MALON PCBM
ActiveMALON PCBM has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €31k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 45% of 7697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▼-3
Solvency70▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.13 in 2024; short-term debt: 47.7% and cash: 12% of total assets), and 55.5% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.5%
Return on assets
22.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-03-2026, 137 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
137 d early
2024
30 d early
2023
128 d early
2022
98 d early
2021
96 d early
2020
115 d early
2019
122 d early
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▼ 18.6%
2024 · €76k
2019: €40k
2020: €40k
2021: €51k
2022: €62k
2023: €43k
2024: €76k
2019 → 2025
Total assets
€139k▼ 12.9%
2024 · €159k
2019: €199k
2020: €204k
2021: €165k
2022: €161k
2023: €199k
2024: €159k
2019 → 2025
Net result
€31k▼ 42.0%
2024 · €53k
2019: €95k
2020: €36k
2021: €11k
2022: €11k
2023: €21k
2024: €53k
2019 → 2025
Working capital
€2k▼ 67.8%
2024 · €7k
2019: €-72k
2020: €-52k
2021: €-24k
2022: €-7k
2023: €60k
2024: €7k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€62k▲ 21.9%€43k▼ 30.7%€76k▲ 77.5%€62k▼ 18.6%
Operating result€19k-€21k▲ 5.8%€33k▲ 61.2%€80k▲ 141%€44k▼ 45.3%
Net result€11k-€11k▲ 4.1%€21k▲ 90.4%€53k▲ 153%€31k▼ 42.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €139k
Fixed assets
€70k▼ 30.2%
Current assets
€68k▲ 16.7%
Equity and liabilities €139k
Equity
€62k▼ 18.6%
Debt
€77k▼ 7.8%
The debt ratio rises from 52.4% to 55.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€76k▼
2024 · €128k
Cash flow
€63k▼
2024 · €101k
Solvency
44.5%▼
2024 · 47.6%
Current ratio
1.03▼
2024 · 1.13
Quick ratio
1.03▼
2024 · 1.13
Debt / equity
1.25▲
2024 · 1.10
ROE
50.1%▼
2024 · 70.4%
ROA
22.3%▼
2024 · 33.5%
Interest coverage
35.57▲
2024 · 28.25
Debt
€77k▼
2024 · €83k
Debt ≤ 1 year
€66k▲
2024 · €52k
Debt > 1 year
€11k▼
2024 · €32k
Income taxes
€11k▼
2024 · €22k
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€159k€139k▼
Fixed assets21/28€101k€70k▼
Intangible fixed assets21€9k-
Tangible fixed assets22/27€92k€70k▼
Furniture and vehicles24€92k€70k▼
Current assets29/58€59k€68k▲
Amounts receivable within one year40/41€24k€50k▲
Trade receivables40€24k€20k▼
Other amounts receivable41€149€30k▲
Cash at bank and in hand54/58€33k€17k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€159k€139k▼
Equity10/15€76k€62k▼
Contributions10/11€19k€11k▼
Profit (loss) carried forward14€57k€51k▼
Amounts payable17/49€83k€77k▼
Amounts payable after more than one year17€32k€11k▼
Financial debts170/4€32k€11k▼
Amounts payable within one year42/48€52k€66k▲
Current portion of amounts payable after more than one year42€20k€21k▲
Trade debts44€449€352▼
Suppliers440/4€449€352▼
Taxes, remuneration and social security45€11k€4k▼
Taxes450/3€11k€4k▼
Other amounts payable47/48€20k€41k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€32k▼
Other operating charges640/8€6k€1k▼
Gross operating margin9900€135k€77k▼
Operating profit (loss)9901€80k€44k▼
Financial income75/76B-€557
Recurring financial income75-€557
Financial charges65/66B€5k€2k▼
Recurring financial charges65€5k€2k▼
Profit (loss) for the period before taxes9903€76k€42k▼
Income taxes67/77€22k€11k▼
Profit (loss) for the period9904€53k€31k▼
Transfer from tax-exempt reserves789€19k-
Profit (loss) for the period to be appropriated9905€72k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€88k▲
Profit (loss) brought forward from the previous period14P€3k€57k▲
Transfer from equity791/2€2k-
Profit to be distributed694/7€20k€37k▲
Return on contributions (dividend)694€20k€37k▲
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
Next filing, fiscal year 2026, expected by
2026
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €11k ▼70.5%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
27-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ukkel · 1 establishment unit since 2015
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.
Visserijstraat 2181180 UkkelGround area
169 m²
Building footprint
89 m²
Volume, LiDAR
930 m³
Parcel 21612D0161/00S004, Brussels · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MALO PCBM
since 20152.247.538.894
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612D0161/00S004 | Brussels | 169 m² | 1 · 89 m² | 14.3 m · 4 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.
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Of 11,216 companies in sector 82100 we hold annual accounts for 3,513. 2,569 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2015
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.