Algemene Bouwonderneming Schollaert
ActiveSummary
Algemene Bouwonderneming Schollaert has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.13M and a net result of €120k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 2179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-5
Solvency94▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 3.03 against 10.55 in 2024; short-term debt: 30.9% and cash: 67.4% of total assets), and 30.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
69.1%
Return on assets
7.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 10 filingsDeviation from the deadline
2025
12 d late
2024
31 d early
2023
20 d early
2022
29 d late
2021
30 d late
2020
7 d early
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.13M▼ 14.2%
2024 · €1.31M
2018: €434k
2019: €586k
2020: €740k
2021: €856k
2022: €962k
2023: €1.15M
2024: €1.31M
2018 → 2025
Total assets
€1.63M▲ 13.5%
2024 · €1.44M
2018: €593k
2019: €965k
2020: €1.09M
2021: €1.06M
2022: €1.14M
2023: €1.47M
2024: €1.44M
2018 → 2025
Net result
€120k▼ 26.7%
2024 · €164k
2018: €71k
2019: €152k
2020: €154k
2021: €116k
2022: €106k
2023: €188k
2024: €164k
2018 → 2025
Working capital
€1.02M▼ 13.3%
2024 · €1.18M
2018: €379k
2019: €505k
2020: €604k
2021: €773k
2022: €880k
2023: €1.07M
2024: €1.18M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€856k-€962k▲ 12.4%€1.15M▲ 19.6%€1.31M▲ 14.2%€1.13M▼ 14.2%
Operating result€168k-€154k▼ 8.5%€278k▲ 80.4%€242k▼ 13.1%€176k▼ 27.2%
Net result€116k-€106k▼ 8.3%€188k▲ 77.2%€164k▼ 12.9%€120k▼ 26.7%
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 €1.63M
Fixed assets
€109k ▼ 21.6%
Current assets
€1.52M ▲ 17.2%
Equity and liabilities €1.63M
Equity
€1.13M ▼ 14.2%
Debt
€503k ▲ 309%
Debt's share of the balance-sheet total rises from 8.6% to 30.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€203k▼
2024 · €277k
Cash flow
€147k▼
2024 · €199k
Current ratio
3.03▼
2024 · 10.55
Quick ratio
2.74▼
2024 · 9.39
Debt to equity
0.45▲
2024 · 0.09
ROE
10.6%▼
2024 · 12.5%
ROA
7.4%▼
2024 · 11.4%
Interest coverage
95.69▲
2024 · 47.91
Debt ≤ 1 year
€503k▲
2024 · €123k
Income taxes
€54k▼
2024 · €72k
Staff costs
€260k▼
2024 · €266k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.44M€1.63M▲
Fixed assets21/28€139k€109k▼
Tangible fixed assets22/27€135k€108k▼
Plant, machinery and equipment23€79k€62k▼
Furniture and vehicles24€52k€46k▼
Leasing and similar rights25€4k-
Financial fixed assets28€3k€810▼
Current assets29/58€1.30M€1.52M▲
Stocks and contracts in progress3€142k€142k=
Stocks30/36€2k€2k=
Contracts in progress37€140k€140k=
Amounts receivable within one year40/41€195k€259k▲
Trade receivables40€186k€220k▲
Other amounts receivable41€10k€40k▲
Cash at bank and in hand54/58€941k€1.10M▲
Deferred charges and accrued income490/1€20k€21k▲
Equity and liabilities
Total equity and liabilities10/49€1.44M€1.63M▲
Equity10/15€1.31M€1.13M▼
Contributions10/11€124k€124k=
Reserves13€972k€786k▼
Tax-exempt reserves132€11k€11k=
Distributable reserves133€962k€775k▼
Profit (loss) carried forward14€218k€218k=
Amounts payable17/49€123k€503k▲
Amounts payable within one year42/48€123k€503k▲
Trade debts44€78k€184k▲
Suppliers440/4€78k€184k▲
Taxes, remuneration and social security45€46k€31k▼
Taxes450/3€38k€21k▼
Remuneration and social security454/9€7k€9k▲
Other amounts payable47/48-€288k
Income statement
Code20242025
Remuneration, social security and pensions62€266k€260k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€27k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€549k€469k▼
Operating profit (loss)9901€242k€176k▼
Financial income75/76B€11€311▲
Recurring financial income75€11€311▲
Financial charges65/66B€6k€2k▼
Recurring financial charges65€6k€2k▼
Profit (loss) for the period before taxes9903€236k€174k▼
Income taxes67/77€72k€54k▼
Profit (loss) for the period9904€164k€120k▼
Profit (loss) for the period to be appropriated9905€164k€120k▼
Appropriation of the result
Profit (loss) to be appropriated9906€381k€338k▼
Profit (loss) brought forward from the previous period14P€218k€218k=
Transfer from equity791/2-€306k
Transfer to equity691/2€164k€120k▼
To other reserves6921€164k€120k▼
Profit to be distributed694/7-€306k
Return on contributions (dividend)694-€306k
Social balance
Average headcount (FTE)90875.05.0=
The notes to these accounts (6 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 10.55
Current ratio from 4.36 to 10.55; short-term debt falls from €319k to €123k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €188k ▲77.2%
Operating result €278k, net result €188k, both a record.
31-12
Financial
Equity above €1MEq €1.15M ▲19.6%
6 profitable years in a row build equity to €1.15M.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
24-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Equity above €500kEq €586k ▲35.1%
2 profitable years in a row build equity to €586k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Lievens-Houtem · 1 establishment unit since 1976
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.
Bruisbeke 959520 Sint-Lievens-HoutemGround area
9,186 m²
Building footprint
758 m²
Volume, LiDAR
3,730 m³
Parcel 41063D0377/00E000, Flanders · tallest building 10.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Algemene Bouwonderneming Schollaert
since 19762.012.754.651
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41063D0377/00E000 | Flanders | 9,186 m² | 1 · 758 m² | 10.3 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 2 entries · 4,566 EUR awarded · 4,449 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 4,566 EUR | 4,449 EUR |
Schemes
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
12 categoriesAlgemene Bouwonderneming Schollaert BV35008
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ETABLISSEMENTS JOSE DE MIDDELEER ET FILS
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 5,970 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-09-1976
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 50 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:09/3623326