MALOUNOT · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of MALOUNOT is 0.3% (very low). The 2025 annual accounts show equity of €74k and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 43% of 147 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 4 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-03-2026, 123 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. 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 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	30-03-2026	123 d early	2026-00071596
31-12-2024	31-07-2025	30-06-2025	31 d early	2025-00200423
31-12-2023	31-07-2024	26-04-2024	96 d early	2024-00070869
31-12-2022	31-07-2023	17-05-2023	75 d early	2023-00089016

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

0.3% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

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€18k-96.5%

Working capital€74k-91.1%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 30-03-2026 with the NBB · fiscal year 2025 · volledig

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 69, Legal & accounting · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	8.6%	16.1%	better than 43% of 147 sector peers
Net result	€18k	€113k	better than 16% of 147 sector peers
Equity	€74k	€82k	better than 48% of 147 sector peers
Gross operating margin	€33k	€375k	better than 10% of 144 sector peers
Staff costs	€56	€461k	higher than 5% of 84 sector peers

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

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P43

Improving position over 2022-2025 · n=147-302

Net result P16

Stable position over 2022-2025 · n=147-301

Equity P48

Improving position over 2022-2025 · n=147-302

Gross operating margin P10

Weakening position over 2022-2025 · n=144-291

Describes the position versus peers, not a forecast.

EBITDA

€374k

+60.4% 22-25

Net profit

€18k

-96.5% 22-25

Cash flow

€298k

+66.4% 22-25

Total assets

€857k

-20.6% 22-25

Equity

€74k

-91.1% 22-25

Working capital

€74k

-91.1% 22-25

Employees (FTE)

5

-33.8% 22-25

Staff costs

€56

-100.0% 22-25

Show 12 other metrics

Income taxes

€5k

-96.9% 22-25

Dividends

€774k

- 22-25

Debt

€783k

+213.6% 22-25

Debt ≤ 1y

€783k

+213.5% 22-25

Debt > 1y

€705k

-11.3% 22-25

Current ratio

1.09

-74.7% 22-25

Quick ratio

1.09

-74.7% 22-25

Solvency

8.6%

-88.8% 22-25

Debt / equity

10.60

+3420.1% 22-25

ROE

25.0%

-60.6% 22-25

ROA

2.2%

-95.6% 22-25

Interest coverage

15.43

-66.7% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	volledig
Revenue	-
EBITDA	-
Net profit	€18k
Cash flow	-
Staff costs	€56
Income taxes	€5k
Dividends	€774k
Total assets	€857k
Equity	€74k
Debt	€783k
of which ≤ 1y	€783k
of which > 1y	-
Working capital	€74k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.09
Quick ratio	1.09
Working capital ratio	8.7%
Solvency	8.6%
Debt / equity	10.60
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	2.2%
ROE	25.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Equity & liabilities

Equity €74k · 8.6% Debt €783k · 91.4%

Full annual accounts (19 line items)

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€857k
Current assets	29/58	€857k
Amounts receivable within one year	40/41	€44k
Cash & bank	54/58	€813k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€857k
Equity	10/15	€74k
Contributions / capital	10/11	€5k
Reserves	13	€69k
Amounts payable	17/49	€783k
Amounts payable within one year	42/48	€783k
Trade debts payable within one year	44	€17k
Income statement
Gross operating margin	9900	€33k
Operating result	9901	€31k
Financial income	75	€7k
Financial charges	65	€15k
Result before taxes	9903	€24k
Income taxes	67/77	€5k
Net result for the period	9904	€18k
Result to be appropriated	9905	€18k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

57 / 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.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Eifel-Ardennen-Strasse 224780 Sankt Vith

Establishment units

1 location

Eifel-Ardennen-Strasse 22, 4780 Sankt Vith

Activiteiten van notarissen

since 20222.334.840.478

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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.