Summary
MELIOR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.7m and a net result of €147,830. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 1502 sector peers (fiscal year 2025). The company has been active since 2010 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
28 d late
2023
28 d late
2022
31 d late
2021
30 d late
2020
29 d early
2019
42 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 21 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€3.7m▼ 10.8%
2024 · €4.2m
Net result
€147,830▲ 38.5%
2024 · €106,753
Total assets
€4.9m▲ 1.8%
2024 · €4.9m
Solvency
75.6%▼ 10.6pp
2024 · 86.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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
Line20212022202320242025
Operating result€1.8m▲ 595%€74,674▼ 95.7%€93,674▲ 25.4%€108,298▲ 15.6%€76,021▼ 29.8%
Net result€2.1mabove the sector's middle half▲ 454%€24,152within the sector's middle half▼ 98.8%€162,128within the sector's middle half▲ 571%€106,753within the sector's middle half▼ 34.2%€147,830within the sector's middle half▲ 38.5%
Equity€4.1mabove the sector's middle half▲ 101%€4.0mabove the sector's middle half▼ 3.0%€4.1mabove the sector's middle half▲ 3.0%€4.2mabove the sector's middle half▲ 2.6%€3.7mabove the sector's middle half▼ 10.8%
Total assets€4.7mabove the sector's middle half▲ 81.3%€4.4mabove the sector's middle half▼ 6.6%€4.8mabove the sector's middle half▲ 9.8%€4.9mabove the sector's middle half▲ 1.8%€4.9mabove the sector's middle half▲ 1.8%
Debt€493,936▲ 6.5%€309,541▼ 37.3%€616,477▲ 99.2%€594,112▼ 3.6%€1.1m▲ 90.7%
Working capital€3.5mabove the sector's middle half▲ 190%€3.4mabove the sector's middle half▼ 3.8%€3.2mabove the sector's middle half▼ 5.7%€3.4mabove the sector's middle half▲ 7.1%€3.1mabove the sector's middle half▼ 9.9%
Solvency87.8%above the sector's middle half▲ 8.7pp91.2%above the sector's middle half▲ 3.4pp85.6%above the sector's middle half▼ 5.6pp86.3%above the sector's middle half▲ 0.7pp75.6%above the sector's middle half▼ 10.6pp
Current ratio9.91above the sector's middle half▲ 5.4115.94above the sector's middle half▲ 6.0255.22above the sector's middle half▲ 39.2864.80above the sector's middle half▲ 9.586.06above the sector's middle half▼ 58.74
Return on assets (ROA)44.2%above the sector's middle half▲ 29.7pp0.6%below the sector's middle half▼ 43.7pp3.4%within the sector's middle half▲ 2.8pp2.2%within the sector's middle half▼ 1.2pp3.0%within the sector's middle half▲ 0.8pp
Staff (FTE)0.9below the sector's middle half▲ 12.5%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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.
Why a figure moved sharply
- 2023 Net result +571% on 2022. The accounts now follow the abbreviated schema, last year the micro schema.
