MELIOR
ActiveMELIOR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €156k and a net result of €174k. Equity is shrinking by ~41% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 38% of 9863 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-03-2025, 127 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
127 d early
2023
54 d early
2022
75 d early
2021
52 d late
2020
26 d early
2019
49 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€156k
2023 · €-17k
2018: €112k
2019: €121k
2020: €63k
2021: €21k
2022: €-16k
2023: €-17k
2018 → 2024
Net result
€174k
2023 · €-851
2018: €68k
2019: €9k
2020: €-64k
2021: €-42k
2022: €-37k
2023: €-851
2018 → 2024
Total assets
€391k▲ 25.2%
2023 · €312k
2018: €146k
2019: €179k
2020: €100k
2021: €44k
2022: €223k
2023: €312k
2018 → 2024
Solvency
40.0%▲ 45.6pp
2023 · -5.5%
2018: 76.9%
2019: 67.5%
2020: 63.3%
2021: 47.3%
2022: -7.4%
2023: -5.5%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€63k-€21k▼ 66.6%€-16k€-17k▼ 5.2%€156k
Operating result€-63k-€-42k▲ 34.2%€-24k▲ 42.0%€8k€203k▲ 2,488%
Net result€-64k-€-42k▲ 34.3%€-37k▲ 10.8%€-851▲ 97.7%€174k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 2,488% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €391k
Fixed assets
€289k▼ 6.2%
Current assets
€102k▲ 2,465%
Equity and liabilities €391k
Equity
€156k
Debt
€234k
Debt finances 60.0% of the balance-sheet total.
Key figures and ratios
Solvency
40.0%▲
2023 · -5.5%
ROE
111.1%
ROA
44.5%▲
2023 · -0.3%
Debt
€234k▼
2023 · €329k
Debt ≤ 1 year
€46k▲
2023 · €31k
Debt > 1 year
€188k▼
2023 · €298k
Income taxes
€23k▲
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€312k€391k▲
Fixed assets21/28€308k€289k▼
Tangible fixed assets22/27€183k€164k▼
Land and buildings22€122k€119k▼
Furniture and vehicles24-€2k
Leasing and similar rights25€61k€43k▼
Financial fixed assets28€125k€125k=
Current assets29/58€4k€102k▲
Amounts receivable after more than one year29-€50k
Trade receivables290-€50k
Stocks and contracts in progress3-€145
Stocks30/36-€145
Amounts receivable within one year40/41-€4k
Trade receivables40-€4k
Cash at bank and in hand54/58€1k€46k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€312k€391k▲
Equity10/15€-17k€156k▲
Contributions10/11€19k€19k=
Reserves13€108k€138k▲
Distributable reserves133€108k€138k▲
Profit (loss) carried forward14€-144k-
Amounts payable17/49€329k€234k▼
Amounts payable after more than one year17€298k€188k▼
Financial debts170/4€119k€95k▼
Other amounts payable178/9€179k€93k▼
Amounts payable within one year42/48€31k€46k▲
Current portion of amounts payable after more than one year42€23k€24k▲
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€388€19k▲
Taxes450/3€388€19k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€22k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€30k€228k▲
Operating profit (loss)9901€8k€203k▲
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€4k€197k▲
Income taxes67/77€5k€23k▲
Profit (loss) for the period9904€-851€174k▲
Profit (loss) for the period to be appropriated9905€-851€174k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-144k€30k▲
Profit (loss) brought forward from the previous period14P€-143k€-144k▼
Transfer to equity691/2-€30k
To other reserves6921-€30k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €174k
Net result €174k after 4 loss-making years.
31-12
Financial
Liquidity times 17current ratio 2.19
Current ratio from 0.13 to 2.19.
31-12
Financial
Equity above €150kEq €156k
Equity rises from €-17k to €156k.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 52 days late
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-64k ▼830%
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-03
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.
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, Damme · 1 establishment unit since 2017
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.
Kasteelstraat 628340 DammeGround area
361 m²
Building footprint
116 m²
Volume, LiDAR
631 m³
Parcel 31019A1031/00G000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Melior
since 20172.262.875.089
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31019A1031/00G000 | Flanders | 361 m² | 1 · 116 m² | 9.1 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.
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LEXSTRACO
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 13,298 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.