SCHELDEZICHT 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 €728k and a net result of €251k. Equity is growing by ~68.3% per year across the filed fiscal years. Its solvency ranks better than 29% of 5511 sector peers (fiscal year 2025). The company has been active since 2022 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
Three signals. 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 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
on the day
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€728k▲ 52.6%
2024 · €477k
2022: €23k
2023: €229k
2024: €477k
2022 → 2025
Net result
€251k▲ 1.2%
2024 · €248k
2022: €13k
2023: €207k
2024: €248k
2022 → 2025
Total assets
€2.53M▲ 0.6%
2024 · €2.52M
2022: €2.53M
2023: €2.50M
2024: €2.52M
2022 → 2025
Solvency
28.8%▲ 9.8pp
2024 · 19.0%
2022: 0.9%
2023: 9.2%
2024: 19.0%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€23k-€229k▲ 905%€477k▲ 108%€728k▲ 52.6%
Operating result€30k-€55k▲ 84.5%€55k=€41k▼ 27.0%
Net result€13k-€207k▲ 1,512%€248k▲ 19.9%€251k▲ 1.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.53M
Fixed assets
€2.50M=
Current assets
€31k▲ 88.9%
Equity and liabilities €2.53M
Equity
€728k▲ 52.6%
Debt
€1.80M▼ 11.6%
The debt ratio falls from 81.0% to 71.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
28.8%▲
2024 · 19.0%
ROE
34.5%▼
2024 · 51.9%
ROA
9.9%▲
2024 · 9.8%
Debt
€1.80M▼
2024 · €2.04M
Debt ≤ 1 year
€404k▲
2024 · €388k
Debt > 1 year
€1.40M▼
2024 · €1.65M
Income taxes
€5k▼
2024 · €6k
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€2.52M€2.53M▲
Fixed assets21/28€2.50M€2.50M=
Financial fixed assets28€2.50M€2.50M=
Current assets29/58€16k€31k▲
Amounts receivable within one year40/41€6k€6k=
Trade receivables40€6k€6k=
Cash at bank and in hand54/58€10k€25k▲
Equity and liabilities
Total equity and liabilities10/49€2.52M€2.53M▲
Equity10/15€477k€728k▲
Contributions10/11€10k€10k=
Reserves13€467k€718k▲
Distributable reserves133€467k€718k▲
Amounts payable17/49€2.04M€1.80M▼
Amounts payable after more than one year17€1.65M€1.40M▼
Financial debts170/4€1.65M€1.40M▼
Amounts payable within one year42/48€388k€404k▲
Current portion of amounts payable after more than one year42€268k€273k▲
Trade debts44€741€716▼
Suppliers440/4€741€716▼
Taxes, remuneration and social security45€13k€9k▼
Taxes450/3€13k€9k▼
Other amounts payable47/48€106k€121k▲
Income statement
Code20242025
Other operating charges640/8€118€2k▲
Gross operating margin9900€56k€43k▼
Operating profit (loss)9901€55k€41k▼
Financial income75/76B€223k€235k▲
Recurring financial income75€223k€235k▲
Financial charges65/66B€25k€19k▼
Recurring financial charges65€25k€19k▼
Profit (loss) for the period before taxes9903€254k€256k▲
Income taxes67/77€6k€5k▼
Profit (loss) for the period9904€248k€251k▲
Profit (loss) for the period to be appropriated9905€248k€251k▲
Appropriation of the result
Profit (loss) to be appropriated9906€248k€251k▲
Transfer to equity691/2€248k€251k▲
To other reserves6921€248k€251k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €251k ▲1.2%
Net result €251k, the highest in the series.
31-12
Financial
Equity above €500kEq €728k ▲52.6%
4 profitable years in a row build equity to €728k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Equity above €200kEq €229k ▲905%
2 profitable years in a row build equity to €229k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
19-11-2025
Jorgen Van Laer: Resigned as Director
09-02-2024
Herbert Felix: Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2022
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.
Suikerrui 52000 AntwerpenGround area
1,499 m²
Building footprint
112 m²
Volume, LiDAR
2,525 m³
Parcel 11002A2436/00A000, Flanders · tallest building 27.1 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
SCHELDEZICHT
since 20222.331.934.834
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11002A2436/00A000 | Flanders | 1,499 m² | 1 · 112 m² | 27.1 m · 8 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Immo Pol Cattebeke
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QUERCUS
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JUTO INVEST
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,281 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.