A. SCHRYVERS
ActiveSummary
A. SCHRYVERS has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €467,409 and a net result of €61,776. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 76% of 19375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability80▲+11
Solvency92▼-8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 3.01 against 21.44 in 2023; short-term debt: 32.9% and cash: 19.1% of total assets), and 32.9% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-06-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
45 d early
2023
6 d early
2022
27 d early
2021
31 d late
2020
5 d early
2019
28 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 13 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
Name match with a sanctions list
1 entryS M A
A name match is not a finding that this company itself is on the list; check the entry at the source.
History
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Financials · fiscal year 2024, micro schema
Equity
€467,409▼ 22.1%
2023 · €600,133
Total assets
€696,298▲ 10.7%
2023 · €629,116
Net result
€61,776
2023 · -€91
Working capital
€459,655▼ 22.4%
2023 · €592,477
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€86,266▼ 40.0%€135,762▲ 57.4%€155,171▲ 14.3%€5,994▼ 96.1%€63,926▲ 966%
Net result€61,780above the sector's middle half▼ 35.9%€94,587above the sector's middle half▲ 53.1%€91,064above the sector's middle half▼ 3.7%-€91within the sector's middle half€61,776above the sector's middle half
Equity€517,073above the sector's middle half▲ 13.6%€611,660above the sector's middle half▲ 18.3%€600,224above the sector's middle half▼ 1.9%€600,133above the sector's middle half=€467,409above the sector's middle half▼ 22.1%
Total assets€533,819within the sector's middle half▲ 9.9%€654,049within the sector's middle half▲ 22.5%€717,350within the sector's middle half▲ 9.7%€629,116within the sector's middle half▼ 12.3%€696,298within the sector's middle half▲ 10.7%
Debt€16,747▼ 44.9%€42,389▲ 153%€117,125▲ 176%€28,983▼ 75.3%€228,889▲ 690%
Working capital€513,905above the sector's middle half▲ 14.0%€557,934above the sector's middle half▲ 8.6%€594,884above the sector's middle half▲ 6.6%€592,477above the sector's middle half▼ 0.4%€459,655above the sector's middle half▼ 22.4%
Solvency96.9%above the sector's middle half▲ 3.1pp93.5%above the sector's middle half▼ 3.3pp83.7%above the sector's middle half▼ 9.8pp95.4%above the sector's middle half▲ 11.7pp67.1%above the sector's middle half▼ 28.3pp
Current ratio31.69above the sector's middle half▲ 15.8514.16above the sector's middle half▼ 17.536.08above the sector's middle half▼ 8.0821.44above the sector's middle half▲ 15.363.01above the sector's middle half▼ 18.43
Return on assets (ROA)11.6%above the sector's middle half▼ 8.3pp14.5%above the sector's middle half▲ 2.9pp12.7%above the sector's middle half▼ 1.8pp0.0%within the sector's middle half▼ 12.7pp8.9%above the sector's middle half▲ 8.9pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 966% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €696,298
Fixed assets
€7,755 ▲ 1.3%
Current assets
€688,543 ▲ 10.8%
Equity and liabilities €696,298
Equity
€467,409 ▼ 22.1%
Debt
€228,889 ▲ 690%
Debt's share of the balance-sheet total rises from 4.6% to 32.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€66,181▲
2023 · €8,928
Cash flow
€64,031▲
2023 · €2,843
Debt to equity
0.49▲
2023 · 0.05
ROE
13.2%▲
2023 · 0.0%
Interest coverage
20.06▼
2023 · 23.29
Debt ≤ 1 year
€228,889▲
2023 · €28,983
Income taxes
€23,215▲
2023 · €9,369
