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SAC A MALICE

Active
Public limited companyfounded 2001active for 25 yearsAllée de la Relevée 32, 1400 Nivelles, BelgiumKBO/BCE: BE 0474.374.639
Summary

SAC A MALICE has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €69,709 and a net result of €10,196. Equity remains stable across the filed financial years (±0.5% per year). Its solvency ranks better than 28% of 12,464 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Risk analysisFollow ReportCompare
SAC A MALICEActiveChecked score 54/100
Risk analysis ReportCompare

Overview

Activity
Retail trade
NACE 47722
1 site
Size
€470,587total assets 2024
Staff
1.7 FTE
Equity
€69,709
Profit
€10,196
Financial health
54 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
1.3%
Structure
Accounts 77 days overdue0 of 3 deeds read
Why 54raises riskCapped at 59: a confirmed filing findingLatest accounts 75 days late; 3 of the last 3 lateLiquidity: current ratio 1.16, cash €810, halvedlowers riskFounded in 2001Size: total assets €421,121Show the evidence

Checked score

Score 2024
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 33% of its sector peers (NACE 47, micro)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Weak
Solvency 40+1
equity 14.8% of total assets
Liquidity 8+2
short-term debt 80.8% · cash 1.4%
Profitability 49+2
return on assets 2.2%
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,203 companies, NACE 47, micro)
Last 24 months 11-2024: 2.8% 12-2024: 3.4%▲ +0.6 percentage points vs 11-2024highest value 01-2025: 1.6%▼ -1.8 percentage points vs 12-2024 02-2025: 1.6%● unchanged vs 01-2025 03-2025: 1.6%● unchanged vs 02-2025 04-2025: 1.6%● unchanged vs 03-2025 05-2025: 1.6%● unchanged vs 04-2025 06-2025: 1.5%▼ -0.1 percentage points vs 05-2025 07-2025: 1.7%▲ +0.2 percentage points vs 06-2025 08-2025: 1.9%▲ +0.2 percentage points vs 07-2025 09-2025: 2.2%▲ +0.3 percentage points vs 08-2025 10-2025: 1.4%▼ -0.8 percentage points vs 09-2025 11-2025: 1.4%● unchanged vs 10-2025 12-2025: 1.4%● unchanged vs 11-2025 01-2026: 1.4%● unchanged vs 12-2025 02-2026: 1.4%● unchanged vs 01-2026 03-2026: 1.3%▼ -0.1 percentage points vs 02-2026 04-2026: 1.3%● unchanged vs 03-2026 05-2026: 1.3%● unchanged vs 04-2026 06-2026: 1.3%● unchanged vs 05-2026lowest value 07-2026: 1.3%● unchanged vs 06-2026 08-2026: 1.8%▲ +0.5 percentage points vs 07-2026 09-2026: 2.0%▲ +0.2 percentage points vs 08-2026 10-2026: 1.3%▼ -0.7 percentage points vs 09-2026
Credit of up to €3,500 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity tight (current ratio 1.17, compared with 1.14 in 2023, below the usual 1.5; short-term debt: 80.8% and cash: 1.4% of total assets), and 85.2% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 33% on solvency, 7% on liquidity, 43% on profitability and 50% on growth.

The bankruptcy probability was computed on 15-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Latest accounts 75 days late; 3 of the last 3 late
NBB · filings
raises risk · Liquidity: current ratio 1.16, cash €810, halved
NBB · annual accounts
lowers risk · Founded in 2001
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Size: total assets €421,121
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 77 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline16-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
61 days late
2023
131 days late
2022
51 days late
2021
862 days late
2020
60 days late
2019
90 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 209 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · full…
  2. Annual accounts filedfinancial year 2023 · full…
  3. Annual accounts filedfinancial year 2021 · micro…

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 77 days late View
  • Active since 2001founded 21-03-2001 25 years View
  • Total assets 20246 financial years filed €470,587 View

By topic

Financials

Financial year
2024
Total assets
€470,587
Profit
€10,196
Solvency
14.8%
Total assets▼ 11.1%
Net result
20182024
Go to Financials

Timeline

Events
27
Since
2002
  1. 20-09-2023Annual accounts filed
  2. 31-12-2021Back to profit
  3. 29-09-2021Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Retail tradeNACE 47722
Founded
21-03-2001
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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