▼
Cash at bank and in hand54/58€5k€65k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€321k€294k▼
Equity10/15€174k€142k▼
Contributions10/11€6k€6k=
Reserves13€11k€11k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€157k€125k▼
Amounts payable17/49€147k€152k▲
Amounts payable within one year42/48€147k€152k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€25k-
Credit institutions430/8€25k-
Trade debts44€91k€137k▲
Suppliers440/4€91k€137k▲
Advances received on contracts in progress46-€8k
Taxes, remuneration and social security45€31k€7k▼
Taxes450/3€31k€7k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€6k€944▼
Gross operating margin9900€25k€-17k▼
Operating profit (loss)9901€9k€-29k▼
Financial income75/76B€9k€1k▼
Recurring financial income75€9k€1k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€14k€-30k▼
Income taxes67/77€6k€2k▼
Profit (loss) for the period9904€9k€-32k▼
Profit (loss) for the period to be appropriated9905€9k€-32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€166k€125k▼
Profit (loss) brought forward from the previous period14P€157k€157k=
Transfer to equity691/2€9k-
To other reserves6921€9k-
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 151 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-41k ▼146%
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Back to profitnet €91k
Net result €91k after one loss-making year.
31-12
Financial
Equity above €200kEq €207k ▲78.5%
Equity rises from €116k to €207k.
04-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
22-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Waterloo · 1 establishment unit since 1995
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.
Drève Richelle 311410 WaterlooGround area
2,213 m²
Building footprint
362 m²
Volume, LiDAR
1,080 m³
2 parcels, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MALVAUX CONSULTING SPRL
since 19952.073.274.832
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763M0608/00R002 | Wallonia | 1,409 m² | 1 · 179 m² | 8.0 m · 2 fl. |
| 25763L0646/00D000 | Wallonia | 804 m² | 1 · 183 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,715 companies in sector 73200 we hold annual accounts for 1,785. 1,351 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-1995
Fiscal year end31-12
Activities, NACEBEL
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.