Graanhandel P. van Schelven
ActiveSummary
Graanhandel P. van Schelven has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-18k) and a net result of €15k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▲+5
Solvency21▼-2
Growth58=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.96 against 0.97 in 2024; short-term debt: 101.2% and cash: 0.7% of total assets), and equity is negative.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
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
-3.8%
Return on assets
3.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 4867 sector peers (2025).
NBB · sector comparisonPosition among 4867 sector peers
Solvency
better than 7%
← 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 30-07-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 d early
2024
35 d early
2023
43 d early
2022
45 d early
2021
44 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 31-12-2026 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k
2024 · €-2k
2021: €-58k
2022: €12k
2023: €-86k
2024: €-2k
2021 → 2025
Working capital
€-18k▲ 58.4%
2024 · €-44k
2021: €45k
2022: €32k
2023: €-52k
2024: €-44k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€54k▲ 29.4%€-31k€-33k▼ 6.3%€-18k▲ 44.9%
Operating result€-61k-€-21k▲ 66.0%€-52k▼ 150%€53k€42k▼ 21.4%
Net result€-58k-€12k€-86k€-2k▲ 97.7%€15k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €488k
Fixed assets
€12k ▼ 35.3%
Current assets
€476k ▼ 64.8%
Key figures and ratios
EBITDA
€48k▼
2024 · €61k
Cash flow
€22k▲
2024 · €6k
Solvency
-3.8%▼
2024 · -2.4%
Current ratio
0.96▼
2024 · 0.97
Quick ratio
0.51▲
2024 · 0.30
Debt to equity
-27.59▲
2024 · -42.18
ROA
3.1%▲
2024 · -0.1%
Interest coverage
0.96▲
2024 · 0.87
Debt
€506k▼
2024 · €1.40M
Debt ≤ 1 year
€494k▼
2024 · €1.40M
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.37M€488k▼
Fixed assets21/28€19k€12k▼
Tangible fixed assets22/27€7k€0▼
Furniture and vehicles24€7k€0▼
Financial fixed assets28€12k€12k=
Current assets29/58€1.35M€476k▼
Stocks and contracts in progress3€930k€222k▼
Stocks30/36€930k€222k▼
Amounts receivable within one year40/41€273k€241k▼
Trade receivables40€203k€135k▼
Other amounts receivable41€70k€106k▲
Cash at bank and in hand54/58€140k€3k▼
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€1.37M€488k▼
Equity10/15€-33k€-18k▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Profit (loss) carried forward14€-133k€-118k▲
Amounts payable17/49€1.40M€506k▼
Amounts payable within one year42/48€1.40M€494k▼
Trade debts44€498k€109k▼
Suppliers440/4€498k€109k▼
Other amounts payable47/48€899k€385k▼
Accrued charges and deferred income492/3€8k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€870€1k▲
Gross operating margin9900€62k€50k▼
Operating profit (loss)9901€53k€42k▼
Financial income75/76B€15k€23k▲
Recurring financial income75€15k€23k▲
Financial charges65/66B€70k€50k▼
Recurring financial charges65€70k€50k▼
Profit (loss) for the period before taxes9903€-2k€15k▲
Profit (loss) for the period9904€-2k€15k▲
Profit (loss) for the period to be appropriated9905€-2k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-133k€-118k▲
Profit (loss) brought forward from the previous period14P€-131k€-133k▼
The notes to these accounts (9 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-86k ▼793%
Net result drops to €-86k, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2020
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.
Peter Benoitstraat 92018 AntwerpenGround area
250 m²
Building footprint
300 m²
Volume, LiDAR
3,624 m³
Parcel 11810K1522/00F011, Flanders · tallest building 19.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Graanhandel P. van Schelven
since 20202.307.170.239
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1522/00F011 | Flanders | 250 m² | 1 · 300 m² | 19.8 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.307.170.239
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SOCIETE AGRO ECOLOGIQUE DU BOIS DE LESSINES
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SEBI FOOD
BE 0823.462.593
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GRAINETERIE D'HEDENGE
BE 0472.155.220
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Of 174 companies in sector 46211 we hold annual accounts for 79. 43 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 formPublic limited company
Founded18-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
46211Wholesale trade
46212Wholesale trade
46370Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.