CREEMERS-SCHEPERS
ActiveThe computed 12-month bankruptcy probability of CREEMERS-SCHEPERS is 1.5% (moderate). The 2024 annual accounts show negative equity (€-40k) and a net result of €-68k. Equity is shrinking by ~26% per year across the filed fiscal years. Its solvency ranks better than 9% of 26056 sector peers (fiscal year 2024). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
7
/ 100
Critical▼ -13 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency33▼-20
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 0.14 against 0.92 in 2023), and equity is negative.
Credit advice for your own amount and term
Signals
Six 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 2024Solvency, return and age of the figures
Solvency
-100.4%
Return on assets
-172%
Age of the figures
20 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€40k
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 28-07-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
29 d late
2022
14 d early
2021
9 d early
2020
5 d early
2019
3 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-40k
2023 · €28k
2018: €139k
2019: €87k
2020: €93k
2021: €85k
2022: €69k
2023: €28k
2018 → 2024
Total assets
€39k▼ 50.9%
2023 · €80k
2018: €279k
2019: €196k
2020: €183k
2021: €183k
2022: €132k
2023: €80k
2018 → 2024
Net result
€-68k▼ 66.7%
2023 · €-41k
2018: €-407
2019: €-53k
2020: €13k
2021: €10k
2022: €-16k
2023: €-41k
2018 → 2024
Working capital
€-45k▼ 922%
2023 · €-4k
2018: €67k
2019: €50k
2020: €58k
2021: €47k
2022: €28k
2023: €-4k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€93k-€85k▼ 8.1%€69k▼ 19.1%€28k▼ 59.0%€-40k
Operating result€19k-€18k▼ 7.4%€-9k€-34k▼ 261%€-65k▼ 89.6%
Net result€13k-€10k▼ 23.9%€-16k€-41k▼ 150%€-68k▼ 66.7%
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 €65k in 2024 against €34k in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €39k
Fixed assets
€32k▼ 2.1%
Current assets
€8k▼ 84.2%
Key figures and ratios
EBITDA
€-64k▼
2023 · €-20k
Cash flow
€-67k▼
2023 · €-26k
Solvency
-100.4%▼
2023 · 35.1%
Current ratio
0.14▼
2023 · 0.92
Quick ratio
0.13▼
2023 · 0.92
Debt / equity
-2.00▼
2023 · 1.85
ROE
171.2%▲
2023 · -144.2%
ROA
-172.0%▼
2023 · -50.6%
Interest coverage
-21.65▼
2023 · -3.12
Debt
€79k▲
2023 · €52k
Debt ≤ 1 year
€53k▲
2023 · €52k
Debt > 1 year
€27k
Income taxes
€222▼
2023 · €235
Staff costs
€647▼
2023 · €76k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€80k€39k▼
Fixed assets21/28€33k€32k▼
Intangible fixed assets21-€2k
Tangible fixed assets22/27€27k€30k▲
Plant, machinery and equipment23€26k€263▼
Furniture and vehicles24€1k€30k▲
Financial fixed assets28€5k€130▼
Current assets29/58€48k€8k▼
Stocks and contracts in progress3-€528
Stocks30/36-€528
Amounts receivable within one year40/41€8k€5k▼
Trade receivables40€822-
Other amounts receivable41€7k€5k▼
Cash at bank and in hand54/58€35k-
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€80k€39k▼
Equity10/15€28k€-40k▼
Contributions10/11€19k€19k=
Reserves13€120k€120k=
Distributable reserves133€120k€120k=
Profit (loss) carried forward14€-110k€-178k▼
Amounts payable17/49€52k€79k▲
Amounts payable after more than one year17-€27k
Financial debts170/4-€27k
Amounts payable within one year42/48€52k€53k▲
Current portion of amounts payable after more than one year42€6k-
Financial debts43-€8k
Credit institutions430/8-€2k
Other loans439-€6k
Trade debts44€18k€7k▼
Suppliers440/4€18k€7k▼
Taxes, remuneration and social security45€17k€440▼
Taxes450/3€836€440▼
Remuneration and social security454/9€16k-
Other amounts payable47/48€11k€37k▲
Income statement
Code20232024
Remuneration, social security and pensions62€76k€647▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€790▼
Other operating charges640/8€5k€1k▼
Non-recurring operating charges66A-€13k
Gross operating margin9900€62k€-49k▼
Operating profit (loss)9901€-34k€-65k▼
Financial income75/76B€30€31▲
Recurring financial income75€30€31▲
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Profit (loss) for the period before taxes9903€-40k€-68k▼
Income taxes67/77€235€222▼
Profit (loss) for the period9904€-41k€-68k▼
Profit (loss) for the period to be appropriated9905€-41k€-68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-110k€-178k▼
Profit (loss) brought forward from the previous period14P€-69k€-110k▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-68k
Net result drops to €-68k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
13-11-2023
CREEMERS Ellen: Resigned as Director
13-11-2023
SCHEPERS Jo: Resigned as Director
Location & real-estate footprint
Registered office, Sint-Truiden · 1 establishment unit since 2004
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.
Hasseltsesteenweg 4633800 Sint-TruidenGround area
5,720 m²
Building footprint
1,479 m²
Volume, LiDAR
1,460 m³
2 parcels, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Creemers-Schepers
since 20042.143.661.792
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352M0031/00T000 | Flanders | 4,891 m² | 1 · 1,275 m² | - |
| 71047A0158/00F002 | Flanders | 830 m² | 1 · 204 m² | 10.4 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.
Recognitions · licences · registrations
Dual-learning approval
10 endedSimilar companies · same sector, comparable size
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DE KORENBLOEM
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Of 10,409 companies in sector 47110 we hold annual accounts for 5,787. 4,331 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2004
Fiscal year end31-12
Legal name NL
Heylen Assistance
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
49410Freight transport by road
52210Service activities incidental to land transportation
47221Retail sale of meat and meat products, excluding game and poultry
47222Retail trade
47271Retail trade
47291Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.