HARALD SCHELFHOUT
ActiveSummary
HARALD SCHELFHOUT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €15k. Equity is shrinking by ~17.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 31% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+4
Solvency55▼-14
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 1.53 in 2024; short-term debt: 48.5% and cash: 14% of total assets), and 70.5% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
29.5%
Return on assets
9%
Age of the figures
9 mo
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
on the day
2023
29 d late
2022
31 d late
2021
24 d late
2020
31 d late
2019
89 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, micro schema
Equity
€50k▼ 26.3%
2024 · €68k
2018: €177k
2019: €196k
2020: €92k
2021: €110k
2022: €110k
2023: €84k
2024: €68k
2018 → 2025
Total assets
€171k▲ 10.9%
2024 · €154k
2018: €481k
2019: €481k
2020: €430k
2021: €420k
2022: €330k
2023: €204k
2024: €154k
2018 → 2025
Net result
€15k▲ 60.3%
2024 · €10k
2018: €43k
2019: €18k
2020: €29k
2021: €18k
2022: €218
2023: €-26k
2024: €10k
2018 → 2025
Working capital
€16k▼ 7.0%
2024 · €17k
2018: €98k
2019: €62k
2020: €-13k
2021: €3k
2022: €23k
2023: €20k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€110k▲ 0.2%€84k▼ 24.0%€68k▼ 18.5%€50k▼ 26.3%
Operating result€34k-€9k▼ 73.2%€-19k€14k€21k▲ 51.1%
Net result€18k-€218▼ 98.8%€-26k€10k€15k▲ 60.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 51% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€72k ▼ 30.9%
Current assets
€99k ▲ 97.6%
Equity and liabilities €171k
Equity
€50k ▼ 26.3%
Debt
€120k ▲ 40.6%
Debt's share of the balance-sheet total rises from 55.6% to 70.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€45k▲
2024 · €42k
Cash flow
€39k▲
2024 · €38k
Current ratio
1.20▼
2024 · 1.53
Quick ratio
1.09▼
2024 · 1.36
Debt to equity
2.39▲
2024 · 1.25
ROE
30.3%▲
2024 · 14.0%
ROA
9.0%▲
2024 · 6.2%
Interest coverage
13.15▲
2024 · 10.08
Debt ≤ 1 year
€83k▲
2024 · €33k
Debt > 1 year
€37k▼
2024 · €53k
Income taxes
€2k▲
2024 · €330
Staff costs
€1k▲
2024 · €157
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€154k€171k▲
Fixed assets21/28€104k€72k▼
Tangible fixed assets22/27€104k€72k▼
Land and buildings22€72k€55k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€27k€12k▼
Current assets29/58€50k€99k▲
Stocks and contracts in progress3€6k€8k▲
Stocks30/36€6k€8k▲
Amounts receivable within one year40/41€28k€65k▲
Trade receivables40€18k€52k▲
Other amounts receivable41€10k€13k▲
Cash at bank and in hand54/58€15k€24k▲
Deferred charges and accrued income490/1€910€1k▲
Equity and liabilities
Total equity and liabilities10/49€154k€171k▲
Equity10/15€68k€50k▼
Contributions10/11€5k€5k=
Reserves13€80k€47k▼
Distributable reserves133€80k€47k▼
Profit (loss) carried forward14€-17k€-2k▲
Amounts payable17/49€85k€120k▲
Amounts payable after more than one year17€53k€37k▼
Financial debts170/4€51k€36k▼
Other amounts payable178/9€1k€1k=
Amounts payable within one year42/48€33k€83k▲
Current portion of amounts payable after more than one year42€15k€15k▲
Financial debts43€700€700=
Other loans439€700€700=
Trade debts44€2k€31k▲
Suppliers440/4€2k€31k▲
Taxes, remuneration and social security45€438€446▲
Taxes450/3€438€446▲
Other amounts payable47/48€15k€35k▲
Income statement
Code20242025
Non-recurring operating income76A€2k€7k▲
Remuneration, social security and pensions62€157€1k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€24k▼
Other operating charges640/8€6k€6k▲
Gross operating margin9900€48k€52k▲
Operating profit (loss)9901€14k€21k▲
Financial income75/76B€422€342▼
Recurring financial income75€422€342▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€10k€18k▲
Income taxes67/77€330€2k▲
Profit (loss) for the period9904€10k€15k▲
Profit (loss) for the period to be appropriated9905€10k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-2k▲
Profit (loss) brought forward from the previous period14P€-26k€-17k▲
Transfer from equity791/2€25k€33k▲
Profit to be distributed694/7€25k€33k▲
Return on contributions (dividend)694€25k€33k▲
The notes to these accounts (11 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 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-26k ▼12230%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Equity above €100kEq €110k ▲19%
4 profitable years in a row build equity to €110k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
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
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2006
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.
Spaans Fort(VER) 449130 Beveren-Kruibeke-ZwijndrechtGround area
465 m²
Building footprint
125 m²
Volume, LiDAR
586 m³
Parcel 46027C0725/00E000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HARALD SCHELFHOUT
since 20062.157.434.309
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46027C0725/00E000 | Flanders | 465 m² | 1 · 125 m² | 7.7 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
2023 to 2024 · 2 entries · 56 EUR awarded · 56 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 56 EUR |
| 2023 | 1 | 56 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
6 categoriesHARALD SCHELFHOUT BV38628
Legal Entity Identifier
894500N4DISL2NEIR659
Similar companies · same sector, comparable size
Algemene Ondernemingen Janssens Gebroeders
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Olen · Eq €50,425
Cuypers J.
BE 0768.620.377
Retie · Eq €50,309
BLESGEN.S METAL & LOCATION
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Soumagne · Eq €50,239
ANYS MANAGEMENT
BE 0767.372.839
Lummen · Eq €50,528
Railways &Co
BE 0765.259.823
Antwerpen · Eq €50,529
Of 8,455 companies in sector 43120 we hold annual accounts for 3,233. 2,498 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
Founded30-10-2006
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.