PROF. DR. B. SCHMELZER
ActivePROF. DR. B. SCHMELZER has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €196k and a net result of €61k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 65% of 16426 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+9
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 4.44 against 4.78 in 2024; short-term debt: 22.4% and cash: 88.7% of total assets), and 22.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77.2%
Return on assets
23.9%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
19 d late
2023
37 d early
2022
34 d early
2021
38 d early
2020
44 d early
2019
28 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€196k▼ 40.4%
2024 · €330k
2018: €166k
2019: €250k
2020: €316k
2021: €334k
2022: €328k
2023: €344k
2024: €330k
2018 → 2025
Total assets
€254k▼ 39.0%
2024 · €417k
2018: €251k
2019: €289k
2020: €347k
2021: €397k
2022: €394k
2023: €374k
2024: €417k
2018 → 2025
Net result
€61k▼ 13.2%
2024 · €70k
2018: €30k
2019: €84k
2020: €66k
2021: €73k
2022: €54k
2023: €45k
2024: €70k
2018 → 2025
Working capital
€196k▼ 40.2%
2024 · €327k
2018: €154k
2019: €241k
2020: €304k
2021: €322k
2022: €323k
2023: €339k
2024: €327k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€334k-€328k▼ 1.7%€344k▲ 4.7%€330k▼ 4.1%€196k▼ 40.4%
Operating result€113k-€75k▼ 33.4%€77k▲ 2.1%€94k▲ 22.0%€90k▼ 4.4%
Net result€73k-€54k▼ 25.9%€45k▼ 17.1%€70k▲ 55.2%€61k▼ 13.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €254k
Fixed assets
€2k▼ 39.4%
Current assets
€253k▼ 39.0%
Equity and liabilities €254k
Equity
€196k▼ 40.4%
Debt
€58k▼ 33.5%
The debt ratio rises from 20.9% to 22.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€91k▼
2024 · €96k
Cash flow
€62k▼
2024 · €72k
Solvency
77.2%▼
2024 · 79.1%
Current ratio
4.44▼
2024 · 4.78
Quick ratio
4.44▼
2024 · 4.78
Debt / equity
0.29▲
2024 · 0.26
ROE
31.0%▲
2024 · 21.2%
ROA
23.9%▲
2024 · 16.8%
Interest coverage
86.34▲
2024 · 59.55
Debt
€58k▼
2024 · €87k
Debt ≤ 1 year
€57k▼
2024 · €87k
Income taxes
€30k▲
2024 · €23k
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€417k€254k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€868€96▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€414k€253k▼
Amounts receivable within one year40/41€24k€24k▲
Trade receivables40€10k€18k▲
Other amounts receivable41€14k€7k▼
Cash at bank and in hand54/58€388k€226k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€417k€254k▼
Equity10/15€330k€196k▼
Contributions10/11€19k€19k=
Reserves13€311k€178k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€309k€176k▼
Amounts payable17/49€87k€58k▼
Amounts payable within one year42/48€87k€57k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48€80k€51k▼
Accrued charges and deferred income492/3€549€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€97k€92k▼
Operating profit (loss)9901€94k€90k▼
Financial income75/76B€628€2k▲
Recurring financial income75€628€2k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€93k€90k▼
Income taxes67/77€23k€30k▲
Profit (loss) for the period9904€70k€61k▼
Profit (loss) for the period to be appropriated9905€70k€61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€61k▼
Transfer from equity791/2€84k€194k▲
Transfer to equity691/2€70k€61k▼
To other reserves6921€70k€61k▼
Profit to be distributed694/7€84k€194k▲
Return on contributions (dividend)694€84k€194k▲
The notes to these accounts (5 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €84k ▲183%
Operating result €115k, net result €84k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 7.19
Current ratio from 2.81 to 7.19; short-term debt falls from €85k to €39k.
31-12
Financial
Equity above €200kEq €250k ▲50.7%
2 profitable years in a row build equity to €250k.
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Wommelgem · 1 establishment unit since 2013
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.
Rooibos 42160 WommelgemGround area
779 m²
Building footprint
182 m²
Volume, LiDAR
1,215 m³
Parcel 11052D0002/00A004, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PROF. DR. B. SCHMELZER
since 20132.225.014.011
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052D0002/00A004 | Flanders | 779 m² | 1 · 182 m² | 10.6 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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Of 16,623 companies in sector 86220 we hold annual accounts for 7,972. 6,727 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2013
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.