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,129 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,129 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,783 | €1,632 | €2,062 | €2,934 | €2,255 | ▼ 23.2% |
| Other operating charges640/8 | - | €1,110 | €1,709 | €1,925 | €1,558 | ▼ 19.0% |
| Gross operating margin9900 | €108,783 | €138,505 | €158,942 | €10,853 | €67,739 | ▲ 524% |
| Operating profit (loss)9901 | €86,266 | €135,762 | €155,171 | €5,994 | €63,926 | ▲ 966% |
| Financial income75/76B | - | €1,343 | €26,683 | €3,667 | €24,363 | ▲ 564% |
| Recurring financial income75 | €1,396 | €1,343 | €26,683 | €3,406 | €4,770 | ▲ 40.1% |
| Non-recurring financial income76B | - | - | - | €261 | €19,593 | ▲ 7,408% |
| Financial charges65/66B | - | €824 | €35,069 | €383 | €3,298 | ▲ 760% |
| Recurring financial charges65 | €622 | €824 | €35,069 | €383 | €3,298 | ▲ 760% |
| Profit (loss) for the period before taxes9903 | €87,040 | €136,281 | €146,784 | €9,278 | €84,991 | ▲ 816% |
| Income taxes67/77 | €25,260 | €41,693 | €55,720 | €9,369 | €23,215 | ▲ 148% |
| Profit (loss) for the period9904 | €61,780 | €94,587 | €91,064 | -€91 | €61,776 | ▲ 67,874% |
| Profit (loss) for the period to be appropriated9905 | €61,780 | €94,587 | €91,064 | -€91 | €61,776 | ▲ 67,874% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €533,819 | €654,049 | €717,350 | €629,116 | €696,298 | ▲ 10.7% |
| Fixed assets21/28 | €3,168 | €53,726 | €5,340 | €7,656 | €7,755 | ▲ 1.3% |
| Tangible fixed assets22/27 | €3,168 | €3,726 | €5,340 | €7,656 | €7,755 | ▲ 1.3% |
| Land and buildings22 | - | €350 | €1,707 | €4,511 | €3,825 | ▼ 15.2% |
| Plant, machinery and equipment23 | - | - | €2,090 | €1,669 | €1,247 | ▼ 25.3% |
| Furniture and vehicles24 | - | €3,376 | €1,542 | €1,476 | €2,682 | ▲ 81.8% |
| Financial fixed assets28 | - | €50,000 | - | - | - | - |
| Current assets29/58 | €530,651 | €600,323 | €712,010 | €621,460 | €688,543 | ▲ 10.8% |
| Amounts receivable after more than one year29 | - | - | €66,000 | €66,000 | €66,000 | = |
| Other amounts receivable291 | - | - | €66,000 | €66,000 | €66,000 | = |
| Amounts receivable within one year40/41 | €23,605 | €59,304 | €20,022 | €54,503 | €70,796 | ▲ 29.9% |
| Trade receivables40 | - | €49,471 | €19,693 | €9,064 | €11,875 | ▲ 31.0% |
| Other amounts receivable41 | - | €9,833 | €329 | €45,438 | €58,921 | ▲ 29.7% |
| Current investments50/53 | - | €243,129 | €372,584 | €392,614 | €394,663 | ▲ 0.5% |
| Cash at bank and in hand54/58 | €454,586 | €297,890 | €231,646 | €86,910 | €132,970 | ▲ 53.0% |
| Deferred charges and accrued income490/1 | - | - | €21,758 | €21,433 | €24,115 | ▲ 12.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €533,819 | €654,049 | €717,350 | €629,116 | €696,298 | ▲ 10.7% |
| Equity10/15 | €517,073 | €611,660 | €600,224 | €600,133 | €467,409 | ▼ 22.1% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | - | - | €18,600 | - | - | - |
| Other1109/19 | - | - | €18,600 | - | - | - |
| Reserves13 | €498,193 | €592,473 | €581,624 | €581,533 | €448,809 | ▼ 22.8% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | - | - | - | - |
| Other1319 | - | - | €1,860 | €0 | - | - |
| Distributable reserves133 | - | €590,613 | €579,764 | €581,533 | €448,809 | ▼ 22.8% |
| Profit (loss) carried forward14 | €280 | €587 | - | €0 | €0 | - |
| Amounts payable17/49 | €16,747 | €42,389 | €117,125 | €28,983 | €228,889 | ▲ 690% |
| Amounts payable within one year42/48 | €16,747 | €42,389 | €117,125 | €28,983 | €228,889 | ▲ 690% |
| Trade debts44 | €1,161 | €1,797 | €8,292 | €229 | €14,688 | ▲ 6,323% |
| Suppliers440/4 | - | €1,797 | €8,292 | €229 | €14,688 | ▲ 6,323% |
