Summary
ELDEMAR 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 €3.4m and a net result of €2.9m. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 38% of 2445 sector peers (fiscal year 2025). The company has been active since 1964 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. 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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
14 d early
2023
25 d late
2022
20 d early
2021
17 d early
2020
29 d early
2019
53 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 20 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 14 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#6 oldest company in Ghent, Finance and insurance sector
Equity
€3.4m▲ 493%
2024 · €580,105
Net result
€2.9m
2024 · -€3.8m
Total assets
€7.4m▼ 14.3%
2024 · €8.6m
Solvency
46.7%▲ 39.9pp
2024 · 6.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€701,273▲ 36.0%€854,001▲ 21.8%€660,387▼ 22.7%
Operating result-€69,254€224,709-€61,270-€76,607▼ 25.0%€4.5m
Net result€41,650within the sector's middle half€102,742within the sector's middle half▲ 147%€369,675within the sector's middle half▲ 260%-€3.8mbelow the sector's middle half€2.9mabove the sector's middle half
Equity€4.0mwithin the sector's middle half▲ 0.7%€4.1mwithin the sector's middle half▲ 2.6%€4.4mwithin the sector's middle half▲ 6.3%€580,105within the sector's middle half▼ 86.8%€3.4mwithin the sector's middle half▲ 493%
Total assets€11.1mwithin the sector's middle half▲ 6.8%€11.6mwithin the sector's middle half▲ 4.6%€11.8mwithin the sector's middle half▲ 1.8%€8.6mabove the sector's middle half▼ 27.4%€7.4mwithin the sector's middle half▼ 14.3%
Debt€7.1m▲ 10.6%€7.5m▲ 5.7%€7.3m▼ 1.9%€7.9m▲ 8.2%€3.9m▼ 51.3%
Working capital-€418,349within the sector's middle half▼ 32.9%-€1.3mbelow the sector's middle half▼ 222%-€842,789below the sector's middle half▲ 37.5%-€1.4mbelow the sector's middle half▼ 63.9%€517,429within the sector's middle half
Solvency36.2%within the sector's middle half▼ 2.2pp35.5%within the sector's middle half▼ 0.7pp37.1%within the sector's middle half▲ 1.6pp6.8%below the sector's middle half▼ 30.4pp46.7%within the sector's middle half▲ 39.9pp
Current ratio0.17below the sector's middle half▼ 0.060.09below the sector's middle half▼ 0.080.05below the sector's middle half▼ 0.040.23below the sector's middle half▲ 0.182.20within the sector's middle half▲ 1.97
Return on assets (ROA)0.4%within the sector's middle half▲ 0.9pp0.9%within the sector's middle half▲ 0.5pp3.1%within the sector's middle half▲ 2.2pp-44.7%below the sector's middle half▼ 47.9pp38.8%above the sector's middle half▲ 83.6pp
Staff (FTE)1.8within the sector's middle half▲ 12.5%1.4within the sector's middle half▼ 22.2%1.1within the sector's middle half▼ 21.4%1within the sector's middle half▼ 9.1%0below the sector's middle half▼ 100%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4.5m after a loss of €76,607 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.4m
Fixed assets
€6.4m ▼ 21.4%
Current assets
€947,565 ▲ 125%
Equity and liabilities €7.4m
Equity
€3.4m ▲ 493%
Provisions
€51,473 ▼ 14.6%
Debt
€3.9m ▼ 51.3%
Debt's share of the balance-sheet total falls from 92.5% to 52.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
83.1%▲
2024 · -662.2%
Debt ≤ 1 year
€430,136▼
2024 · €1.8m
Debt > 1 year
€3.4m▼
2024 · €6.1m
Income taxes
€715,417▲
2024 · €762
Staff costs
-€7▼
2024 · €87,835
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €876,356 | €898,079 | €831,306 | - | - | - |
| Turnover70 | €701,273 | €854,001 | €660,387 | - | - | - |
| Other operating income74 | €89,738 | €44,079 | €170,918 | - | - | - |
| Non-recurring operating income76A | €85,345 | - | - | - | - | - |
| Operating charges60/66A | €945,610 | €673,370 | €892,576 | - | - | - |
| Goods for resale, raw materials and consumables60 | €2,119 | €1,941 | €3,177 | - | - | - |
| Purchases600/8 | €2,119 | €1,941 | €3,177 | - | - | - |
| Services and other goods61 | €280,195 | €340,019 | €426,429 | - | - | - |
| Remuneration, social security and pensions62 | €150,837 | €108,224 | €98,702 | €87,835 | -€7 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €181,833 | €188,251 | €332,144 | €243,794 | €196,308 | ▼ 19.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €31,516 | €0 | ▼ 100% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | -€2,975 | - | - | - |
