ASR SCHEPERS
ActiveThe computed 12-month bankruptcy probability of ASR SCHEPERS is 1.5% (moderate). The 2025 annual accounts show negative equity (€-38k) and a net result of €-5k. Equity is shrinking by ~35.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 27319 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
7
/ 100
Critical▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+31
Solvency33=
Growth32=
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.16 against 0.18 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-468%
Return on assets
-63.8%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€38k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
56 d late
2023
34 d early
2022
4 d early
2021
29 d late
2020
60 d late
2019
53 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-38k▼ 15.8%
2024 · €-33k
2018: €15k
2019: €14k
2020: €-840
2021: €-5k
2022: €-42k
2023: €-30k
2024: €-33k
2018 → 2025
Total assets
€8k▼ 7.6%
2024 · €9k
2018: €48k
2019: €104k
2020: €104k
2021: €43k
2022: €15k
2023: €24k
2024: €9k
2018 → 2025
Net result
€-5k▼ 113%
2024 · €-2k
2018: €3k
2019: €-547
2020: €-15k
2021: €-4k
2022: €-37k
2023: €12k
2024: €-2k
2018 → 2025
Working capital
€-39k▼ 13.2%
2024 · €-34k
2018: €-10k
2019: €-3k
2020: €-10k
2021: €-11k
2022: €-47k
2023: €-33k
2024: €-34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€-42k▼ 725%€-30k▲ 28.1%€-33k▼ 8.0%€-38k▼ 15.8%
Operating result€-1k-€-34k▼ 2,744%€15k€-665€-2k▼ 214%
Net result€-4k-€-37k▼ 767%€12k€-2k€-5k▼ 113%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €665 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8k
Fixed assets
€770▼ 46.6%
Current assets
€7k=
Key figures and ratios
EBITDA
€-1k▼
2024 · €175
Cash flow
€-5k▼
2024 · €-2k
Solvency
-468.0%▼
2024 · -373.3%
Current ratio
0.16▼
2024 · 0.18
Quick ratio
0.16▼
2024 · 0.18
Debt / equity
-1.21▲
2024 · -1.27
ROE
13.6%▲
2024 · 7.4%
ROA
-63.8%▼
2024 · -27.7%
Interest coverage
-0.46▼
2024 · 0.10
Debt
€46k▲
2024 · €42k
Debt ≤ 1 year
€46k▲
2024 · €42k
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€9k€8k▼
Fixed assets21/28€1k€770▼
Tangible fixed assets22/27€1k€671▼
Furniture and vehicles24€1k€671▼
Financial fixed assets28€99€99=
Current assets29/58€7k€7k=
Amounts receivable within one year40/41€7k€7k=
Trade receivables40€7k€7k=
Other amounts receivable41€655€655=
Equity and liabilities
Total equity and liabilities10/49€9k€8k▼
Equity10/15€-33k€-38k▼
Contributions10/11€19k€19k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-56k€-62k▼
Amounts payable17/49€42k€46k▲
Amounts payable within one year42/48€42k€46k▲
Financial debts43€25k€25k▼
Credit institutions430/8€25k€25k▼
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€453€262▼
Taxes450/3€453€262▼
Other amounts payable47/48€12k€16k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€840€671▼
Other operating charges640/8€1k-
Gross operating margin9900€1k€-1k▼
Operating profit (loss)9901€-665€-2k▼
Financial income75/76B€15-
Recurring financial income75€15-
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-2k€-5k▼
Profit (loss) for the period9904€-2k€-5k▼
Profit (loss) for the period to be appropriated9905€-2k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-56k€-62k▼
Profit (loss) brought forward from the previous period14P€-54k€-56k▼
The notes to these accounts (7 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €12k
Net result €12k after 4 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
SCHEPERS Ronald
CurrentNon-statutory director · since 04-12-2023
04-12-2023
Resigned as Niet statutaire zaakvoerder
04-12-2023
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Genk · 1 establishment unit since 1999
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.
Delweg 54A3600 GenkGround area
3,085 m²
Building footprint
433 m²
Volume, LiDAR
2,350 m³
2 parcels, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Delweg 54 A, 3600 Genk
since 19992.090.210.438
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71306G0002/00X002 | Flanders | 1,936 m² | 1 · 217 m² | 6.0 m · 1 fl. |
| 71307H0002/00E110 | Flanders | 1,149 m² | 1 · 216 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
CONSTRUX
BE 1009.805.038
Lille · Eq €14k
ISO Roof Construct
BE 1002.606.450
Genk · Eq €14k
VST-Projects
BE 1014.686.316
Zonhoven · Eq €14k
CREA - LINE
BE 0450.637.155
Schaarbeek · Eq €14k
ALGEMENE DAKWERKEN METS
BE 0453.881.014
Putte · Eq €14k
Of 8,483 companies in sector 43410 we hold annual accounts for 4,308. 2,642 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-1998
Fiscal year end31-12
Abbreviation NL
ASR
Activities, NACEBEL
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.