De Schans
ActiveSummary
De Schans has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €529,278 and a net result of €12,486. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 31% of 16765 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70=
Solvency64▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 2.91 against 0.51 in 2024; short-term debt: 4.3% and cash: 12.2% of total assets), but 60.8% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← 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
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
39.2%
Return on assets
0.9%
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 29-06-2026, 32 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
32 d early
2024
30 d early
2023
29 d early
2022
11 d early
2021
27 d early
2020
31 d early
2019
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 25 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 3 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€529,278▲ 2.2%
2024 · €517,969
Total assets
€1.4m▲ 8.2%
2024 · €1.2m
Net result
€12,486▼ 28.5%
2024 · €17,456
Working capital
€110,382
2024 · -€29,566
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€29,414▼ 62.5%€30,106▲ 2.4%€31,153▲ 3.5%€25,980▼ 16.6%€19,901▼ 23.4%
Net result€15,614below the sector's middle half▼ 75.4%€17,180below the sector's middle half▲ 10.0%€18,978within the sector's middle half▲ 10.5%€17,456below the sector's middle half▼ 8.0%€12,486below the sector's middle half▼ 28.5%
Equity€467,886above the sector's middle half▲ 3.6%€483,889above the sector's middle half▲ 3.4%€501,690above the sector's middle half▲ 3.7%€517,969above the sector's middle half▲ 3.2%€529,278above the sector's middle half▲ 2.2%
Total assets€1.4mabove the sector's middle half▼ 8.4%€1.3mabove the sector's middle half▼ 3.6%€1.3mabove the sector's middle half▼ 2.8%€1.2mabove the sector's middle half▼ 2.9%€1.4mabove the sector's middle half▲ 8.2%
Debt€903,943▼ 13.5%€839,178▼ 7.2%€783,823▼ 6.6%€730,008▼ 6.9%€821,252▲ 12.5%
Working capital-€403,795below the sector's middle half▼ 4.3%-€406,017below the sector's middle half▼ 0.6%-€389,360below the sector's middle half▲ 4.1%-€29,566below the sector's middle half▲ 92.4%€110,382within the sector's middle half
Solvency34.1%below the sector's middle half▲ 3.9pp36.6%within the sector's middle half▲ 2.5pp39.0%within the sector's middle half▲ 2.5pp41.5%within the sector's middle half▲ 2.5pp39.2%within the sector's middle half▼ 2.3pp
Current ratio0.09below the sector's middle half▼ 0.170.06below the sector's middle half▼ 0.020.10below the sector's middle half▲ 0.030.51below the sector's middle half▲ 0.412.91within the sector's middle half▲ 2.40
Return on assets (ROA)1.1%below the sector's middle half▼ 3.1pp1.3%below the sector's middle half▲ 0.2pp1.5%below the sector's middle half▲ 0.2pp1.4%below the sector's middle half▼ 0.1pp0.9%below the sector's middle half▼ 0.5pp
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 23% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€1.2m ▼ 2.9%
Current assets
€168,291 ▲ 458%
Equity and liabilities €1.4m
Equity
€529,278 ▲ 2.2%
Debt
€821,252 ▲ 12.5%
Debt's share of the balance-sheet total rises from 58.5% to 60.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€73,802▼
2024 · €79,826
Cash flow
€66,387▼
2024 · €71,302
Debt to equity
1.55▲
2024 · 1.41
ROE
2.4%▼
2024 · 3.4%
Interest coverage
12.70▲
2024 · 11.46