| Other operating charges640/8 | €330,626 | €34,934 | €35,099 | €61,658 | €89,819 | ▲ 45.7% |
| Gross operating margin9900 | - | - | - | €348,195 | €4.8m | ▲ 1,274% |
| Operating profit (loss)9901 | -€69,254 | €224,709 | -€61,270 | -€76,607 | €4.5m | ▲ 5,974% |
| Financial income75/76B | €200,022 | €2 | €573,397 | €174,562 | €3.6m | ▲ 1,953% |
| Recurring financial income75 | €200,022 | €2 | €573,397 | €174,562 | €31,131 | ▼ 82.2% |
| Income from financial fixed assets750 | €200,000 | - | €573,200 | - | - | - |
| Other financial income752/9 | €22 | €2 | €197 | - | - | - |
| Non-recurring financial income76B | - | - | - | - | €3.6m | - |
| Financial charges65/66B | €110,655 | €121,963 | €149,056 | €3.9m | €4.5m | ▲ 14.5% |
| Recurring financial charges65 | €110,655 | €121,963 | €149,056 | €394,322 | €75,194 | ▼ 80.9% |
| Debt charges650 | €108,450 | €120,957 | €148,554 | - | - | - |
| Other financial charges652/9 | €2,205 | €1,006 | €502 | - | - | - |
| Non-recurring financial charges66B | - | - | - | €3.6m | €4.4m | ▲ 25.1% |
| Profit (loss) for the period before taxes9903 | €20,113 | €102,748 | €363,070 | -€3.8m | €3.6m | ▲ 193% |
| Transfer from deferred taxes780 | €11,711 | - | €8,783 | €8,783 | €8,783 | = |
| Income taxes67/77 | -€9,825 | €5 | €2,178 | €762 | €715,417 | ▲ 93,822% |
| Taxes670/3 | - | €5 | €2,178 | - | - | - |
| Tax adjustments and reversals of tax provisions77 | €9,825 | - | - | - | - | - |
| Profit (loss) for the period9904 | €41,650 | €102,742 | €369,675 | -€3.8m | €2.9m | ▲ 174% |
| Transfer from tax-exempt reserves789 | - | - | €26,350 | €26,350 | €26,350 | = |
| Profit (loss) for the period to be appropriated9905 | €41,650 | €102,742 | €396,025 | -€3.8m | €2.9m | ▲ 176% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €11.1m | €11.6m | €11.8m | €8.6m | €7.4m | ▼ 14.3% |
| Fixed assets21/28 | €11.0m | €11.5m | €11.8m | €8.2m | €6.4m | ▼ 21.4% |
| Tangible fixed assets22/27 | €4.5m | €4.9m | €4.6m | €4.6m | €3.7m | ▼ 18.8% |
| Land and buildings22 | €4.3m | €4.9m | €4.6m | €4.4m | €3.6m | ▼ 19.8% |
| Plant, machinery and equipment23 | - | - | €4,984 | €3,809 | €0 | ▼ 100% |
| Furniture and vehicles24 | €7,426 | €400 | €1,071 | €135,074 | €157,238 | ▲ 16.4% |
| Assets under construction and advance payments27 | €200,000 | - | - | - | - | - |
| Financial fixed assets28 | €6.5m | €6.5m | €7.1m | €3.6m | €2.7m | ▼ 24.9% |
| Affiliated companies280/1 | €6.5m | €6.5m | €7.1m | - | - | - |
| Participating interests280 | €6.5m | €6.5m | €7.1m | - | - | - |
| Other financial fixed assets284/8 | - | - | €0 | - | - | - |
| Shares284 | - | - | €0 | - | - | - |
| Current assets29/58 | €87,288 | €134,323 | €47,974 | €421,576 | €947,565 | ▲ 125% |
| Stocks and contracts in progress3 | €1,701 | - | €0 | €249,631 | €391,549 | ▲ 56.9% |
| Stocks30/36 | €1,701 | - | - | €249,631 | €391,549 | ▲ 56.9% |
| Goods purchased for resale34 | €1,701 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €60,539 | €105,967 | €13,362 | €115,873 | €222,634 | ▲ 92.1% |
| Trade receivables40 | €30,534 | €104,103 | €13,362 | €17,559 | €7,083 | ▼ 59.7% |
| Other amounts receivable41 | €30,005 | €1,864 | €0 | €98,314 | €215,551 | ▲ 119% |
| Cash at bank and in hand54/58 | €21,410 | €28,356 | €22,475 | €28,677 | €250,279 | ▲ 773% |
| Deferred charges and accrued income490/1 | €3,639 | - | €12,137 | €27,395 | €83,103 | ▲ 203% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €11.1m | €11.6m | €11.8m | €8.6m | €7.4m | ▼ 14.3% |
| Equity10/15 | €4.0m | €4.1m | €4.4m | €580,105 | €3.4m | ▲ 493% |
| Contributions10/11 | €2.1m | €2.1m | €2.1m | €2.1m | €2.1m | = |
| Capital10 | €2.1m | €2.1m | €2.1m | €2.1m | €2.1m | = |
| Issued capital100 | €2.1m | €2.1m | €2.1m | €2.1m | €2.1m | = |
| Reserves13 | €527,530 | €527,530 | €2.3m | €2.3m | €1.3m | ▼ 41.6% |
| Non-distributable reserves130/1 | €58,638 | €58,638 | €210,000 | €210,000 | €210,000 | = |
| Legal reserve130 | €58,638 | €58,638 | €210,000 | €210,000 | €210,000 | = |
| Tax-exempt reserves132 | €311,294 | €311,294 | €177,049 | €180,770 | €154,420 | ▼ 14.6% |
| Distributable reserves133 | €157,598 | €157,598 | €1.9m | €1.9m | €973,118 | ▼ 48.8% |
| Profit (loss) carried forward14 | €1.4m | €1.5m | €4,491 | -€3.8m | - | - |
