Summary
MELDEX is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €65,347 and a net result of €69,938. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 10% of 119 sector peers (fiscal year 2026). The company has been active since 2013 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 119 sector peers (2026).
NBB · sector comparisonPosition among 119 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 31-08-2026, 61 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
61 d early
2025
31 d early
2024
69 d early
2023
35 d early
2022
3 d late
2021
3 d early
2020
75 d late
← 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 17 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 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-03-2027 close31-10-2027 deadline
History
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Financials · fiscal year 2026, abbreviated schema
Equity
€65,347
2025 · -€4,591
Net result
€69,938
2025 · -€48,746
Total assets
€1.1m▲ 0.5%
2025 · €1.1m
Solvency
6.0%▲ 6.4pp
2025 · -0.4%
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
Line20222023202420252026
Operating result€6,444▼ 70.4%€17,092▲ 165%€15,150▼ 11.4%-€33,226€132,665
Net result€3,588below the sector's middle half▼ 81.8%€7,943within the sector's middle half▲ 121%€184below the sector's middle half▼ 97.7%-€48,746below the sector's middle half€69,938
Equity€36,027below the sector's middle half▲ 11.1%€43,971within the sector's middle half▲ 22.0%€44,154below the sector's middle half▲ 0.4%-€4,591below the sector's middle half€65,347
Total assets€64,290below the sector's middle half▲ 25.8%€71,392below the sector's middle half▲ 11.0%€334,817below the sector's middle half▲ 369%€1.1mwithin the sector's middle half▲ 223%€1.1m▲ 0.5%
Debt€28,263▲ 51.4%€27,421▼ 3.0%€290,663▲ 960%€1.1m▲ 273%€1.0m▼ 5.9%
Working capital-€18,047▼ 40.8%-€7,829▲ 56.6%-€43,126▼ 451%-€120,978▼ 181%-€96,236▲ 20.5%
Solvency56.0%within the sector's middle half▼ 7.4pp61.6%within the sector's middle half▲ 5.6pp13.2%below the sector's middle half▼ 48.4pp-0.4%below the sector's middle half▼ 13.6pp6.0%▲ 6.4pp
Staff (FTE)0within the sector's middle half0within the sector's middle half0
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.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2026: €132,665 after a loss of €33,226 in 2025, the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.1m
Fixed assets
€1.0m ▼ 2.9%
Current assets
€56,360 ▲ 185%
Equity and liabilities €1.1m
Equity
€65,347
Debt
€1.0m
Debt finances 94.0% of the balance-sheet total.
Key figures and ratios
ROE
107.0%
ROA
6.4%▲
2025 · -4.5%
Debt ≤ 1 year
€152,596▲
2025 · €140,732
Debt > 1 year
€868,106▼
2025 · €944,502
Income taxes
€20,257▲
2025 · €768
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €3,306 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €984 | €2,275 | €3,622 | €48,884 | €31,200 | ▼ 36.2% |
| Other operating charges640/8 | €1,210 | €2,189 | €3,148 | €6,558 | €3,842 | ▼ 41.4% |
| Non-recurring operating charges66A | - | - | €0 | - | - | - |
| Gross operating margin9900 | €8,638 | €21,557 | €21,919 | €22,216 | €167,706 | ▲ 655% |
| Operating profit (loss)9901 | €6,444 | €17,092 | €15,150 | -€33,226 | €132,665 | ▲ 499% |
| Financial income75/76B | €4 | - | - | - | €1 | - |
| Recurring financial income75 | €4 | - | - | - | €1 | - |
| Financial charges65/66B | €496 | €4,855 | €10,242 | €14,751 | €42,470 | ▲ 188% |
| Recurring financial charges65 | €496 | €469 | €10,242 | €14,751 | €42,470 | ▲ 188% |
| Non-recurring financial charges66B | - | €4,386 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €5,952 | €12,238 | €4,908 | -€47,978 | €90,195 | ▲ 288% |
| Income taxes67/77 | €2,364 | €4,294 | €4,724 | €768 | €20,257 | ▲ 2,537% |
| Profit (loss) for the period9904 | €3,588 | €7,943 | €184 | -€48,746 | €69,938 | ▲ 243% |
| Profit (loss) for the period to be appropriated9905 | €3,588 | €7,943 | €184 | -€48,746 | €69,938 | ▲ 243% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €64,290 | €71,392 | €334,817 | €1.1m | €1.1m | ▲ 0.5% |
| Fixed assets21/28 | €54,395 | €52,119 | €325,488 | €1.1m | €1.0m | ▼ 2.9% |
| Tangible fixed assets22/27 | €9,395 | €7,119 | €30,488 | €765,889 | €734,689 | ▼ 4.1% |
| Land and buildings22 | - | - | - | €762,571 | €733,273 | ▼ 3.8% |
| Furniture and vehicles24 | €9,395 | €7,119 | €30,488 | €3,318 | €1,417 | ▼ 57.3% |
