Summary
SCHELDEX 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 €44,142 and a net result of €39,142. Its solvency ranks better than 61% of 3,041 sector peers (NACE 66, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Risk and damage evaluation
NACE 66210
1 site
Size
≈ €160,000turnover 2025, estimated
- Equity
- €44,142
- Profit
- €39,142
Turnover estimated from the gross margin
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Signalsraises riskYoung companyneutralLatest accounts filed on timeShow the evidence
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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises riskneutral
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
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 12-05-2026, 80 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
80 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: SCHELDEMAN, Yves Oscar Maurice…
Financials · financial year 2025, micro format
Equity
€44,142
Net result
€39,142
Total assets
€71,751
Solvency
61.5%
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
Assets €71,751
Fixed assets
€2,375
Current assets
€69,376
Equity and liabilities €71,751
Equity
€44,142
Debt
€27,610
Debt finances 38.5% of the balance-sheet total.
Key figures and ratios
ROE
88.7%
ROA
54.6%
Debt ≤ 1 year
€27,610
Income taxes
€10,093
Annual accounts
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €731 |
| Other operating charges640/8 | €50 |
| Gross operating margin9900 | €51,821 |
| Operating profit (loss)9901 | €51,040 |
| Financial charges65/66B | €1,805 |
| Recurring financial charges65 | €1,805 |
| Profit (loss) for the period before taxes9903 | €49,235 |
| Income taxes67/77 | €10,093 |
| Profit (loss) for the period9904 | €39,142 |
| Profit (loss) for the period to be appropriated9905 | €39,142 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €71,751 | |
| Fixed assets21/28 | €2,375 | |
| Tangible fixed assets22/27 | €2,280 | |
| Plant, machinery and equipment23 | €2,280 | |
| Financial fixed assets28 | €95 | |
| Current assets29/58 | €69,376 | |
| Amounts receivable within one year40/41 | €8,024 | |
| Trade receivables40 | €8,024 | |
| Cash at bank and in hand54/58 | €56,680 | |
| Deferred charges and accrued income490/1 | €4,672 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €71,751 | |
| Equity10/15 | €44,142 | |
| Contributions10/11 | €5,000 | |
| Reserves13 | €39,142 | |
| Distributable reserves133 | €39,142 | |
| Amounts payable17/49 | €27,610 | |
| Amounts payable within one year42/48 | €27,610 | |
| Trade debts44 | €1,245 | |
| Suppliers440/4 | €1,245 | |
| Taxes, remuneration and social security45 | €15,314 | |
| Taxes450/3 | €15,314 | |
| Other amounts payable47/48 | €11,050 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €39,142 |
| + Depreciation and write-downs630 | €731 |
| Operating cash flow (approximation) | €39,872 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 12-05-2026 | 2026-00108632 |
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Of the 846 active companies whose main activity is risk and damage evaluation (NACE 66210), figures are known for 530. 406 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
1 director, no change since 2024
SCHELDEMAN, Yves Oscar Maurice
CurrentDirector · since 01-07-2024
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Mandate history
1 person since 2024, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| SCHELDEMAN, Yves Oscar Maurice |
|
Owners and capital
Capital and shareholders
Shareholders according to the deeds
At incorporation
act of 01-07-2024 ↗
- SCHELDEMAN, Yves Oscar Maurice 100 shares (100%) · €5,000
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 01-07-2024 Incorporation · €5,000 · 100 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
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Shareholding
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History
Acts, filings and financial milestones
2026
12-05
NBB filing
Annual accounts filed
financial year 2025 · micro format
2024
01-07
Gazette deed
IncorporationAppointment: SCHELDEMAN, Yves Oscar Maurice (director) · Founder · Founding capital9 facts ▸
Gazette deed
Incorporation
Appointment: SCHELDEMAN, Yves Oscar Maurice (director) · Founder · Founding capital9 facts ▸
- Founder, SCHELDEMAN, Yves Oscar Maurice
- Other provision, “huwelijksstelsel, wettelijk stelsel” (deed in Dutch)
- Incorporation, “SCHELDEX” (deed in Dutch)
- Founding capital, €5,000
- Other provision, “financieel plan, faillissement binnen 3 jaar na verkrijging rechtspersoonlijkheid” (deed in Dutch)
- Bank account, “voor oprichting, BE61 7370 7573 5017” (deed in Dutch)
- Other provision, “bewijs van deponering, 1 maand” (deed in Dutch)
- Registered office clause, “9860 Scheldewindeke,Spiegel 9” (deed in Dutch)
- Director appointment, SCHELDEMAN, Yves Oscar Maurice (director)
Gazette deedNBB filing
1 of 1 deed read
Register details
Identification
Legal formPrivate limited company
Founded27-06-2024
Financial year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
E-invoicing
Reachable via Peppol
Peppol ID
0208:1010821063
Also
9925:BE1010821063
Registered
31-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 31 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Oosterzele · 1 establishment unit since 2024
Ground area
1,695 m²
Building footprint
187 m²
Building volume
1,026 m³
Parcel 44059A0390/00P000, Flanders · tallest building 8.5 m. Linked by address, not a title deed.