| Provisions and deferred taxes16 | €2,975 | €2,975 | €99,111 | €60,257 | €51,473 | ▼ 14.6% |
| Provisions for liabilities and charges160/5 | €2,975 | €2,975 | €0 | - | - | - |
| Pensions and similar obligations160 | €2,975 | €2,975 | €0 | - | - | - |
| Deferred taxes168 | - | - | €99,111 | €60,257 | €51,473 | ▼ 14.6% |
| Amounts payable17/49 | €7.1m | €7.5m | €7.3m | €7.9m | €3.9m | ▼ 51.3% |
| Amounts payable after more than one year17 | €6.6m | €6.0m | €6.4m | €6.1m | €3.4m | ▼ 44.6% |
| Financial debts170/4 | €6.6m | €6.0m | €6.4m | €6.1m | €3.4m | ▼ 44.6% |
| Subordinated loans170 | €300,000 | - | - | - | - | - |
| Credit institutions173 | €963,778 | €752,524 | €1.2m | - | - | - |
| Other loans174 | €5.3m | €5.3m | €5.2m | - | - | - |
| Amounts payable within one year42/48 | €505,637 | €1.5m | €890,763 | €1.8m | €430,136 | ▼ 76.1% |
| Current portion of amounts payable after more than one year42 | €361,253 | - | €298,982 | €274,833 | - | - |
| Financial debts43 | - | €308,753 | - | - | - | - |
| Credit institutions430/8 | - | €308,753 | - | - | - | - |
| Trade debts44 | €37,733 | €631,097 | €68,157 | €128,017 | €90,252 | ▼ 29.5% |
| Suppliers440/4 | €37,733 | €631,097 | €68,157 | €128,017 | €90,252 | ▼ 29.5% |
| Advances received on contracts in progress46 | - | - | - | €500,000 | €3,624 | ▼ 99.3% |
| Taxes, remuneration and social security45 | €26,650 | €37,915 | €62,612 | €103,437 | €26,147 | ▼ 74.7% |
| Taxes450/3 | €15,824 | €32,500 | €54,974 | €103,437 | €26,147 | ▼ 74.7% |
| Remuneration and social security454/9 | €10,827 | €5,415 | €7,638 | - | - | - |
| Other amounts payable47/48 | €80,000 | €505,073 | €461,012 | €796,710 | €310,113 | ▼ 61.1% |
| Accrued charges and deferred income492/3 | - | €950 | €34,457 | €328 | €41,064 | ▲ 12,416% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €41,650 | €102,742 | €369,675 | -€3.8m | €2.9m | ▲ 174% |
| + Depreciation and write-downs630 | €181,833 | €188,251 | €332,144 | €243,794 | €196,308 | ▼ 19.5% |
| Operating cash flow (approximation) | €223,483 | €290,993 | €701,819 | -€3.6m | €3.1m | ▲ 185% |
| Investment in fixed assets (approximation) | - | -€646,898 | -€631,360 | €3.4m | €1.6m | ▼ 54.0% |
| Change in cash | - | €6,946 | -€5,880 | €6,202 | €221,602 | ▲ 3,473% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €2.9m
Net result €2.9m after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 2.20
Current ratio from 0.23 to 2.20; short-term debt falls from €1.8m to €430,136.
31-12
Financial
Equity above €2mEq €3.4m ▲493%
Equity rises from €580,105 to €3.4m.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet -€3.8m
Net result drops to -€3.8m, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 25 days late
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €41,650
Net result €41,650 after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 15 acts read
About the unread acts
We know of 15 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
15 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, Gent · 1 establishment unit since 1963
Ground area
1.9 ha
Building footprint
1,241 m²
Volume, LiDAR
19,773 m³
Parcel 44032A0472/00R003, Flanders · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
84
companies at this address
See who is registered here
1 establishment unit
Gaston Crommenlaan 8, 9050 Gent
since 19632.104.965.920
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44032A0472/00R003 | Flanders | 1.9 ha | 1 · 1,241 m² | 18.8 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
3 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 3
-
99.7%
-
99.6%
-
40%
According to the 2025 annual accounts of ELDEMAR and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 12,810 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 12,810 EUR | 0 EUR |
Schemes
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 9,309 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded22-01-1964
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
01199Crop and animal production, hunting and related service activities
02100Forestry and logging
32123Manufacture of jewellery
56210Event catering
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0400085606
Also
9925:BE0400085606
Registered
05-11-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.