Equity
-€29,751
Debts exceed assets in financial year 2025.
L & B SCHELDE
Lifetime
20 annual accounts with figures on one time axis, 28 filings since 1998peak €17,964 (2013)
-€4,625▼ €2,736
lowest -€6,532 (2025)
-€6,532▼ €3,767
peak -€14,716 (2021)
-€29,751▼ €6,532
€38,554▲ 24.1%
Board3 names since 2021
2 directorsHermanus STEKETEE and 1 other
Documentsfilings and deeds
13-08-202613 days late
2025micro format
Gross margin from -€1,889 to -€4,625Loss of €6,532Registered office moved to Ghent 22-04Equity from -€23,219 to -€29,751Debts from €31,078 to €38,554Cash from €175 to €10
Key points
from the 2025 annual accountsLosses
-€15,035 in four years
Every financial year from 2022 to 2025 closed with a loss. 2025 was the heaviest.
Debts
€38,554 438% of the balance sheet
Filings
28 annual accounts since 1998
Six of the last ten came late. The 2019 accounts came latest: 31 days after the end of the period.
At the same address
36 companies
Position in the sector
-338.0%
Lower solvency than 95% of companies in warehousing and transport support. Sector median 42.6% · 1,191 companies.
Turnover not published (micro format)
Checked score
33
Weak
Financially stronger than 7% of micro companies in warehousing and transport support (NACE 52)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
5.9% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.9% across 2,306 companies (NACE 52, micro).
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.7%
01-2025: 1.7%● unchanged vs 12-2024
02-2025: 1.7%● unchanged vs 01-2025
03-2025: 1.7%● unchanged vs 02-2025
04-2025: 1.6%▼ -0.1 percentage points vs 03-2025lowest value
05-2025: 3.5%▲ +1.9 percentage points vs 04-2025
06-2025: 3.4%▼ -0.1 percentage points vs 05-2025
07-2025: 3.9%▲ +0.5 percentage points vs 06-2025
08-2025: 4.5%▲ +0.6 percentage points vs 07-2025
09-2025: 4.5%● unchanged vs 08-2025
10-2025: 4.5%● unchanged vs 09-2025
11-2025: 4.5%● unchanged vs 10-2025
12-2025: 4.5%● unchanged vs 11-2025
01-2026: 4.5%● unchanged vs 12-2025
02-2026: 4.5%● unchanged vs 01-2026
03-2026: 4.5%● unchanged vs 02-2026
04-2026: 4.6%▲ +0.1 percentage points vs 03-2026
05-2026: 4.9%▲ +0.3 percentage points vs 04-2026
06-2026: 5.0%▲ +0.1 percentage points vs 05-2026
07-2026: 5.8%▲ +0.8 percentage points vs 06-2026
08-2026: 6.8%▲ +1.0 percentage point vs 07-2026highest value
09-2026: 5.7%▼ -1.1 percentage points vs 08-2026
10-2026: 5.9%▲ +0.2 percentage points vs 09-2026
11-2026: 5.9%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Loss of €6,532, the second in a row (financial year 2025)
Sector: Warehousing and support activities for transportation (NACE 52)
Negative equity -€29,751
lowers risk
Size: total assets €8,803
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 52, micro). It does better than 4% of them on solvency, 2% on liquidity, 5% on profitability and 15% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as L & B SCHELDE has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of L & B SCHELDE itself is higher: 5.9% within 12 months. It rests on far more data about L & B SCHELDE than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for L & B SCHELDE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.04 (0.02 in 2024), below 1. Short-term debt is 438% and cash 0.1% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€29,751
raises risk · 2025 accounts filed 13 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
13 days late
2024
31 days early
2023
30 days late
2022
14 days early
2021
31 days early
2020
31 days late
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 4 days after the deadline. In the sector (NACE 52), the median for financial year 2024 was 8 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0462502334
Registered office moved to Ghent
New registered office: Nederzwijnaarde 2, bus 28, 9052 Gent (Zwijnaarde) · Resignation: Jan DINGEMANSE (manager) · Appointments: Pieter STEKETEE (director) and Hermanus STEKETEE (director) · General meeting of 14-04-2025 · Gazette deed
Incorporation
published on 04-02-1998 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| L & B SCHELDE Ghent | €8,803 | -€4,625 | -338.0% | - |
| ISOTOPE Antoing | €13,007 | -€5,537 | -546.6% | - |
| TASTE YACHTING Antwerp | €3,878 | -€2,545 | -14820.9% | - |
| Offshore Deinze | €21,478 | €3,578 | 72.7% | - |
| TIMORA Antwerp | €33,120 | -€6,171 | 59.6% | - |
| BH SHIPPING AND TRADING ANTWERP Antwerp | €43,767 | €2,814 | -1883.0% | - |
| Geysen Transport Stabroek | €7,661 | - | 100.0% | - |
These companies have the same main activity as L & B SCHELDE: warehousing and support activities for transportation (NACE 52220). They are comparable in size and age: total assets between €3,880 and €43,800, founded between 1991 and 2010.
Official details
Source: KBO- Status
- Active since 22-01-1998Normal situation
- Registered office
- 37 active companies are registered at this address1 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Warehousing and support activities for transportationNACE 52220and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 23-01-2026
Insights on L & B SCHELDE
L & B SCHELDE files the micro format. That format states no turnover. The gross margin fell from -€3,487 in 2006 to -€4,625 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about L & B SCHELDE
- What is the company number of L & B SCHELDE?
- The company number of L & B SCHELDE is 0462.502.334. The VAT number is the same number with BE in front: BE 0462.502.334.
- Where is L & B SCHELDE based?
- The registered office is at Nederzwijnaarde 2, 9052 Ghent.Company details
- What does L & B SCHELDE do?
- According to the KBO register, the main activity is warehousing and support activities for transportation (NACE 52220).
- What is the legal form of L & B SCHELDE?
- L & B SCHELDE is a private limited company (BV).
- When was L & B SCHELDE founded?
- L & B SCHELDE was founded on 22-01-1998.
- Is L & B SCHELDE still active?
- Yes, L & B SCHELDE is an active enterprise in the KBO register.
- What is the turnover of L & B SCHELDE?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is L & B SCHELDE profitable?
- In financial year 2025, L & B SCHELDE made a loss of €6,532.
- Where can I find the annual accounts of L & B SCHELDE?
- L & B SCHELDE filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of L & B SCHELDE due?
- L & B SCHELDE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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