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 51 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
MALO from Zoutleeuw, company number BE0896954050, closed financial year 2025 with a result of € 287,370 after tax. For that financial year MALO recorded a gross margin of € 469,212 and equity of € 1.8 million. Compared with financial year 2024, the result moved from € 282,227 to € 287,370. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 22, 2026.
€ 1.8 million
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 287,370
▲ 2% vs 2024
Profit after tax over the fiscal year.
€ 17,963
▼ 98% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 172,896 paid out
60 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 7,999
▼ 29% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 619,633
▼ 11% vs 2024
€ 76,948 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 5,411
▲ 5% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 75,750
▼ 2% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 444,721 | € 476,023 | € 474,881 | € 469,212 | ▼ 1% |
| Profit after taxes | € 265,032 | € 290,028 | € 282,227 | € 287,370 | ▲ 2% |
| Equity | € 1,295,675 | € 1,539,664 | € 1,727,045 | € 1,841,519 | ▲ 7% |
| Total debts | € 982,113 | € 898,893 | € 834,664 | € 754,150 | ▼ 10% |
| Cash | € 434,535 | € 600,844 | € 724,414 | € 17,963 | ▼ 98% |
| Land & buildings | € 1,239,395 | € 1,216,626 | € 1,193,858 | € 1,174,492 | ▼ 2% |
| Retained profit | € 1,289,475 | € 1,533,464 | € 1,720,845 | € 1,835,319 | ▲ 7% |
| Dividend | € 71,672 | € 46,040 | € 94,847 | € 172,896 | ▲ 82% |
| Bank debt | € 844,768 | € 770,498 | € 695,376 | € 619,633 | ▼ 11% |
| Balance sheet total | € 2,277,789 | € 2,438,557 | € 2,561,708 | € 2,595,668 | ▲ 1% |
Key figures of MALO, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to MALO?
What happened at MALO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 287,370 (▲ 2% vs 2024). Source: NBB ↗
- New establishment in Zoutleeuw. KBO
- Start of the company according to the CBE. KBO
In short
From € 265,032 profit in 2022 to € 287,370 profit in 2025.
Paid € 556,399 in corporate taxes since 2022.
Best year ever: 2023, with € 290,028 profit.
Paid out € 385,454 in dividends to the owners in total.
A new publication or filing at MALO? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind MALO is Michaël Dumon. It owns 33% of Limbrassur itself.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Orsmaalstraat 37
3440 Zoutleeuw
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0896.954.050
- VAT number
- BE 0896.954.050
- Registered office
- Orsmaalstraat 37, 3440 Zoutleeuw
- Names & denominations
- MALO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 31 March 2008
- Peppol
- Active · Active since 13 Aug 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars