MELCHIOR
ActiveMELCHIOR has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €420k and a net result of €38k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 62% of 3616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
61
/ 100
Healthy▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▼-5
Solvency65▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.16 in 2024), and 59% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
41%
Return on assets
3.7%
Age of the figures
8 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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
on the day
2023
9 d early
2022
on the day
2021
2 d early
2020
31 d late
2019
31 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€420k▼ 4.9%
2024 · €442k
2018: €132k
2019: €151k
2020: €189k
2021: €305k
2022: €388k
2023: €398k
2024: €442k
2018 → 2025
Total assets
€1.02M▼ 10.9%
2024 · €1.15M
2018: €677k
2019: €1.03M
2020: €980k
2021: €1.08M
2022: €1.15M
2023: €1.13M
2024: €1.15M
2018 → 2025
Net result
€38k▼ 13.3%
2024 · €44k
2018: €36k
2019: €19k
2020: €38k
2021: €117k
2022: €83k
2023: €10k
2024: €44k
2018 → 2025
Working capital
€22k▼ 53.6%
2024 · €48k
2018: €-9k
2019: €-47k
2020: €-26k
2021: €46k
2022: €104k
2023: €59k
2024: €48k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€305k-€388k▲ 27.3%€398k▲ 2.5%€442k▲ 11.1%€420k▼ 4.9%
Operating result€153k-€126k▼ 17.6%€34k▼ 72.7%€79k▲ 129%€70k▼ 11.5%
Net result€117k-€83k▼ 28.6%€10k▼ 88.5%€44k▲ 362%€38k▼ 13.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.02M
Fixed assets
€738k▼ 7.2%
Current assets
€287k▼ 19.3%
Equity and liabilities €1.02M
Equity
€420k▼ 4.9%
Debt
€605k▼ 14.7%
The debt ratio falls from 61.6% to 59.0%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€144k=
2024 · €144k
Cash flow
€112k▲
2024 · €109k
Solvency
41.0%▲
2024 · 38.4%
Current ratio
1.08▼
2024 · 1.16
Quick ratio
0.49▼
2024 · 0.58
Debt / equity
1.44▼
2024 · 1.60
ROE
9.1%▼
2024 · 10.0%
ROA
3.7%▼
2024 · 3.8%
Interest coverage
6.87▲
2024 · 6.29
Debt
€605k▼
2024 · €709k
Debt ≤ 1 year
€265k▼
2024 · €308k
Debt > 1 year
€340k▼
2024 · €401k
Income taxes
€11k▼
2024 · €13k
Staff costs
€298k▼
2024 · €306k
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€1.15M€1.02M▼
Fixed assets21/28€795k€738k▼
Tangible fixed assets22/27€794k€737k▼
Land and buildings22€400k€386k▼
Plant, machinery and equipment23€39k€38k▼
Furniture and vehicles24€4k€5k▲
Other tangible fixed assets26€351k€308k▼
Financial fixed assets28€570€570=
Current assets29/58€356k€287k▼
Stocks and contracts in progress3€179k€156k▼
Stocks30/36€179k€156k▼
Amounts receivable within one year40/41€55k€38k▼
Trade receivables40€30k€14k▼
Other amounts receivable41€25k€24k▼
Cash at bank and in hand54/58€114k€87k▼
Deferred charges and accrued income490/1€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.02M▼
Equity10/15€442k€420k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€420k€398k▼
Amounts payable17/49€709k€605k▼
Amounts payable after more than one year17€401k€340k▼
Financial debts170/4€401k€340k▼
Amounts payable within one year42/48€308k€265k▼
Current portion of amounts payable after more than one year42€88k€63k▼
Trade debts44€107k€30k▼
Suppliers440/4€107k€30k▼
Advances received on contracts in progress46€8k€5k▼
Taxes, remuneration and social security45€42k€50k▲
Taxes450/3€27k€34k▲
Remuneration and social security454/9€14k€16k▲
Other amounts payable47/48€63k€117k▲
Income statement
Code20242025
Remuneration, social security and pensions62€306k€298k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€74k▲
Other operating charges640/8€10k€9k▼
Gross operating margin9900€459k€451k▼
Operating profit (loss)9901€79k€70k▼
Financial income75/76B€1k€541▼
Recurring financial income75€1k€541▼
Financial charges65/66B€23k€21k▼
Recurring financial charges65€23k€21k▼
Profit (loss) for the period before taxes9903€57k€49k▼
Income taxes67/77€13k€11k▼
Profit (loss) for the period9904€44k€38k▼
Profit (loss) for the period to be appropriated9905€44k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€420k€458k▲
Profit (loss) brought forward from the previous period14P€376k€420k▲
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
Social balance
Average headcount (FTE)90876.25.2▼
The notes to these accounts (11 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €10k ▼88.5%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €117k ▲211%
Operating result €153k, net result €117k, both a record.
31-12
Financial
Equity above €200kEq €305k ▲61.8%
4 profitable years in a row build equity to €305k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Equity above €150kEq €151k ▲14.3%
2 profitable years in a row build equity to €151k.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tienen · 1 establishment unit since 2016
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.
Veemarkt 473300 TienenGround area
214 m²
Building footprint
181 m²
Volume, LiDAR
2,046 m³
Parcel 24593H0376/00D000, Flanders · tallest building 18.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Melchior
since 20162.250.956.858
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24593H0376/00D000 | Flanders | 214 m² | 1 · 181 m² | 18.7 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteTienen2.250.956.858
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Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 6,723 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2016
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
56301Cafés and bars
64200Holdings
64210Activities of holding companies
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.