Maélo

Active

Private limited company·Detailhandel in cosmetica en toiletartikelen· 3 yrs active

Drève Richelle 161 ·1410 Waterloo, Belgium

KBO/BCE: BE 0795.432.563

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Full dossier in preparation

Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age3 yrs

Real estate1 parcel · 1.0 ha

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Maélo is 2.1% (moderate). The 2025 annual accounts show equity of €59k and a net result of €1k. Its solvency ranks better than 59% of 242 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	30-01-2026	1 d early	2026-00029064
30-06-2024	31-01-2025	29-01-2025	2 d early	2025-00013479

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.1% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€1k

Working capital€154k

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · volledig

Sector comparison

Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	20.1%	13.8%	better than 59% of 242 sector peers
Net result	€1k	€19k	better than 38% of 242 sector peers
Equity	€59k	€94k	better than 40% of 242 sector peers
Gross operating margin	€17k	€319k	better than 10% of 214 sector peers
Total assets	€291k	€913k	better than 15% of 242 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	volledig
Revenue	-
EBITDA	€16k
Net profit	€1k
Cash flow	€5k
Staff costs	-
Income taxes	€2k
Dividends	-
Total assets	€291k
Equity	€59k
Debt	€233k
of which ≤ 1y	€133k
of which > 1y	€100k
Working capital	€154k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	2.16
Quick ratio	0.35
Working capital ratio	52.8%
Solvency	20.1%
Debt / equity	3.97
Long-term debt ratio	1.71
Interest coverage	1.73
Gross margin	-
Net margin	-
ROA	0.4%
ROE	2.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €5k · 1.6% Current assets €286k · 98.4%

Equity & liabilities

Equity €59k · 20.1% Debt €233k · 79.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€291k
Fixed assets	21/28	€5k
Intangible fixed assets	21	€3k
Tangible fixed assets	22/27	€2k
Financial fixed assets	28	€168
Current assets	29/58	€286k
Stocks & contracts in progress	3	€241k
Amounts receivable within one year	40/41	€20k
Cash & bank	54/58	€26k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€291k
Equity	10/15	€59k
Contributions / capital	10/11	€10k
Accumulated profits (losses)	14	€49k
Amounts payable	17/49	€233k
Amounts payable after one year	17	€100k
Amounts payable within one year	42/48	€133k
Trade debts payable within one year	44	€48k
Income statement
Gross operating margin	9900	€17k
Operating result	9901	€12k
Financial income	75	€376
Financial charges	65	€9k
Result before taxes	9903	€4k
Income taxes	67/77	€2k
Net result for the period	9904	€1k
Result to be appropriated	9905	€1k

Ratios computed by Checked.

Health barometer

FY 2025 · computed

51 / 100 Fair

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Locations & real estate

Registered office

on the map · from the address register

approximate (street level) On OpenStreetMap

Parcels1

Ground area1.0 ha

Buildings1

Building footprint1,772 m²

Volume (LiDAR)33,713 m³

Tallest building22.9 m · ±6 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25763M0621/00F000indicative	Wallonia	1.0 ha	1 · 1,772 m²	22.9 m · 6 fl.

Methodology

via registered seat: 1

0 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.