DE SCHELDE
ActiveSummary
The computed 12-month bankruptcy probability of DE SCHELDE is 2.8% (moderate). The 2025 annual accounts show negative equity (€-99k) and a net result of €-10k. Equity is shrinking by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 8% of 13305 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+33
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.05 against 0.04 in 2024; short-term debt: 268.8% and cash: 9.5% of total assets), and equity is negative.
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-168.8%
Return on assets
-17.2%
Age of the figures
18 mo
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-99k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-09-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
31 d early
2023
32 d early
2022
31 d early
2021
30 d early
2020
4 d early
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€-99k▼ 11.4%
2024 · €-89k
2019: €-51k
2020: €-70k
2021: €-90k
2022: €-82k
2023: €-75k
2024: €-89k
2019 → 2025
Total assets
€59k▼ 20.4%
2024 · €74k
2019: €160k
2020: €143k
2021: €135k
2022: €124k
2023: €104k
2024: €74k
2019 → 2025
Net result
€-10k▲ 28.3%
2024 · €-14k
2019: €-21k
2020: €-19k
2021: €-20k
2022: €8k
2023: €7k
2024: €-14k
2019 → 2025
Working capital
€-151k▲ 3.5%
2024 · €-156k
2019: €-109k
2020: €-120k
2021: €-133k
2022: €-124k
2023: €-112k
2024: €-156k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-90k-€-82k▲ 9.2%€-75k▲ 8.2%€-89k▼ 18.9%€-99k▼ 11.4%
Operating result€-17k-€10k€9k▼ 15.4%€-13k€-10k▲ 25.9%
Net result€-20k-€8k€7k▼ 18.9%€-14k€-10k▲ 28.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €13k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€52k ▼ 23.2%
Current assets
€7k ▲ 8.5%
Key figures and ratios
EBITDA
€3k▲
2024 · €2k
Cash flow
€3k▲
2024 · €1k
Solvency
-168.8%▼
2024 · -120.7%
Current ratio
0.05▲
2024 · 0.04
Debt to equity
-1.59▲
2024 · -1.83
ROA
-17.2%▲
2024 · -19.1%
Interest coverage
11.38▲
2024 · 2.08
Debt
€158k▼
2024 · €163k
Debt ≤ 1 year
€158k▼
2024 · €163k
Income taxes
€224▲
2024 · €195
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€74k€59k▼
Fixed assets21/28€67k€52k▼
Tangible fixed assets22/27€67k€52k▼
Land and buildings22€64k€51k▼
Plant, machinery and equipment23€3k€627▼
Furniture and vehicles24€517€0▼
Financial fixed assets28€10€10=
Current assets29/58€7k€7k▲
Amounts receivable within one year40/41€2k€1k▼
Trade receivables40€1k€1k▼
Other amounts receivable41€584-
Cash at bank and in hand54/58€4k€6k▲
Deferred charges and accrued income490/1€346€299▼
Equity and liabilities
Total equity and liabilities10/49€74k€59k▼
Equity10/15€-89k€-99k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€-114k€-124k▼
Amounts payable17/49€163k€158k▼
Amounts payable within one year42/48€163k€158k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€195€378▲
Taxes450/3€195€378▲
Other amounts payable47/48€161k€156k▼
Income statement
Code20242025
Non-recurring operating income76A-€17k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€13k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€874€55▼
Gross operating margin9900€6k€5k▼
Operating profit (loss)9901€-13k€-10k▲
Financial income75/76B€197€1▼
Recurring financial income75€197€1▼
Financial charges65/66B€1k€282▼
Recurring financial charges65€1k€282▼
Profit (loss) for the period before taxes9903€-14k€-10k▲
Income taxes67/77€195€224▲
Profit (loss) for the period9904€-14k€-10k▲
Profit (loss) for the period to be appropriated9905€-14k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-114k€-124k▼
Profit (loss) brought forward from the previous period14P€-100k€-114k▼
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €8k
Net result €8k after 3 loss-making years.
2021
01-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Dendermonde · 1 establishment unit since 2008
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.
Oude Brugstraat (SCH) 129200 DendermondeGround area
295 m²
Building footprint
266 m²
Volume, LiDAR
1,477 m³
Parcel 42019A0074/00X002, Flanders · tallest building 10.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Oude Brugstraat (SCH) 12, 9200 Dendermonde
since 20082.171.197.322
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42019A0074/00X002 | Flanders | 295 m² | 1 · 266 m² | 10.3 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.
Similar companies · same sector, comparable size
Au filet de sole
BE 0750.950.937
De Panne · Eq €13,648
VILLA GIULIA
BE 0726.590.376
Fleurus · Eq €13,655
GOUTE & TAIS-TOI
BE 1008.706.067
Genappe · Eq €13,638
NGUYEN-DANG
BE 0770.627.386
Grâce-Hollogne · Eq €13,666
MED FOODS
BE 0696.686.662
Etterbeek · Eq €13,668
Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 7,936 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 (pre-2019)
Founded30-05-2008
Fiscal year end31-03
Activities, NACEBEL 2025
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.