- 2022 Net result -99% on 2021. The accounts now follow the micro schema, last year the abbreviated schema.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.9m
Fixed assets
€1.3m ▼ 9.5%
Current assets
€3.7m ▲ 6.3%
Equity and liabilities €4.9m
Equity
€3.7m ▼ 10.8%
Provisions
€73,021 =
Debt
€1.1m ▲ 90.7%
Debt's share of the balance-sheet total rises from 12.2% to 22.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
3.9%▲
2024 · 2.5%
Debt ≤ 1 year
€609,910▲
2024 · €53,657
Debt > 1 year
€522,834▼
2024 · €540,455
Income taxes
€30,315▼
2024 · €44,586
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €1.5m | €0 | - | - | - | - |
| Remuneration, social security and pensions62 | €28,132 | €167 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,297 | €12,006 | €12,277 | €12,277 | €12,277 | = |
| Other operating charges640/8 | €2,700 | €2,743 | €3,302 | €3,424 | €3,531 | ▲ 3.1% |
| Gross operating margin9900 | €1.8m | €89,590 | €109,253 | €123,998 | €91,828 | ▼ 25.9% |
| Operating profit (loss)9901 | €1.8m | €74,674 | €93,674 | €108,298 | €76,021 | ▼ 29.8% |
| Financial income75/76B | €592,322 | €7,056 | €95,110 | €76,761 | €132,620 | ▲ 72.8% |
| Recurring financial income75 | €592,322 | €7,056 | €95,110 | €76,761 | €132,620 | ▲ 72.8% |
| Financial charges65/66B | €14,569 | €38,727 | -€13,750 | €33,719 | €30,496 | ▼ 9.6% |
| Recurring financial charges65 | €14,569 | €38,727 | -€13,750 | €33,719 | €30,496 | ▼ 9.6% |
| Profit (loss) for the period before taxes9903 | €2.3m | €43,003 | €202,534 | €151,339 | €178,145 | ▲ 17.7% |
| Income taxes67/77 | €269,023 | €18,851 | €40,406 | €44,586 | €30,315 | ▼ 32.0% |
| Profit (loss) for the period9904 | €2.1m | €24,152 | €162,128 | €106,753 | €147,830 | ▲ 38.5% |
| Transfer from tax-exempt reserves789 | €93,304 | €42,720 | €0 | €42,100 | €0 | ▼ 100% |
| Transfer to tax-exempt reserves689 | €0 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €2.2m | €66,872 | €162,128 | €148,853 | €147,830 | ▼ 0.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.7m | €4.4m | €4.8m | €4.9m | €4.9m | ▲ 1.8% |
| Fixed assets21/28 | €742,669 | €735,561 | €1.5m | €1.4m | €1.3m | ▼ 9.5% |
| Tangible fixed assets22/27 | €124,269 | €117,161 | €104,884 | €92,608 | €80,331 | ▼ 13.3% |
| Land and buildings22 | €124,269 | €112,972 | €101,675 | €90,378 | €79,081 | ▼ 12.5% |
| Furniture and vehicles24 | - | €4,189 | €3,209 | €2,230 | €1,250 | ▼ 43.9% |
| Financial fixed assets28 | €618,400 | €618,400 | €1.4m | €1.3m | €1.2m | ▼ 9.3% |
| Current assets29/58 | €3.9m | €3.6m | €3.3m | €3.5m | €3.7m | ▲ 6.3% |
| Amounts receivable within one year40/41 | €2.2m | €128,487 | €64,224 | €35,774 | €38,565 | ▲ 7.8% |
| Trade receivables40 | €47,290 | €128,272 | €62,778 | €32,511 | €33,475 | ▲ 3.0% |
| Other amounts receivable41 | €2.1m | €215 | €1,447 | €3,263 | €5,090 | ▲ 56.0% |
| Current investments50/53 | €148,297 | €618,427 | €2.8m | €2.5m | €1.8m | ▼ 27.4% |
| Cash at bank and in hand54/58 | €1.6m | €2.9m | €402,657 | €904,312 | €1.8m | ▲ 101% |
| Deferred charges and accrued income490/1 | €33 | €0 | €15,515 | €13,975 | €3,986 | ▼ 71.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.7m | €4.4m | €4.8m | €4.9m | €4.9m | ▲ 1.8% |
| Equity10/15 | €4.1m | €4.0m | €4.1m | €4.2m | €3.7m | ▼ 10.8% |
| Contributions10/11 | €212,100 | €212,100 | €212,100 | €212,100 | €212,100 | = |
| Reserves13 | €3.9m | €3.8m | €3.9m | €4.0m | €3.5m | ▼ 11.3% |
| Non-distributable reserves130/1 | €21,210 | €21,210 | €0 | - | - | - |
| Reserves not available under the articles1311 | €21,210 | €21,210 | €0 | - | - | - |
| Tax-exempt reserves132 | €84,820 | €42,100 | €42,100 | €0 | - | - |
