Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Maatschappij voor onderlinge borgstelling voor krediet aan de middenstand te Zele from Zele, company number BE0400275844, closed financial year 2025 with a result of € 8,366 after tax. For that financial year Maatschappij voor onderlinge borgstelling voor krediet aan de middenstand te Zele recorded a gross margin of € -18,520 and equity of € 1.3 million. Compared with financial year 2024, the result moved from € 24,282 to € 8,366. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 15, 2026.
€ 1.3 million
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 8,366
▼ 66% vs 2024
Profit after tax over the fiscal year.
€ 327,079
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -122,241.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 9,974
▲ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 992 | € 1,147 | - | - | |
| Gross margin | € -46,265 | € -18,396 | € -18,220 | € -18,520 | ▼ € 300 |
| Profit after taxes | € -47,255 | € -7,864 | € 24,282 | € 8,366 | ▼ 66% |
| Equity | € 1,278,428 | € 1,265,604 | € 1,289,886 | € 1,298,253 | ▲ 1% |
| Total debts | € 17,367 | € 19,431 | € 9,681 | € 9,974 | ▲ 3% |
| Cash | € 1,290,269 | € 319,771 | € 327,872 | € 327,079 | |
| Retained profit | € -147,026 | € -154,890 | € -130,608 | € -122,241 | ▲ € 8,367 |
| Balance sheet total | € 1,295,795 | € 1,285,035 | € 1,299,567 | € 1,308,227 | ▲ 1% |
Key figures of Maatschappij voor onderlinge borgstelling voor krediet aan de middenstand te Zele, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Maatschappij voor onderlinge borgstelling voor krediet aan de middenstand te Zele?
What happened at Maatschappij voor onderlinge borgstelling voor krediet aan de middenstand te Zele in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Olga Salcedo stepped down as director. NBB
- Pieter Henkens stepped down as director. NBB
- Guido Henkens stepped down as director. NBB
- Ernestina Flies stepped down as director. NBB
- Marie Henkens stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 8,366 (▼ 66% vs 2024). Source: NBB ↗
- Olga Salcedo became a director. NBB
- Pieter Henkens became a director. NBB
In short
From € 47,255 loss in 2022 to € 8,366 profit in 2025.
Best year ever: 2024, with € 24,282 profit.
A new publication or filing at Maatschappij voor onderlinge borgstelling voor krediet aan de middenstand te Zele? We notify you, reason included.
Follow Maatschappij voor onderlinge borgstelling voor krediet aan de middenstand te ZeleDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of KREDIET VOOR AMBACHTSWERKTUIGEN ZELE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Maatschappij voor onderlinge borgstelling voor krediet aan de middenstand te ZeleThe shares are held by KREDIET VOOR AMBACHTSWERKTUIGEN ZELE (59%).
Directors
According to the 2025 annual accounts
Guido Henkens
Director
Also active at: KREDIET VOOR AMBACHTSWERKTUIGEN ZELE, ERGUCO, Oostvlaamse Invest Company
since 2021 · until 2027
Olga Salcedo
Director
since 2024 · until 2030
since 2022 · until 2028
Ernestina Flies
Chairman of the board, Manager
Also active at: ERGUCO, Oostvlaamse Invest Company, DONATERIE
since 2021 · until 2027
Marie Henkens
Director
since 2021 · until 2027
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Alois De Beulelaan 5
9240 Zele
Dokter Armand Rubbensstraat 47
9240 Zele
Active since 24 March 1994
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 9 companies are registered at this address.
All companies at this address →KREDIET VOOR AMBACHTSWERKTUIGEN ZELE same network
Deposito- en Kredietkantoor Van Zele
Oostvlaamse Invest Company same network
€ 524,388 revenue · 2025
EMMARIELCO
€ 11,099 gross margin · 2025
Tersal
€ 10,620 revenue · 2025
+4 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0400.275.844
- VAT number
- BE 0400.275.844
- Registered office
- Alois De Beulelaan 5, 9240 Zele
- Names & denominations
- Maatschappij voor onderlinge borgstelling voor krediet aan de middenstand te Zele · M.O.B. Zele - MOB Zele
- Enterprise type
- Rechtspersoon
- Legal form
- Cooperative company
- Legal situation
- Normale toestand
- Start date
- 10 March 1955
- Peppol
- Not registered