| Taxes, remuneration and social security45 | - | €19,523 | €35,444 | €28,754 | €29,426 | ▲ 2.3% |
| Taxes450/3 | - | €19,523 | €35,444 | €25,754 | €26,426 | ▲ 2.6% |
| Remuneration and social security454/9 | - | - | - | €3,000 | €3,000 | = |
| Other amounts payable47/48 | - | €21,068 | €73,389 | €0 | €184,775 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €61,780 | €94,587 | €91,064 | -€91 | €61,776 | ▲ 67,874% |
| + Depreciation and write-downs630 | €2,783 | €1,632 | €2,062 | €2,934 | €2,255 | ▼ 23.2% |
| Operating cash flow (approximation) | €64,563 | €96,220 | €93,127 | €2,843 | €64,031 | ▲ 2,152% |
| Investment in fixed assets (approximation) | - | -€52,191 | €46,324 | -€5,250 | -€2,354 | ▲ 55.2% |
| Change in cash | - | -€156,696 | -€66,244 | -€144,735 | €46,060 | ▲ 132% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
01-12
State Gazette act
Board meeting · Director resignation
Director appointment · Permanent representative
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €61,776
Net result €61,776 after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
23-05
State Gazette act
Merger · Accounting effect
Capital · Corporate purpose
2023
31-12
Financial
Weakest financial yearnet -€91
Net result drops to -€91, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 21.44
Current ratio from 6.08 to 21.44; short-term debt falls from €117,125 to €28,983.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 31.69
Current ratio from 15.84 to 31.69; short-term debt falls from €30,376 to €16,747.
31-12
Financial
Equity above €500,000Eq €517,073 ▲13.6%
3 profitable years in a row build equity to €517,073.
Show earlier events
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
06-01
State Gazette act
Merger · Capital
Corporate purpose · Accounting effect
06-01
State Gazette act
Merger · Capital
Corporate purpose · Accounting effect
06-01
State Gazette act
Merger · Capital
Corporate purpose · Accounting effect
2019
18-12
State Gazette act
General meeting · Statutes amendment
Capital decrease · Capital · Vincent Vroninks
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-12
State Gazette act
Board meeting · Director resignation
Permanent representative · Director appointment
02-08
State Gazette act
Power of attorney
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
19-06
State Gazette act
Power of attorney
19-06
State Gazette act
Power of attorney · Power-of-attorney revocation
Damien HISETTE
2016
18-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 18 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are 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, Mechelen · 1 establishment unit since 2006
Ground area
109 m²
Building footprint
109 m²
Volume, LiDAR
772 m³
Parcel 12404G0592/00D002, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
S-ADVICE & MANAGEMENT
since 20062.152.115.838
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12404G0592/00D002 | Flanders | 109 m² | 1 · 109 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 947 EUR awarded · 947 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 915 EUR | 915 EUR |
| 2023 | 1 | 32 EUR | 32 EUR |
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Of 11,757 companies in sector 68310 we hold annual accounts for 6,914. 4,651 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-01-2006
Fiscal year end31-12
Abbreviation NL
S.A.M.
Trade name NL
S. Advice & Management
Activities, NACEBEL 2025
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0879217304
Also
9925:BE0879217304
Registered
12-12-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.