Scheldesteen
ActiveScheldesteen has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €403k and a net result of €74k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 33% of 31292 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability92▼-8
Solvency42▲+11
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity short (current ratio 0.34 against 0.28 in 2024), and 66.1% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
33.9%
Return on assets
6.2%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-04-2026, 20 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
20 d early
2024
1 d early
2023
8 d early
2022
23 d early
2021
22 d early
2020
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
09-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€403k▲ 22.4%
2024 · €329k
2020: €232k
2021: €214k
2022: €156k
2023: €246k
2024: €329k
2020 → 2025
Total assets
€1.19M▼ 1.0%
2024 · €1.20M
2020: €299k
2021: €663k
2022: €1.18M
2023: €1.19M
2024: €1.20M
2020 → 2025
Net result
€74k▼ 10.8%
2024 · €83k
2020: €-3k
2021: €-18k
2022: €-57k
2023: €90k
2024: €83k
2020 → 2025
Working capital
€-220k▲ 8.5%
2024 · €-241k
2020: €-20k
2021: €-195k
2022: €-290k
2023: €-246k
2024: €-241k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€214k-€156k▼ 26.8%€246k▲ 57.5%€329k▲ 33.6%€403k▲ 22.4%
Operating result€-17k-€-54k▼ 221%€115k€136k▲ 18.4%€124k▼ 9.0%
Net result€-18k-€-57k▼ 218%€90k€83k▼ 8.1%€74k▼ 10.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.19M
Fixed assets
€1.07M▼ 3.0%
Current assets
€115k▲ 22.4%
Equity and liabilities €1.19M
Equity
€403k▲ 22.4%
Debt
€785k▼ 9.9%
The debt ratio falls from 72.6% to 66.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€164k▼
2024 · €175k
Cash flow
€113k▼
2024 · €122k
Solvency
33.9%▲
2024 · 27.4%
Current ratio
0.34▲
2024 · 0.28
Quick ratio
0.34▲
2024 · 0.28
Debt / equity
1.95▼
2024 · 2.65
ROE
18.3%▼
2024 · 25.1%
ROA
6.2%▼
2024 · 6.9%
Interest coverage
7.93▼
2024 · 8.44
Debt
€785k▼
2024 · €871k
Debt ≤ 1 year
€335k▲
2024 · €335k
Debt > 1 year
€427k▼
2024 · €515k
Income taxes
€30k▼
2024 · €33k
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€1.20M€1.19M▼
Fixed assets21/28€1.11M€1.07M▼
Tangible fixed assets22/27€1.11M€1.07M▼
Land and buildings22€1.08M€1.05M▼
Furniture and vehicles24€24k€24k▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€94k€115k▲
Amounts receivable within one year40/41€24k€20k▼
Trade receivables40€24k€20k▼
Other amounts receivable41€2€2=
Cash at bank and in hand54/58€68k€94k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.19M▼
Equity10/15€329k€403k▲
Contributions10/11€235k€235k=
Reserves13€94k€168k▲
Distributable reserves133€94k€168k▲
Amounts payable17/49€871k€785k▼
Amounts payable after more than one year17€515k€427k▼
Financial debts170/4€515k€427k▼
Amounts payable within one year42/48€335k€335k▲
Current portion of amounts payable after more than one year42€87k€88k▲
Trade debts44€4k€638▼
Suppliers440/4€4k€638▼
Taxes, remuneration and social security45€19k€15k▼
Taxes450/3€19k€15k▼
Other amounts payable47/48€224k€232k▲
Accrued charges and deferred income492/3€21k€23k▲
Income statement
Code20242025
Non-recurring operating income76A€9k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€40k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€178k€167k▼
Operating profit (loss)9901€136k€124k▼
Financial income75/76B€1€51▲
Recurring financial income75€1€51▲
Financial charges65/66B€21k€21k▼
Recurring financial charges65€21k€21k▼
Profit (loss) for the period before taxes9903€116k€104k▼
Income taxes67/77€33k€30k▼
Profit (loss) for the period9904€83k€74k▼
Profit (loss) for the period to be appropriated9905€83k€74k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€74k▼
Transfer to equity691/2€83k€74k▼
To other reserves6921€83k€74k▼
The notes to these accounts (6 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
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €90k
Net result €90k after 3 loss-making years.
30-09
Financial
Equity above €200kEq €246k ▲57.5%
Equity rises from €156k to €246k.
07-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-57k
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
08-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Oudenaarde · 1 establishment unit since 2019
Ground area
925 m²
Building footprint
208 m²
Volume, LiDAR
1,116 m³
Parcel 45503A0567/00Z000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Scheldesteen
since 20192.293.531.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45503A0567/00Z000 | Flanders | 925 m² | 1 · 207 m² | 9.6 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.
Similar companies · same sector, comparable size
WARLAND Fin
BE 0825.437.138
Malmedy · Eq €403k
RED Consult
BE 0828.037.233
Braine-l'Alleud · Eq €403k
MATHURIN KEVIN HOLDING
BE 0739.587.089
Sint-Pieters-Woluwe · Eq €403k
AnnDers
BE 0533.746.557
Geel · Eq €403k
OCTOPUS & CO
BE 0472.338.629
Merelbeke-Melle · Eq €403k
Of 82,169 companies in sector 70200 we hold annual accounts for 52,388. 36,218 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2019
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.