MELINA BERGEN
ActiveMELINA BERGEN has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €-23k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 25% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-17
Solvency52▼-10
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 2.06 in 2024; short-term debt: 10.1% and cash: 0% of total assets), and 73.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
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
26.6%
Return on assets
-7.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-23k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
24 d late
2022
31 d late
2021
29 d late
2020
31 d late
2019
92 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€83k
EBIT margin
20.6%
Net result
€-23k▼ 226%
2024 · €-7k
2018: €17k
2019: €9k
2020: €15k
2021: €8k
2022: €8k
2023: €5k
2024: €-7k
2018 → 2025
Working capital
€838▼ 96.5%
2024 · €24k
2018: €44k
2019: €24k
2020: €12k
2021: €15k
2022: €19k
2023: €15k
2024: €24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€83k
Equity€110k-€118k▲ 7.2%€123k▲ 4.4%€116k▼ 5.6%€77k▼ 34.0%
Operating result€15k-€17k▲ 10.7%€13k▼ 25.5%€-3k€-20k▼ 614%
Net result€8k-€8k▲ 3.6%€5k▼ 34.8%€-7k€-23k▼ 226%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €20k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €288k
Fixed assets
€258k▼ 2.3%
Current assets
€30k▼ 36.2%
Equity and liabilities €288k
Equity
€77k▼ 34.0%
Debt
€211k▲ 8.4%
The debt ratio rises from 62.7% to 73.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-12k▼
2024 · €5k
Cash flow
€-15k▼
2024 · €376
Solvency
26.6%▼
2024 · 37.3%
Current ratio
1.03▼
2024 · 2.06
Quick ratio
1.03▼
2024 · 2.06
Debt / equity
2.76▲
2024 · 1.68
ROE
-29.4%▼
2024 · -5.9%
ROA
-7.8%▼
2024 · -2.2%
Interest coverage
-3.65▼
2024 · 1.14
Debt
€211k▲
2024 · €195k
Debt ≤ 1 year
€29k▲
2024 · €23k
Debt > 1 year
€182k▲
2024 · €172k
Income taxes
€0▼
2024 · €199
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€311k€288k▼
Fixed assets21/28€264k€258k▼
Tangible fixed assets22/27€264k€258k▼
Land and buildings22€263k€257k▼
Plant, machinery and equipment23€344€103▼
Furniture and vehicles24€800€443▼
Current assets29/58€47k€30k▼
Amounts receivable within one year40/41€23k€30k▲
Trade receivables40€8k€157▼
Other amounts receivable41€15k€30k▲
Cash at bank and in hand54/58€24k€0▼
Deferred charges and accrued income490/1€98€0▼
Equity and liabilities
Total equity and liabilities10/49€311k€288k▼
Equity10/15€116k€77k▼
Contributions10/11€12k€12k=
Reserves13€110k€93k▼
Distributable reserves133€110k€93k▼
Profit (loss) carried forward14€-6k€-28k▼
Amounts payable17/49€195k€211k▲
Amounts payable after more than one year17€172k€182k▲
Financial debts170/4€172k€182k▲
Amounts payable within one year42/48€23k€29k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Financial debts43€9k€281▼
Credit institutions430/8€9k€281▼
Trade debts44€413€1k▲
Suppliers440/4€413€1k▲
Taxes, remuneration and social security45-€848
Taxes450/3-€848
Other amounts payable47/48€2k€16k▲
Accrued charges and deferred income492/3€61€182▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€1k€400▼
Gross operating margin9900€6k€-12k▼
Operating profit (loss)9901€-3k€-20k▼
Financial income75/76B€8€539▲
Recurring financial income75€8€539▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€-7k€-23k▼
Income taxes67/77€199€0▼
Profit (loss) for the period9904€-7k€-23k▼
Profit (loss) for the period to be appropriated9905€-7k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-28k▼
Profit (loss) brought forward from the previous period14P€1k€-6k▼
Transfer from equity791/2-€17k
Profit to be distributed694/7-€17k
Return on contributions (dividend)694-€17k
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €100kEq €102k ▲17.5%
3 profitable years in a row build equity to €102k.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Merchtem · 1 establishment unit since 2014
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.
Lindestraat 881785 MerchtemGround area
1,159 m²
Building footprint
271 m²
Volume, LiDAR
615 m³
2 parcels, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Platanenlaan 10, 1840 Londerzeel
since 20142.226.956.979
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23028A0176/00K000 | Flanders | 1,000 m² | 1 · 179 m² | 0.1 m |
| 23045F0076/00Z003 | Flanders | 159 m² | 1 · 92 m² | 10.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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MICHEL MARNEFFE Huissier de Justice
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Of 1,020 companies in sector 69103 we hold annual accounts for 611. 426 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2014
Fiscal year end31-12
Activities, NACEBEL
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.