Christine Malvaux
ActiveSummary
Christine Malvaux has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-5k) and a net result of €-9k. Its solvency ranks better than 8% of 2304 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability0
Solvency0
Growth-
Track record67
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Age of the figures
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€-5k
Total assets
€3k
Net result
€-9k
Working capital
€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Key figures and ratios
EBITDA
€-9k
Cash flow
€-9k
Interest coverage
-184.04
Debt
€8k
Debt ≤ 1 year
€8k
Ratios withheld: a balance sheet total of €3k is too small for a meaningful ratio.
Filed annual accounts As filed with the NBB · 2025 · 29 lines
Balance sheet
Code2025
Assets
Total assets20/58€3k
Current assets29/58€3k
Amounts receivable within one year40/41€1k
Trade receivables40€401
Other amounts receivable41€780
Cash at bank and in hand54/58€1k
Deferred charges and accrued income490/1€907
Equity and liabilities
Total equity and liabilities10/49€3k
Equity10/15€-5k
Contributions10/11€4k
Profit (loss) carried forward14€-9k
Amounts payable17/49€8k
Amounts payable within one year42/48€8k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€416
Taxes450/3€416
Other amounts payable47/48€6k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€109
Gross operating margin9900€-9k
Operating profit (loss)9901€-9k
Financial income75/76B€28
Recurring financial income75€28
Financial charges65/66B€48
Recurring financial charges65€48
Profit (loss) for the period before taxes9903€-9k
Profit (loss) for the period9904€-9k
Profit (loss) for the period to be appropriated9905€-9k
Appropriation of the result
Profit (loss) to be appropriated9906€-9k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
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, Verviers · 1 establishment unit since 2025
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.
Broucsou 14800 VerviersGround area
814 m²
Building footprint
118 m²
Volume, LiDAR
257 m³
Parcel 63022D0005/00V000, Wallonia · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Christine Malvaux
since 20252.368.575.197
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63022D0005/00V000 | Wallonia | 814 m² | 1 · 118 m² | 6.1 m · 1 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 and region
ASBL ARC-EN-CIEL
BE 0655.757.018
Verviers
ASBL ELEPHANT AFRIQUE
BE 0730.634.484
Verviers
BIKE PARK DES HAUTES FAGNES
BE 0830.624.361
Verviers
Génération
BE 0645.838.173
Verviers
Impact Logistics
BE 1013.721.066
Verviers
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 6,728 companies in sector 93299 we hold annual accounts for 1,168. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
93299Other amusement and recreation activities
73200Market research and public opinion polling
79110Travel agency activities
85599Other education
86995Nutrition and dietetics services
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:malvauxchristine@gmail.com
Phone:+32496317836