| Financial fixed assets28 | €45,000 | €45,000 | €295,000 | €295,000 | €295,000 | = |
| Current assets29/58 | €9,896 | €19,272 | €9,329 | €19,754 | €56,360 | ▲ 185% |
| Amounts receivable within one year40/41 | €480 | €11,846 | €2,000 | €4,924 | €41,526 | ▲ 743% |
| Trade receivables40 | €480 | €11,846 | €2,000 | €0 | €41,526 | - |
| Other amounts receivable41 | - | - | - | €4,924 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €7,160 | €5,110 | €5,680 | €8,007 | €8,325 | ▲ 4.0% |
| Deferred charges and accrued income490/1 | €2,256 | €2,316 | €1,649 | €6,823 | €6,509 | ▼ 4.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €64,290 | €71,392 | €334,817 | €1.1m | €1.1m | ▲ 0.5% |
| Equity10/15 | €36,027 | €43,971 | €44,154 | -€4,591 | €65,347 | ▲ 1,523% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Capital10 | €20,000 | - | - | - | - | - |
| Issued capital100 | €20,000 | - | - | - | - | - |
| Outside capital11 | - | €20,000 | - | - | - | - |
| Other1109/19 | - | €20,000 | - | - | - | - |
| Reserves13 | €9,860 | €13,860 | €13,860 | €13,860 | €13,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €0 | ▼ 100% |
| Legal reserve130 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €0 | ▼ 100% |
| Distributable reserves133 | €8,000 | €12,000 | €12,000 | €12,000 | €13,860 | ▲ 15.5% |
| Profit (loss) carried forward14 | €6,167 | €10,111 | €10,294 | -€38,451 | €31,487 | ▲ 182% |
| Amounts payable17/49 | €28,263 | €27,421 | €290,663 | €1.1m | €1.0m | ▼ 5.9% |
| Amounts payable after more than one year17 | - | - | €235,992 | €944,502 | €868,106 | ▼ 8.1% |
| Financial debts170/4 | - | - | €135,992 | €844,502 | €768,106 | ▼ 9.0% |
| Other amounts payable178/9 | - | - | €100,000 | €100,000 | €100,000 | = |
| Amounts payable within one year42/48 | €27,943 | €27,101 | €52,456 | €140,732 | €152,596 | ▲ 8.4% |
| Current portion of amounts payable after more than one year42 | €729 | - | €25,341 | €75,490 | €76,396 | ▲ 1.2% |
| Trade debts44 | €6,182 | €4,395 | €8,808 | €29,395 | €9,997 | ▼ 66.0% |
| Suppliers440/4 | €6,182 | €4,395 | €8,808 | €29,395 | €9,997 | ▼ 66.0% |
| Taxes, remuneration and social security45 | €9,077 | €8,923 | €14,308 | €10,393 | €36,039 | ▲ 247% |
| Taxes450/3 | €6,856 | €8,923 | €14,308 | €10,393 | €36,039 | ▲ 247% |
| Remuneration and social security454/9 | €2,221 | - | - | - | - | - |
| Other amounts payable47/48 | €11,955 | €13,782 | €3,998 | €25,454 | €30,163 | ▲ 18.5% |
| Accrued charges and deferred income492/3 | €320 | €320 | €2,215 | €0 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,588 | €7,943 | €184 | -€48,746 | €69,938 | ▲ 243% |
| + Depreciation and write-downs630 | €984 | €2,275 | €3,622 | €48,884 | €31,200 | ▼ 36.2% |
| Operating cash flow (approximation) | €4,572 | €10,219 | €3,805 | €138 | €101,138 | ▲ 73,029% |
| Investment in fixed assets (approximation) | - | €0 | -€276,990 | -€784,285 | €0 | ▲ 100% |
| Change in cash | - | -€2,050 | €570 | €2,326 | €319 | ▼ 86.3% |
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 2027, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-03
Financial
Back to profitnet €69,938
Net result €69,938 after one loss-making year.
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Weakest financial yearnet -€48,746
Net result drops to -€48,746, the lowest in the series; recovery starts the following year.
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 75 days late
2019
21-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
16-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Lommel · 1 establishment unit since 2016
Ground area
2,017 m²
Building footprint
735 m²
Volume, LiDAR
4,847 m³
Parcel 72020C1437/00G037, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Hendrik Heymanstraat 5, 3920 Lommel
since 20162.252.085.127
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C1437/00G037 | Flanders | 2,017 m² | 1 · 735 m² | 7.8 m · 2 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
1 holdingOwners 0
The accounts to 31-03-2026 list no shareholders, and no other source names one.
Holdings 1
-
34.87%
According to the annual accounts to 31-03-2026 of MELDEX 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 11,188 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-02-2013
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0503838586
Registered
12-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.