Schilde Beheer 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 €24k and a net result of €-8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 2381 sector peers (fiscal year 2025). The company has been active since 2020 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 2381 sector peers (2025).
NBB · sector comparisonPosition among 2381 sector peers
Solvency
better than 13%
← weakest
strongest →
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 · 6 filingsDeviation from the deadline
2025
8 d early
2024
14 d early
2023
12 d early
2022
13 d early
2021
37 d late
2020
26 d late
← 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, full schema
Equity
€24k▼ 24.8%
2024 · €32k
2020: €44k
2021: €-1k
2022: €-42k
2023: €23k
2024: €32k
2020 → 2025
Net result
€-8k
2024 · €9k
2020: €-6k
2021: €-45k
2022: €-40k
2023: €65k
2024: €9k
2020 → 2025
Total assets
€192k▲ 1.7%
2024 · €188k
2020: €47k
2021: €42k
2022: €97k
2023: €161k
2024: €188k
2020 → 2025
Solvency
12.7%▼ 4.5pp
2024 · 17.2%
2020: 93.2%
2021: -3.4%
2022: -43.1%
2023: 14.4%
2024: 17.2%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€92k€27k▼ 70.7%€0▼ 100%
Equity€-1k-€-42k▼ 2,812%€23k€32k▲ 40.3%€24k▼ 24.8%
Operating result€-45k-€-40k▲ 10.7%€65k€17k▼ 74.0%€-9k
Net result€-45k-€-40k▲ 10.7%€65k€9k▼ 85.7%€-8k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €17k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €192k
Fixed assets
€8k=
Current assets
€184k▲ 1.8%
Equity and liabilities €192k
Equity
€24k▼ 24.8%
Debt
€167k▲ 7.2%
The debt ratio rises from 82.8% to 87.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
12.7%▼
2024 · 17.2%
ROE
-32.9%▼
2024 · 28.7%
ROA
-4.2%▼
2024 · 4.9%
Debt
€167k▲
2024 · €156k
Debt ≤ 1 year
€167k▲
2024 · €156k
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€188k€192k▲
Fixed assets21/28€8k€8k=
Financial fixed assets28€8k€8k=
Affiliated companies280/1€8k€8k=
Participating interests280€8k€8k=
Current assets29/58€181k€184k▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€179k€180k▲
Trade receivables40€164k€164k=
Other amounts receivable41€14k€15k▲
Cash at bank and in hand54/58€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€188k€192k▲
Equity10/15€32k€24k▼
Contributions10/11€50k€50k=
Profit (loss) carried forward14€-18k€-26k▼
Amounts payable17/49€156k€167k▲
Amounts payable within one year42/48€156k€167k▲
Trade debts44€0€190▲
Suppliers440/4€0€190▲
Other amounts payable47/48€156k€167k▲
Income statement
Code20242025
Operating income70/76A€27k€0▼
Turnover70€27k€0▼
Other operating income74€0-
Operating charges60/66A€10k€9k▼
Services and other goods61€10k€8k▼
Other operating charges640/8€505€520▲
Operating profit (loss)9901€17k€-9k▼
Financial income75/76B€773€767▼
Recurring financial income75€773€767▼
Other financial income752/9€773€767▼
Financial charges65/66B€8k€115▼
Recurring financial charges65€8k€115▼
Debt charges650€8k€115▼
Other financial charges652/9€0-
Profit (loss) for the period before taxes9903€9k€-8k▼
Profit (loss) for the period9904€9k€-8k▼
Profit (loss) for the period to be appropriated9905€9k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-26k▼
Profit (loss) brought forward from the previous period14P€-27k€-18k▲
The notes to these accounts (17 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 · full schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €65k
Net result €65k after 3 loss-making years.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
06-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 37 days late
2021
31-12
Financial
Weakest financial yearnet €-45k
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schilde · 1 establishment unit since 2020
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.
Azalealaan 232970 SchildeGround area
2,466 m²
Building footprint
212 m²
Volume, LiDAR
1,427 m³
Parcel 11041C0335/00D002, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schilde Beheer
since 20202.310.141.310
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041C0335/00D002 | Flanders | 2,466 m² | 1 · 212 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 8,102 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.