Zelderloo Maxim · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Zelderloo Maxim is 0.7% (low). The 2025 annual accounts show equity of €149k and a net result of €69k. Its solvency ranks better than 76% of 1090 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 76% of 1090 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-05-2026, 74 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	18-05-2026	74 d early	2026-00112762
31-12-2024	31-07-2025	02-06-2025	59 d early	2025-00113410

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Young company

Founded in 2024, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.7% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€69k-10.6%

Working capital€143k+95.1%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 18-05-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 82 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	77.8%	51.3%	better than 76% of 1090 sector peers
Net result	€69k	€24k	better than 80% of 1090 sector peers
Equity	€149k	€51k	better than 80% of 1091 sector peers
Gross operating margin	€91k	€45k	better than 74% of 1090 sector peers
Staff costs	€299	€16k	higher than 15% of 136 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€90k

-10.8% 24-25

Net profit

€69k

-10.6% 24-25

Cash flow

€71k

-11.7% 24-25

Total assets

€191k

+49.8% 24-25

Equity

€149k

+85.9% 24-25

Working capital

€143k

+95.1% 24-25

Staff costs

€299

+2877.0% 24-25

Income taxes

€19k

-9.7% 24-25

Show 10 other metrics

Dividends

€833

0.0% 24-25

Debt

€42k

-11.0% 24-25

Debt ≤ 1y

€42k

-11.9% 24-25

Current ratio

4.43

+73.8% 24-25

Quick ratio

4.43

+73.8% 24-25

Solvency

77.8%

+24.1% 24-25

Debt / equity

0.28

-52.1% 24-25

ROE

46.8%

-51.9% 24-25

ROA

36.4%

-40.3% 24-25

Interest coverage

164.22

-93.3% 24-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€90k
Net profit	€69k
Cash flow	€71k
Staff costs	€299
Income taxes	€19k
Dividends	€833
Total assets	€191k
Equity	€149k
Debt	€42k
of which ≤ 1y	€42k
of which > 1y	-
Working capital	€143k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	4.43
Quick ratio	4.43
Working capital ratio	75.0%
Solvency	77.8%
Debt / equity	0.28
Long-term debt ratio	-
Interest coverage	164.22
Gross margin	-
Net margin	-
ROA	36.4%
ROE	46.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €6k · 3.2% Current assets €185k · 96.8%

Equity & liabilities

Equity €149k · 77.8% Debt €42k · 22.2%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€191k
Fixed assets	21/28	€6k
Tangible fixed assets	22/27	€6k
Current assets	29/58	€185k
Amounts receivable within one year	40/41	€16k
Cash & bank	54/58	€168k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€191k
Equity	10/15	€149k
Contributions / capital	10/11	€3k
Reserves	13	€146k
Amounts payable	17/49	€42k
Amounts payable within one year	42/48	€42k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€91k
Operating result	9901	€89k
Financial income	75	€5
Financial charges	65	€551
Result before taxes	9903	€88k
Income taxes	67/77	€19k
Net result for the period	9904	€69k
Result to be appropriated	9905	€69k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

93 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

Zelderloo Maxim

Gemeentestraat(HOM) 11, 2811 MechelenOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering

since 20242.354.039.253

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area388 m²

Buildings1

Building footprint141 m²

Volume (LiDAR)781 m³

Tallest building9.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)