| Distributable reserves133 | €3.8m | €3.7m | €3.8m | €4.0m | €3.5m | ▼ 11.3% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €73,021 | €73,021 | €73,021 | €73,021 | €73,021 | = |
| Provisions for liabilities and charges160/5 | €73,021 | €73,021 | €73,021 | €73,021 | €73,021 | = |
| Pensions and similar obligations160 | €49,021 | €49,021 | €49,021 | €49,021 | €49,021 | = |
| Major repairs and maintenance162 | €24,000 | €24,000 | €24,000 | €24,000 | €24,000 | = |
| Amounts payable17/49 | €493,936 | €309,541 | €616,477 | €594,112 | €1.1m | ▲ 90.7% |
| Amounts payable after more than one year17 | €90,057 | €74,049 | €557,521 | €540,455 | €522,834 | ▼ 3.3% |
| Financial debts170/4 | €90,057 | €74,049 | €557,521 | €540,455 | €522,834 | ▼ 3.3% |
| Amounts payable within one year42/48 | €395,337 | €226,950 | €58,957 | €53,657 | €609,910 | ▲ 1,037% |
| Current portion of amounts payable after more than one year42 | €15,504 | €16,008 | €16,528 | €17,066 | €17,621 | ▲ 3.3% |
| Financial debts43 | €10,000 | €0 | - | - | - | - |
| Credit institutions430/8 | €10,000 | €0 | - | - | - | - |
| Trade debts44 | €11,186 | €7,661 | €4,559 | €5,390 | €3,078 | ▼ 42.9% |
| Suppliers440/4 | €11,186 | €7,661 | €4,559 | €5,390 | €3,078 | ▼ 42.9% |
| Taxes, remuneration and social security45 | €195,221 | €202,324 | €35,946 | €20,409 | €14,333 | ▼ 29.8% |
| Taxes450/3 | €195,221 | €202,324 | €35,946 | €20,409 | €14,333 | ▼ 29.8% |
| Remuneration and social security454/9 | €0 | - | - | - | - | - |
| Other amounts payable47/48 | €163,425 | €957 | €1,923 | €10,793 | €574,878 | ▲ 5,226% |
| Accrued charges and deferred income492/3 | €8,542 | €8,542 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2.1m | €24,152 | €162,128 | €106,753 | €147,830 | ▲ 38.5% |
| + Depreciation and write-downs630 | €11,297 | €12,006 | €12,277 | €12,277 | €12,277 | = |
| Operating cash flow (approximation) | €2.1m | €36,157 | €174,404 | €119,030 | €160,107 | ▲ 34.5% |
| Investment in fixed assets (approximation) | - | -€4,897 | -€800,000 | €125,000 | €120,000 | ▼ 4.0% |
| Change in cash | - | €1.3m | -€2.5m | €501,655 | €916,988 | ▲ 82.8% |
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 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 55.22
Current ratio from 15.94 to 55.22; short-term debt falls from €226,950 to €58,957.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €24,152 ▼98.8%
Net result drops to €24,152, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €2.1m ▲454%
Operating result €1.8m, net result €2.1m, both a record.
31-12
Financial
Liquidity doublescurrent ratio 9.91
Current ratio from 4.50 to 9.91.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €2mEq €2.0m ▲18.2%
3 profitable years in a row build equity to €2.0m.
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 42 days late
Show earlier events
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Gent · 1 establishment unit since 2010
Ground area
465 m²
Building footprint
143 m²
Volume, LiDAR
815 m³
Parcel 44811L0011/00N003, Flanders · tallest building 10.2 m, ±1 floor. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Jan Delvinlaan 98, 9000 Gent
since 20102.188.104.422
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44811L0011/00N003 | Flanders | 465 m² | 1 · 143 m² | 10.2 m · 1 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.
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Of 853 companies in sector 66210 we hold annual accounts for 511. 117 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
Founded07-04-2010
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0824746161
Registered
19-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.