Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 4 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
MALY from Lokeren, company number BE0437051613, closed financial year 2025 with a result of € -3,193 after tax. For that financial year MALY recorded a gross margin of € -2,200 and equity of € 48,141. Compared with financial year 2024, the result moved from € 5,525 to € -3,193. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on May 18, 2026.
€ 48,141
▼ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -3,193
▼ still € 5,525 profit in 2024
Profit after tax over the fiscal year.
€ 2,329
▼ 25% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -65,030.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 400
▲ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -1,874 | € -2,035 | € -3,952 | € -2,200 | ▲ € 1,752 |
| Profit after taxes | € 8,681 | € -10,638 | € 5,525 | € -3,193 | ▼ € 8,719 |
| Equity | € 56,447 | € 45,809 | € 51,335 | € 48,141 | ▼ 6% |
| Total debts | € 55,937 | € 58,888 | € 53,975 | € 56,393 | ▲ 4% |
| Cash | € 2,511 | € 2,492 | € 3,104 | € 2,329 | ▼ 25% |
| Land & buildings | € 109,873 | € 102,206 | € 102,206 | € 102,206 | |
| Retained profit | € -56,724 | € -67,362 | € -61,837 | € -65,030 | ▼ € 3,193 |
| Balance sheet total | € 112,384 | € 104,698 | € 105,310 | € 104,535 | ▼ 1% |
Key figures of MALY, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 June 2027.
What happened to MALY?
What happened at MALY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 3,193 (▼ € 8,719 vs 2024). Source: NBB ↗
- LYDIA ADRIENNE DE RUYTE became a director. NBB
- New establishment in Lokeren. KBO
- Start of the company according to the CBE. KBO
In short
From € 8,681 profit in 2022 to € 3,193 loss in 2025.
Paid € 10,420 in corporate taxes since 2022.
Best year ever: 2022, with € 8,681 profit.
Management
Behind MALY is LYDIA ADRIENNE DE RUYTE.
Directors
According to the 2025 annual accounts
LYDIA ADRIENNE DE RUYTE
Bestuurder
since 2015
Establishments
Establishment units
Physical locations of this company
Bergendriesstraat 16
9160 Lokeren
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0437.051.613
- VAT number
- BE 0437.051.613
- Registered office
- Bergendriesstraat 16, 9160 Lokeren
- Names & denominations
- MALY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 March 1989
- Peppol
- Not registered