MELORIA 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 €89k and a net result of €171k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 13% of 1468 sector peers (fiscal year 2025). The company has been active since 2018 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
Four 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 13% of 1468 sector peers (2025).
NBB · sector comparisonPosition among 1468 sector peers
Solvency
better than 13%
← weakest
strongest →
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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
19 d late
2019
7 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€89k▼ 78.6%
2024 · €418k
2019: €387k
2020: €456k
2021: €576k
2022: €699k
2023: €622k
2024: €418k
2019 → 2025
Net result
€171k▲ 78.1%
2024 · €96k
2019: €381k
2020: €78k
2021: €108k
2022: €123k
2023: €123k
2024: €96k
2019 → 2025
Total assets
€1.76M▲ 50.1%
2024 · €1.17M
2019: €1.09M
2020: €1.55M
2021: €1.56M
2022: €2.15M
2023: €1.48M
2024: €1.17M
2019 → 2025
Solvency
5.1%▼ 30.6pp
2024 · 35.7%
2019: 35.6%
2020: 29.3%
2021: 36.8%
2022: 32.6%
2023: 42.1%
2024: 35.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€576k-€699k▲ 21.3%€622k▼ 11.0%€418k▼ 32.8%€89k▼ 78.6%
Operating result€129k-€273k▲ 111%€263k▼ 3.8%€187k▼ 28.9%€395k▲ 111%
Net result€108k-€123k▲ 13.6%€123k▲ 0.4%€96k▼ 21.9%€171k▲ 78.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 111% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.76M
Fixed assets
€40k▼ 18.7%
Current assets
€1.71M▲ 53.1%
Equity and liabilities €1.76M
Equity
€89k▼ 78.6%
Debt
€1.67M▲ 122%
The debt ratio rises from 64.3% to 94.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
5.1%▼
2024 · 35.7%
ROE
191.6%▲
2024 · 23.0%
ROA
9.8%▲
2024 · 8.2%
Debt
€1.67M▲
2024 · €752k
Debt ≤ 1 year
€1.21M▲
2024 · €588k
Debt > 1 year
€458k▲
2024 · €163k
Income taxes
€70k▲
2024 · €36k
Staff costs
€9k
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€1.17M€1.76M▲
Fixed assets21/28€50k€40k▼
Intangible fixed assets21€749€374▼
Tangible fixed assets22/27€41k€32k▼
Furniture and vehicles24€9k€7k▼
Other tangible fixed assets26€31k€25k▼
Financial fixed assets28€8k€8k=
Current assets29/58€1.12M€1.71M▲
Amounts receivable within one year40/41€878k€1.57M▲
Trade receivables40€807k€338k▼
Other amounts receivable41€71k€1.23M▲
Current investments50/53-€100k
Cash at bank and in hand54/58€242k€47k▼
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.76M▲
Equity10/15€418k€89k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€398k€69k▼
Amounts payable17/49€752k€1.67M▲
Amounts payable after more than one year17€163k€458k▲
Financial debts170/4€163k€458k▲
Amounts payable within one year42/48€588k€1.21M▲
Current portion of amounts payable after more than one year42€70k€100k▲
Trade debts44€255k€473k▲
Suppliers440/4€255k€448k▲
Bills of exchange payable441-€25k
Taxes, remuneration and social security45€46k€1k▼
Taxes450/3€46k-
Remuneration and social security454/9-€1k
Other amounts payable47/48€216k€633k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Remuneration, social security and pensions62-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€13k▲
Other operating charges640/8€49k€6k▼
Gross operating margin9900€246k€423k▲
Operating profit (loss)9901€187k€395k▲
Financial income75/76B€94k€3k▼
Recurring financial income75€94k€3k▼
Financial charges65/66B€149k€156k▲
Recurring financial charges65€149k€156k▲
Profit (loss) for the period before taxes9903€132k€242k▲
Income taxes67/77€36k€70k▲
Profit (loss) for the period9904€96k€171k▲
Profit (loss) for the period to be appropriated9905€96k€171k▲
Appropriation of the result
Profit (loss) to be appropriated9906€698k€569k▼
Profit (loss) brought forward from the previous period14P€601k€398k▼
Profit to be distributed694/7€300k€500k▲
Return on contributions (dividend)694€300k€500k▲
Social balance
Average headcount (FTE)9087-0.5
The notes to these accounts (13 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 · abbreviated schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 1.91
Current ratio from 0.47 to 1.91.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Equity above €500kEq €576k ▲26.4%
3 profitable years in a row build equity to €576k.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 19 days late
2020
31-12
Financial
Weakest financial yearnet €78k ▼79.5%
Net result drops to €78k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Elsene · 1 establishment unit since 2018
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.
Jaargetijdenlaan 901050 ElseneGround area
1,700 m²
Building footprint
855 m²
Volume, LiDAR
6,442 m³
Parcel 21445C0275/00N007, Brussels · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MELORIA
since 20182.276.739.755
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445C0275/00N007 | Brussels | 1,700 m² | 1 · 855 m² | 11.4 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.
Similar companies · same sector, comparable size
K-SERVICES & CONSULTING
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PKF CONSULTING
BE 0544.887.996
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BW FINANCES
BE 0555.858.894
Chastre · Eq €90k
VERHEYEN FINANCE
BE 0477.062.232
Schoten · Eq €88k
CASEN Consult
BE 0792.517.318
Villers-la-Ville · Eq €88k
Of 1,507 companies in sector 66199 we hold annual accounts for 917. 611 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-2018
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
01110Growing of cereals (except rice), leguminous crops and oil seeds
01130Growing of vegetables, melons, roots and tubers
01290Crop and animal production, hunting and related service activities
01500Mixed farming
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.