1 establishment unit
SCHELDEX
since 2024unit no. 2.361.568.829
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44059A0390/00P000 | Flanders | 1,695 m² | 1 · 187 m² | 8.4 m · 2 |
How the parcels are linked
Good to know
The parcel matches the address exactly.
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Alle handelingen of daden te stellen die rechtstreeks of onrechtstreeks verband houden met het uitoefenen van het beroep van schade- en…” (deed in Dutch)
18 activities (deed in Dutch)
- Alle handelingen of daden te stellen die rechtstreeks of onrechtstreeks verband houden met het uitoefenen van het beroep van schade- en risico-expert, het schatten en evalueren van onroerende goederen, het verlenen van bouwkundige adviezen aan de bouwheer, het uitvoeren van studies en het verlenen van advies in verband met stedenbouwkundige planning en landschapsarchitectuur, binnenhuisarchitect
- Bouwrijp maken van terreinen
- Coördinatie van werven en projecten
- Uitvoeren van studies
- Aannemer van alle mogelijke bouw-, inrichtings- en dakwerken, zowel voor eigen rekening als voor rekening van derden en dit zowel voor bedrijven, overheden als particulieren
- Aan- en verkoop, zowel in het groot als in het klein, van alle mogelijke bouwstoffen en andere goederen
- Verhuur van roerende goederen voor gebruik in de bouwsector
- Verlenen van adviezen aan derden, al dan niet actief in de bouwsector
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen
- Alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden, het aankopen, verkopen, ruilen, bouwen, verbouwen, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen
- De aan- en verkoop, huur en verhuur van roerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen, alsmede zich borg te stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze roerende en onroerende goederen
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend patrimonium, alle verrichtingen met betrekking tot roerende goederen en rechten, van welke aard ook, zoals het verwerven door inschrijving of aankoop en het beheren van aandelen, obligaties, kasbons of andere roerende waarden, van welke vorm ook, van Belgische of buitenlandse, bestaande of nog op te richten rechtspersonen en ondernemingen
- Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen, het stimuleren, de planning, de coördinatie, de ontwikkeling van en de investering in rechtspersonen en ondernemingen waarin zij al of niet een participatie aanhoudt
- Het toestaan van leningen en kredietopeningen aan rechtspersonen en ondernemingen of particulieren, onder om het even welke vorm; in dit kader kan zij zich ook borg stellen of haar aval verlenen, in de meest ruime zin, alle handels- en financiële operaties verrichten behalve die wettelijk voorbehouden zijn aan depositobanken, houders van deposito's op korte termijn, spaarkassen, hypotheekmaatschappijen en kapitalisatieondernemingen
- Het verlenen van adviezen van financiële, technische commerciële of administratieve aard; in de ruimste zin, met uitzondering van adviezen inzake beleggingen en geldplaatsingen; bijstand en diensten verlenen, rechtstreeks of onrechtstreeks op het vlak van administratie en financiën, verkoop, productie en algemeen bestuur
- Het waarnemen van alle bestuursopdrachten, het uitoefenen van opdrachten en functies
- Het ontwikkelen, kopen, verkopen in licentie nemen of geven van octrooien, knowhow en aanverwante immateriële duurzame activa
- Het verlenen van administratieve prestaties en computerservices
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- SCHELDEX
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, exploitatiezetels,administratieve zetels,filialen,agentschappen,depots in België of buitenland” (deed in Dutch)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Onbepaalde duur bij gebrek bepaling, een of meer bestuurders” (deed in Dutch)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “100, gelijk recht in winstverdeling” (deed in Dutch)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Zelfde formaliteiten toestemming medeaandeelhouders indien geen aandeelhouder van rechtswege, vrij overdragen geheel of deel” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Second Friday of May at 19:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Algemene vergadering, vereist voor statutenwijziging” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Indien geen andere vereffenaar benoemd, bestuurder(s) in functie als vereffenaar(s)” (deed in Dutch)