DE SCHAKEL
ActiveDE SCHAKEL has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €184k and a net result of €24k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 69% of 4610 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+42
Solvency78▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.36 against 0.23 in 2024; short-term debt: 39.2% and cash: 0.4% of total assets), and 47.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
52.5%
Return on assets
7%
Age of the figures
9 mo
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
8 d early
2023
19 d early
2022
17 d early
2021
30 d early
2020
36 d early
2019
14 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€184k▲ 15.4%
2024 · €159k
2018: €55k
2019: €113k
2020: €150k
2021: €148k
2022: €152k
2023: €168k
2024: €159k
2018 → 2025
Total assets
€350k▲ 0.8%
2024 · €347k
2018: €568k
2019: €466k
2020: €455k
2021: €433k
2022: €414k
2023: €390k
2024: €347k
2018 → 2025
Net result
€24k
2024 · €-9k
2018: €56k
2019: €58k
2020: €37k
2021: €-2k
2022: €4k
2023: €16k
2024: €-9k
2018 → 2025
Working capital
€-88k▲ 22.3%
2024 · €-113k
2018: €-174k
2019: €-141k
2020: €-127k
2021: €-152k
2022: €-103k
2023: €-93k
2024: €-113k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€148k-€152k▲ 2.9%€168k▲ 10.5%€159k▼ 5.5%€184k▲ 15.4%
Operating result€1k-€15k▲ 961%€30k▲ 103%€-2k€37k
Net result€-2k-€4k€16k▲ 277%€-9k€24k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €37k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €350k
Fixed assets
€300k▼ 4.2%
Current assets
€49k▲ 48.3%
Equity and liabilities €350k
Equity
€184k▲ 15.4%
Debt
€166k▼ 11.5%
The debt ratio falls from 54.1% to 47.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▲
2024 · €17k
Cash flow
€44k▲
2024 · €9k
Solvency
52.5%▲
2024 · 45.9%
Current ratio
0.36▲
2024 · 0.23
Quick ratio
0.33▲
2024 · 0.20
Debt / equity
0.90▼
2024 · 1.18
ROE
13.3%▲
2024 · -5.8%
ROA
7.0%▲
2024 · -2.7%
Interest coverage
7.22▲
2024 · 2.31
Debt
€166k▼
2024 · €188k
Debt ≤ 1 year
€137k▼
2024 · €146k
Debt > 1 year
€29k▼
2024 · €41k
Income taxes
€4k▲
2024 · €371
Staff costs
€2k▼
2024 · €2k
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€347k€350k▲
Fixed assets21/28€313k€300k▼
Tangible fixed assets22/27€313k€300k▼
Land and buildings22€311k€293k▼
Plant, machinery and equipment23€592€464▼
Furniture and vehicles24€2k€6k▲
Current assets29/58€33k€49k▲
Stocks and contracts in progress3€5k€5k▲
Stocks30/36€5k€5k▲
Amounts receivable within one year40/41€26k€43k▲
Trade receivables40€19k€37k▲
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€1k€2k▲
Deferred charges and accrued income490/1€1k€551▼
Equity and liabilities
Total equity and liabilities10/49€347k€350k▲
Equity10/15€159k€184k▲
Contributions10/11€18k€18k=
Reserves13€131k€131k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€7k€7k=
Distributable reserves133€122k€122k=
Profit (loss) carried forward14€10k€34k▲
Amounts payable17/49€188k€166k▼
Amounts payable after more than one year17€41k€29k▼
Financial debts170/4€41k€29k▼
Amounts payable within one year42/48€146k€137k▼
Current portion of amounts payable after more than one year42€26k€31k▲
Financial debts43€25k€20k▼
Credit institutions430/8€25k€20k▼
Trade debts44€15k€18k▲
Suppliers440/4€15k€18k▲
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€9k€8k▼
Remuneration and social security454/9€108€256▲
Other amounts payable47/48€71k€60k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Other operating charges640/8€31k€32k▲
Gross operating margin9900€50k€90k▲
Operating profit (loss)9901€-2k€37k▲
Financial income75/76B€9€1▼
Recurring financial income75€9€1▼
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€-9k€29k▲
Income taxes67/77€371€4k▲
Profit (loss) for the period9904€-9k€24k▲
Profit (loss) for the period to be appropriated9905€-9k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€34k▲
Profit (loss) brought forward from the previous period14P€19k€10k▼
The notes to these accounts (10 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-9k ▼158%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Equity above €150kEq €152k ▲2.9%
Equity rises from €148k to €152k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €58k ▲3.1%
Net result €58k, the highest in the series.
31-12
Financial
Equity above €100kEq €113k ▲105%
2 profitable years in a row build equity to €113k.
23-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 54 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Laarne · 1 establishment unit since 2008
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.
Brandemanstraat 309270 LaarneGround area
714 m²
Building footprint
299 m²
Volume, LiDAR
1,468 m³
Parcel 42010B0157/00C000, Flanders · tallest building 9.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
De Schakel
since 20082.172.460.005
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42010B0157/00C000 | Flanders | 714 m² | 1 · 299 m² | 9.6 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.
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Of 903 companies in sector 96301 we hold annual accounts for 612. 532 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-2008
Fiscal year end31-12
Activities, NACEBEL
96301Funeral services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.