MELK & SUTTER
ActiveMELK & SUTTER has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €31k. Its solvency ranks better than 13% of 31459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes
Profitability100
Solvency8
Growth-
Stability67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.7), and 94.6% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
5.4%
Return on assets
4.1%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 31459 sector peers (2025).
NBB · sector comparisonPosition among 31459 sector peers
Solvency
better than 13%
← weakest
strongest →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
23 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€41k
Total assets
€756k
Net result
€31k
Working capital
€-24k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €756k
Fixed assets
€700k
Current assets
€56k
Equity and liabilities €756k
Equity
€41k
Debt
€715k
Debt finances 94.6% of the balance-sheet total.
Key figures and ratios
Solvency
5.4%
Current ratio
0.70
Quick ratio
0.70
Debt / equity
17.50
ROE
75.5%
ROA
4.1%
Debt
€715k
Debt ≤ 1 year
€80k
Debt > 1 year
€635k
Income taxes
€8k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€756k
Fixed assets21/28€700k
Financial fixed assets28€700k
Current assets29/58€56k
Amounts receivable within one year40/41€36k
Trade receivables40€36k
Cash at bank and in hand54/58€19k
Equity and liabilities
Total equity and liabilities10/49€756k
Equity10/15€41k
Contributions10/11€10k
Profit (loss) carried forward14€31k
Amounts payable17/49€715k
Amounts payable after more than one year17€635k
Financial debts170/4€635k
Amounts payable within one year42/48€80k
Current portion of amounts payable after more than one year42€65k
Taxes, remuneration and social security45€14k
Taxes450/3€14k
Other amounts payable47/48€941
Income statement
Code2025
Other operating charges640/8€50
Gross operating margin9900€43k
Operating profit (loss)9901€43k
Financial charges65/66B€4k
Recurring financial charges65€4k
Profit (loss) for the period before taxes9903€39k
Income taxes67/77€8k
Profit (loss) for the period9904€31k
Profit (loss) for the period to be appropriated9905€31k
Appropriation of the result
Profit (loss) to be appropriated9906€31k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
1 act for this company is 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, Geraardsbergen · 1 establishment unit since 2024
Ground area
2,147 m²
Building footprint
235 m²
Volume, LiDAR
832 m³
Parcel 41074A0433/00_000, Flanders · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
MELK & SUTTER
since 20242.368.244.310
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41074A0433/00_000 | Flanders | 2,147 m² | 1 · 235 m² | 5.9 m · 1 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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INEBO
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IMMOREX
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Of 82,190 companies in sector 70200 we hold annual accounts for 52,402. 36,730 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.