DAKWERKEN SCHUERMANS
ActiveDAKWERKEN SCHUERMANS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €249k and a net result of €40k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 72% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-3
Solvency93▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.28 against 1.96 in 2024; short-term debt: 20.6% and cash: 35.2% of total assets), and 32.3% of the assets are financed with debt.
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 · 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 · 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
67.7%
Return on assets
10.9%
Age of the figures
9 mo
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
28 d late
2023
29 d late
2022
29 d late
2021
6 d early
2020
2 d early
2019
1 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€249k▲ 19.2%
2024 · €209k
2018: €38k
2019: €63k
2020: €87k
2021: €96k
2022: €184k
2023: €209k
2024: €209k
2018 → 2025
Total assets
€368k▼ 7.1%
2024 · €397k
2018: €163k
2019: €107k
2020: €147k
2021: €173k
2022: €400k
2023: €406k
2024: €397k
2018 → 2025
Net result
€40k▼ 23.4%
2024 · €52k
2018: €-2k
2019: €25k
2020: €24k
2021: €9k
2022: €88k
2023: €25k
2024: €52k
2018 → 2025
Working capital
€97k▼ 3.6%
2024 · €101k
2018: €50k
2019: €50k
2020: €65k
2021: €63k
2022: €107k
2023: €105k
2024: €101k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€184k▲ 91.4%€209k▲ 13.7%€209k=€249k▲ 19.2%
Operating result€11k-€125k▲ 1,034%€26k▼ 79.3%€78k▲ 204%€60k▼ 24.0%
Net result€9k-€88k▲ 901%€25k▼ 71.3%€52k▲ 108%€40k▼ 23.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €368k
Fixed assets
€195k▲ 2.6%
Current assets
€173k▼ 16.1%
Equity and liabilities €368k
Equity
€249k▲ 19.2%
Debt
€119k▼ 36.5%
The debt ratio falls from 47.3% to 32.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€123k▼
2024 · €138k
Cash flow
€103k▼
2024 · €112k
Solvency
67.7%▲
2024 · 52.7%
Current ratio
2.28▲
2024 · 1.96
Quick ratio
2.12▲
2024 · 1.86
Debt / equity
0.48▼
2024 · 0.90
ROE
16.1%▼
2024 · 25.1%
ROA
10.9%▼
2024 · 13.2%
Interest coverage
27.74▲
2024 · 23.27
Debt
€119k▼
2024 · €188k
Debt ≤ 1 year
€76k▼
2024 · €106k
Debt > 1 year
€43k▼
2024 · €82k
Income taxes
€15k▼
2024 · €21k
Staff costs
€137k▼
2024 · €143k
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€397k€368k▼
Fixed assets21/28€190k€195k▲
Tangible fixed assets22/27€190k€195k▲
Land and buildings22€23k€19k▼
Plant, machinery and equipment23€44k€27k▼
Furniture and vehicles24€123k€149k▲
Current assets29/58€207k€173k▼
Stocks and contracts in progress3€10k€13k▲
Stocks30/36€10k€13k▲
Amounts receivable within one year40/41€8k€25k▲
Trade receivables40€4k€7k▲
Other amounts receivable41€4k€18k▲
Cash at bank and in hand54/58€189k€130k▼
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€397k€368k▼
Equity10/15€209k€249k▲
Contributions10/11€19k€19k=
Reserves13€247k€287k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€245k€285k▲
Profit (loss) carried forward14€-56k€-56k▲
Amounts payable17/49€188k€119k▼
Amounts payable after more than one year17€82k€43k▼
Financial debts170/4€82k€43k▼
Amounts payable within one year42/48€106k€76k▼
Current portion of amounts payable after more than one year42€40k€39k▼
Trade debts44€43k€24k▼
Suppliers440/4€43k€24k▼
Taxes, remuneration and social security45€1k€5k▲
Taxes450/3€1k€1k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€21k€9k▼
Income statement
Code20242025
Remuneration, social security and pensions62€143k€137k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€63k▲
Other operating charges640/8€2k€985▼
Gross operating margin9900€284k€261k▼
Operating profit (loss)9901€78k€60k▼
Financial income75/76B€771€359▼
Recurring financial income75€771€359▼
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€73k€56k▼
Income taxes67/77€21k€15k▼
Profit (loss) for the period9904€52k€40k▼
Profit (loss) for the period to be appropriated9905€52k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-16k▼
Profit (loss) brought forward from the previous period14P€-56k€-56k▲
Transfer from equity791/2€53k-
Transfer to equity691/2€52k€40k▼
To other reserves6921€52k€40k▼
Profit to be distributed694/7€53k-
Return on contributions (dividend)694€53k-
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €200kEq €209k ▲13.7%
5 profitable years in a row build equity to €209k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €88k ▲901%
Operating result €125k, net result €88k, both a record.
31-12
Financial
Equity above €150kEq €184k ▲91.4%
4 profitable years in a row build equity to €184k.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
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, Gingelom · 1 establishment unit since 2009
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.
Houtstraat 163890 GingelomGround area
1,620 m²
Building footprint
709 m²
Volume, LiDAR
2,791 m³
Parcel 71026A0205/00S000, Flanders · tallest building 9.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Dakwerken Schuermans bvba
since 20092.176.648.029
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71026A0205/00S000 | Flanders | 1,620 m² | 1 · 709 m² | 9.7 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
2024 to 2025 · 2 entries · 126 EUR awarded · 126 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 75 EUR |
| 2024 | 1 | 126 EUR | 51 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Class dakwerken
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SCHREINEREI MICHAEL HUNGS
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Of 8,558 companies in sector 43410 we hold annual accounts for 4,350. 3,475 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-01-2009
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43230Insulation installation
43291Specialised construction activities
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.