BEHIELS & Co is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €194k and a net result of €19k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 70% of 43 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
14 d early
2023
20 d early
2022
13 d early
2021
17 d early
2020
16 d early
2019
18 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€194k▼ 7.4%
2024 · €209k
2018: €137k
2019: €162k
2020: €161k
2021: €164k
2022: €183k
2023: €208k
2024: €209k
2018 → 2025
Net result
€19k▼ 50.9%
2024 · €40k
2018: €9k
2019: €24k
2020: €34k
2021: €3k
2022: €33k
2023: €25k
2024: €40k
2018 → 2025
Total assets
€306k▼ 15.2%
2024 · €361k
2018: €242k
2019: €250k
2020: €274k
2021: €244k
2022: €264k
2023: €303k
2024: €361k
2018 → 2025
Solvency
63.3%▲ 5.3pp
2024 · 58.0%
2018: 56.7%
2019: 64.7%
2020: 58.6%
2021: 67.2%
2022: 69.2%
2023: 68.8%
2024: 58.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€164k-€183k▲ 11.8%€208k▲ 13.9%€209k▲ 0.3%€194k▼ 7.4%
Operating result€7k-€41k▲ 456%€38k▼ 8.0%€57k▲ 52.3%€29k▼ 48.6%
Net result€3k-€33k▲ 1,011%€25k▼ 23.9%€40k▲ 56.4%€19k▼ 50.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €306k
Fixed assets
€165k▼ 11.5%
Current assets
€141k▼ 19.2%
Equity and liabilities €306k
Equity
€194k▼ 7.4%
Debt
€112k▼ 26.0%
The debt ratio falls from 42.0% to 36.7%. Equity and debt are lower.
Key figures and ratios
Solvency
63.3%▲
2024 · 58.0%
ROE
10.1%▼
2024 · 19.0%
ROA
6.4%▼
2024 · 11.0%
Debt
€112k▼
2024 · €152k
Debt ≤ 1 year
€75k▼
2024 · €96k
Debt > 1 year
€37k▼
2024 · €56k
Income taxes
€9k▼
2024 · €15k
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€361k€306k▼
Fixed assets21/28€187k€165k▼
Tangible fixed assets22/27€187k€165k▼
Land and buildings22€106k€98k▼
Plant, machinery and equipment23€3k€5k▲
Furniture and vehicles24€77k€62k▼
Current assets29/58€174k€141k▼
Amounts receivable within one year40/41€21k€27k▲
Trade receivables40€20k€23k▲
Other amounts receivable41€431€5k▲
Current investments50/53€33k€0▼
Cash at bank and in hand54/58€83k€111k▲
Deferred charges and accrued income490/1€38k€3k▼
Equity and liabilities
Total equity and liabilities10/49€361k€306k▼
Equity10/15€209k€194k▼
Contributions10/11€19k€19k=
Reserves13€191k€175k▼
Distributable reserves133€191k€175k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€152k€112k▼
Amounts payable after more than one year17€56k€37k▼
Financial debts170/4€56k€37k▼
Amounts payable within one year42/48€96k€75k▼
Current portion of amounts payable after more than one year42€18k€18k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€21k€12k▼
Taxes450/3€3k€3k▼
Remuneration and social security454/9€18k€9k▼
Other amounts payable47/48€54k€43k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€25k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€14k€0▼
Gross operating margin9900€84k€57k▼
Operating profit (loss)9901€57k€29k▼
Financial income75/76B€868€1k▲
Recurring financial income75€868€1k▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€55k€28k▼
Income taxes67/77€15k€9k▼
Profit (loss) for the period9904€40k€19k▼
Profit (loss) for the period to be appropriated9905€40k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€19k▼
Transfer from equity791/2-€16k
Transfer to equity691/2€674€0▼
To other reserves6921€674€0▼
Profit to be distributed694/7€39k€35k▼
Return on contributions (dividend)694€39k€35k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (10 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €40k ▲56.4%
Operating result €57k, net result €40k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200kEq €208k ▲13.9%
6 profitable years in a row build equity to €208k.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €3k ▼91.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €150kEq €162k ▲17.8%
2 profitable years in a row build equity to €162k.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
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
8 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 1992
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.
Schoolstraat(MEL) 199120 Beveren-Kruibeke-ZwijndrechtGround area
246 m²
Building footprint
70 m²
Volume, LiDAR
402 m³
Parcel 46016C0200/00N005, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FINANCIEEL ADVIESKANTOOR MELSELE
since 19922.055.888.175
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46016C0200/00N005 | Flanders | 245 m² | 1 · 70 m² | 9.2 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.
Similar companies · same sector, comparable size
KANTOOR MARTENS
BE 0433.119.846
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BE 0860.103.651
Welkenraedt · Eq €188k
ASSURANCES CHRISTIAENS
BE 0438.132.865
Mouscron · Eq €200k
Bossin Consulting
BE 0560.908.339
Deinze · Eq €207k
SAROLEA-DECELLE ASSURANCES
BE 0636.736.209
Liège · Eq €210k
Of 128 companies in sector 65122 we hold annual accounts for 59. 44 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-1991
Fiscal year end31-12
Trade name NL
FINANCIEEL ADVIESKANTOOR MELSELE
Activities, NACEBEL
65122Insurance, reinsurance and pension funding, except compulsory social security
64190Financial service activities, except insurance and pension funding
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.