BOUWMARKT SCHEPERS
ActiveBOUWMARKT SCHEPERS has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.44M and a net result of €105k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 7971 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▲+27
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €260k at 30 days acceptable
Liquidity ample (current ratio 5.46 against 5.15 in 2024; short-term debt: 16.5% and cash: 9.9% of total assets), and 24.4% of the assets are financed with debt.
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
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
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
75.6%
Return on assets
2.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
58 d early
2023
51 d early
2022
39 d early
2021
40 d early
2020
47 d early
2019
37 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.44M▲ 3.1%
2024 · €3.33M
2018: €2.40M
2019: €2.44M
2020: €2.64M
2021: €2.79M
2022: €3.12M
2023: €3.31M
2024: €3.33M
2018 → 2025
Total assets
€4.55M▲ 3.5%
2024 · €4.40M
2018: €3.97M
2019: €3.90M
2020: €4.07M
2021: €4.13M
2022: €4.64M
2023: €4.59M
2024: €4.40M
2018 → 2025
Net result
€105k▲ 271%
2024 · €28k
2018: €219k
2019: €190k
2020: €404k
2021: €350k
2022: €491k
2023: €348k
2024: €28k
2018 → 2025
Working capital
€3.35M▲ 3.3%
2024 · €3.24M
2018: €2.48M
2019: €2.37M
2020: €2.56M
2021: €2.69M
2022: €3.02M
2023: €3.20M
2024: €3.24M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.79M-€3.12M▲ 11.5%€3.31M▲ 6.1%€3.33M▲ 0.9%€3.44M▲ 3.1%
Operating result€356k-€539k▲ 51.6%€346k▼ 35.8%€-31k€79k
Net result€350k-€491k▲ 40.1%€348k▼ 29.1%€28k▼ 91.9%€105k▲ 271%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €79k after a loss of €31k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.55M
Fixed assets
€453k▲ 20.6%
Current assets
€4.10M▲ 1.9%
Equity and liabilities €4.55M
Equity
€3.44M▲ 3.1%
Provisions
€273k▼ 3.0%
Debt
€839k▲ 7.4%
The debt ratio rises from 17.8% to 18.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€89k▲
2024 · €-10k
Cash flow
€115k▲
2024 · €50k
Solvency
75.6%▼
2024 · 75.8%
Current ratio
5.46▲
2024 · 5.15
Quick ratio
1.69▲
2024 · 1.56
Debt / equity
0.24▲
2024 · 0.23
ROE
3.0%▲
2024 · 0.8%
ROA
2.3%▲
2024 · 0.6%
Interest coverage
3.06▲
2024 · -0.37
Debt
€839k▲
2024 · €782k
Debt ≤ 1 year
€751k▼
2024 · €781k
Debt > 1 year
€87k
Income taxes
€49k▲
2024 · €17k
Staff costs
€704k▼
2024 · €736k
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€4.40M€4.55M▲
Fixed assets21/28€375k€453k▲
Tangible fixed assets22/27€328k€405k▲
Land and buildings22€277k€280k▲
Plant, machinery and equipment23€5k€11k▲
Furniture and vehicles24€47k€5k▼
Leasing and similar rights25-€110k
Financial fixed assets28€47k€47k=
Current assets29/58€4.02M€4.10M▲
Stocks and contracts in progress3€2.80M€2.83M▲
Stocks30/36€2.80M€2.83M▲
Amounts receivable within one year40/41€835k€815k▼
Trade receivables40€750k€782k▲
Other amounts receivable41€84k€33k▼
Cash at bank and in hand54/58€376k€449k▲
Deferred charges and accrued income490/1€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€4.40M€4.55M▲
Equity10/15€3.33M€3.44M▲
Contributions10/11€250k€250k=
Capital10€250k€250k=
Issued capital100€250k€250k=
Reserves13€3.08M€3.19M▲
Non-distributable reserves130/1€25k€25k=
Legal reserve130€25k€25k=
Tax-exempt reserves132€57k€57k=
Distributable reserves133€3.00M€3.11M▲
Provisions and deferred taxes16€282k€273k▼
Provisions for liabilities and charges160/5€282k€273k▼
Major repairs and maintenance162€282k€273k▼
Amounts payable17/49€782k€839k▲
Amounts payable after more than one year17-€87k
Financial debts170/4-€87k
Amounts payable within one year42/48€781k€751k▼
Current portion of amounts payable after more than one year42-€21k
Trade debts44€329k€284k▼
Suppliers440/4€329k€284k▼
Advances received on contracts in progress46€47k€39k▼
Taxes, remuneration and social security45€161k€139k▼
Taxes450/3€30k€17k▼
Remuneration and social security454/9€130k€122k▼
Other amounts payable47/48€244k€268k▲
Accrued charges and deferred income492/3€188€311▲
Income statement
Code20242025
Non-recurring operating income76A-€44k
Remuneration, social security and pensions62€736k€704k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€10k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k€27k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-3k€-8k▼
Other operating charges640/8€61k€45k▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€794k€861k▲
Operating profit (loss)9901€-31k€79k▲
Financial income75/76B€103k€104k▲
Recurring financial income75€103k€104k▲
Financial charges65/66B€27k€29k▲
Recurring financial charges65€26k€29k▲
Non-recurring financial charges66B€502€200▼
Profit (loss) for the period before taxes9903€45k€154k▲
Income taxes67/77€17k€49k▲
Profit (loss) for the period9904€28k€105k▲
Profit (loss) for the period to be appropriated9905€28k€105k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€105k▲
Transfer to equity691/2€28k€105k▲
To other reserves6921€28k€105k▲
Social balance
Average headcount (FTE)908711.910.6▼
The notes to these accounts (11 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €28k ▼91.9%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €491k ▲40.1%
Operating result €539k, net result €491k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-06
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
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, Landen · 1 establishment unit since 1983
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.
Roosveld 153400 LandenGround area
3.6 ha
Building footprint
7,734 m²
Volume, LiDAR
44,139 m³
2 parcels, Flanders · tallest building 18.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Roosveld -, 3400 Landen
since 19832.023.476.913
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24059A0451/00F000indicative | Flanders | 2.0 ha | 1 · 3,347 m² | 14.9 m · 2 fl. |
| 24059A0390/00B000 | Flanders | 1.7 ha | 1 · 4,387 m² | 18.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels 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
2022 to 2025 · 4 entries · 4,353 EUR awarded · 4,353 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,468 EUR | 3,468 EUR |
| 2024 | 1 | 162 EUR | 162 EUR |
| 2023 | 1 | 469 EUR | 469 EUR |
| 2022 | 1 | 254 EUR | 254 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 857 companies in sector 46832 we hold annual accounts for 588. 372 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-11-1983
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
46832Wholesale of timber
51532
43120Site preparation
45112
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.