SCHELDIMMO
ActiveSummary
SCHELDIMMO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €393k and a net result of €196k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 27% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+4
Solvency46▲+10
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.18 against 1.01 in 2024; short-term debt: 78.8% and cash: 43.7% of total assets), and 78.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
21.2%
Return on assets
10.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
21 d late
2023
29 d late
2022
30 d late
2021
3 d early
2020
31 d late
2019
98 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€393k▲ 99.5%
2024 · €197k
2018: €1.32M
2019: €1.32M
2020: €1.32M
2021: €1.32M
2022: €1.32M
2023: €1.57M
2024: €197k
2018 → 2025
Total assets
€1.86M▲ 8.0%
2024 · €1.72M
2018: €1.65M
2019: €1.50M
2020: €1.49M
2021: €1.67M
2022: €1.54M
2023: €1.65M
2024: €1.72M
2018 → 2025
Net result
€196k▲ 61.4%
2024 · €121k
2018: €95k
2019: €16k
2020: €64k
2021: €219k
2022: €121k
2023: €246k
2024: €121k
2018 → 2025
Working capital
€260k▲ 1,550%
2024 · €16k
2018: €1.34M
2019: €1.27M
2020: €1.27M
2021: €1.26M
2022: €1.21M
2023: €1.50M
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.32M-€1.32M=€1.57M▲ 18.6%€197k▼ 87.4%€393k▲ 99.5%
Operating result€291k-€161k▼ 44.9%€333k▲ 107%€170k▼ 49.0%€256k▲ 51.0%
Net result€219k-€121k▼ 44.6%€246k▲ 102%€121k▼ 50.6%€196k▲ 61.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 51% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.86M
Fixed assets
€133k ▼ 26.4%
Current assets
€1.72M ▲ 12.0%
Equity and liabilities €1.86M
Equity
€393k ▲ 99.5%
Debt
€1.46M ▼ 3.8%
Debt's share of the balance-sheet total falls from 88.6% to 78.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€307k▲
2024 · €220k
Cash flow
€247k▲
2024 · €171k
Current ratio
1.18▲
2024 · 1.01
Debt to equity
3.73▼
2024 · 7.74
ROE
49.9%▼
2024 · 61.7%
ROA
10.6%▲
2024 · 7.1%
Interest coverage
731.22▲
2024 · 117.98
Debt ≤ 1 year
€1.46M▼
2024 · €1.52M
Income taxes
€72k▲
2024 · €59k
Staff costs
€234k▲
2024 · €230k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.72M€1.86M▲
Fixed assets21/28€181k€133k▼
Tangible fixed assets22/27€180k€133k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€21k€18k▼
Furniture and vehicles24€147k€110k▼
Other tangible fixed assets26€8k€4k▼
Financial fixed assets28€2k€50▼
Current assets29/58€1.54M€1.72M▲
Amounts receivable after more than one year29€541k€480k▼
Other amounts receivable291€541k€480k▼
Amounts receivable within one year40/41€486k€386k▼
Trade receivables40€452k€370k▼
Other amounts receivable41€35k€16k▼
Cash at bank and in hand54/58€466k€813k▲
Deferred charges and accrued income490/1€45k€45k▲
Equity and liabilities
Total equity and liabilities10/49€1.72M€1.86M▲
Equity10/15€197k€393k▲
Contributions10/11€19k€19k=
Reserves13€178k€374k▲
Tax-exempt reserves132€56k€56k=
Distributable reserves133€122k€318k▲
Profit (loss) carried forward14€175€164▼
Amounts payable17/49€1.52M€1.46M▼
Amounts payable within one year42/48€1.52M€1.46M▼
Trade debts44€2k€16k▲
Suppliers440/4€2k€16k▲
Taxes, remuneration and social security45€30k€31k▲
Taxes450/3-€6k
Remuneration and social security454/9€30k€25k▼
Other amounts payable47/48€1.49M€1.42M▼
Income statement
Code20242025
Remuneration, social security and pensions62€230k€234k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€51k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€453k€544k▲
Operating profit (loss)9901€170k€256k▲
Financial income75/76B€13k€12k▼
Recurring financial income75€13k€12k▼
Financial charges65/66B€2k€421▼
Recurring financial charges65€2k€421▼
Profit (loss) for the period before taxes9903€180k€268k▲
Income taxes67/77€59k€72k▲
Profit (loss) for the period9904€121k€196k▲
Profit (loss) for the period to be appropriated9905€121k€196k▲
Appropriation of the result
Profit (loss) to be appropriated9906€122k€196k▲
Profit (loss) brought forward from the previous period14P€495€175▼
Transfer from equity791/2€1.49M-
Transfer to equity691/2€122k€196k▲
To other reserves6921€122k€196k▲
Profit to be distributed694/7€1.49M-
Return on contributions (dividend)694€1.49M-
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (8 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Equity above €200kEq €393k ▲99.5%
8 profitable years in a row build equity to €393k.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 21 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €246k ▲102%
Operating result €333k, net result €246k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 19.98
Current ratio from 6.74 to 19.98; short-term debt falls from €211k to €79k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 98 days late
2019
31-12
Financial
Weakest financial yearnet €16k ▼83.4%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Merelbeke-Melle · 1 establishment unit since 1989
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.
Bosstraat 549820 Merelbeke-MelleGround area
101 m²
Building footprint
231 m²
Volume, LiDAR
1,286 m³
Parcel 44058B0359/00R000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCHELDIMMO
since 19892.046.580.432
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44058B0359/00R000 | Flanders | 101 m² | 1 · 231 m² | 9.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 330 EUR awarded · 330 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 330 EUR | 330 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,647 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-1989
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
68310Real estate agency activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.