Debt ≤ 1 year
€57,909▼
2024 · €59,748
Debt > 1 year
€763,239▲
2024 · €668,910
Income taxes
€1,604▲
2024 · €1,555
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,732 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €53,416 | €57,171 | €54,300 | €53,817 | €56,431 | ▲ 4.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €50,800 | €52,222 | €52,222 | €53,847 | €53,901 | ▲ 0.1% |
| Other operating charges640/8 | €640 | €646 | €1,884 | €2,282 | €2,389 | ▲ 4.7% |
| Gross operating margin9900 | €80,853 | €82,975 | €85,260 | €82,109 | €76,192 | ▼ 7.2% |
| Operating profit (loss)9901 | €29,414 | €30,106 | €31,153 | €25,980 | €19,901 | ▼ 23.4% |
| Financial charges65/66B | €9,676 | €8,745 | €7,849 | €6,969 | €5,811 | ▼ 16.6% |
| Recurring financial charges65 | €9,676 | €8,745 | €7,849 | €6,969 | €5,811 | ▼ 16.6% |
| Profit (loss) for the period before taxes9903 | €19,738 | €21,361 | €23,304 | €19,011 | €14,090 | ▼ 25.9% |
| Income taxes67/77 | €4,124 | €4,182 | €4,326 | €1,555 | €1,604 | ▲ 3.2% |
| Profit (loss) for the period9904 | €15,614 | €17,180 | €18,978 | €17,456 | €12,486 | ▼ 28.5% |
| Profit (loss) for the period to be appropriated9905 | €15,614 | €17,180 | €18,978 | €17,456 | €12,486 | ▼ 28.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.4m | €1.3m | €1.3m | €1.2m | €1.4m | ▲ 8.2% |
| Fixed assets21/28 | €1.3m | €1.3m | €1.2m | €1.2m | €1.2m | ▼ 2.9% |
| Intangible fixed assets21 | €0 | €0 | - | - | €0 | - |
| Tangible fixed assets22/27 | €1.3m | €1.3m | €1.2m | €1.2m | €1.2m | ▼ 2.9% |
| Land and buildings22 | €1.3m | €1.3m | €1.2m | €1.2m | €1.1m | ▼ 4.0% |
| Plant, machinery and equipment23 | €599 | €524 | €449 | €375 | €300 | ▼ 20.0% |
| Furniture and vehicles24 | €33,772 | €41,823 | €35,646 | €44,088 | €36,779 | ▼ 16.6% |
| Assets under construction and advance payments27 | - | - | - | €12,760 | €30,559 | ▲ 139% |
| Current assets29/58 | €38,975 | €28,207 | €42,875 | €30,182 | €168,291 | ▲ 458% |
| Amounts receivable within one year40/41 | €7,261 | €1,983 | €2,206 | €948 | €1,423 | ▲ 50.1% |
| Trade receivables40 | €135 | €0 | - | - | - | - |
| Other amounts receivable41 | €7,126 | €1,983 | €2,206 | €948 | €1,423 | ▲ 50.1% |
| Cash at bank and in hand54/58 | €29,980 | €24,607 | €39,008 | €27,567 | €165,386 | ▲ 500% |
| Deferred charges and accrued income490/1 | €1,735 | €1,617 | €1,662 | €1,667 | €1,483 | ▼ 11.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.4m | €1.3m | €1.3m | €1.2m | €1.4m | ▲ 8.2% |
| Equity10/15 | €467,886 | €483,889 | €501,690 | €517,969 | €529,278 | ▲ 2.2% |
| Contributions10/11 | - | - | - | €364,405 | €364,405 | = |
| Capital10 | - | - | - | €364,405 | €364,405 | = |
| Profit (loss) carried forward14 | €83,746 | €100,926 | €119,904 | €137,359 | €149,845 | ▲ 9.1% |
| Investment grants15 | €19,734 | €18,558 | €17,381 | €16,204 | €15,027 | ▼ 7.3% |
| Amounts payable17/49 | €903,943 | €839,178 | €783,823 | €730,008 | €821,252 | ▲ 12.5% |
| Amounts payable after more than one year17 | €456,916 | €404,718 | €351,394 | €668,910 | €763,239 | ▲ 14.1% |
| Financial debts170/4 | €456,916 | €404,718 | €351,394 | €296,910 | €244,279 | ▼ 17.7% |
| Other amounts payable178/9 | - | - | - | €372,000 | €518,960 | ▲ 39.5% |
| Amounts payable within one year42/48 | €442,771 | €434,224 | €432,235 | €59,748 | €57,909 | ▼ 3.1% |
| Current portion of amounts payable after more than one year42 | €51,100 | €52,197 | €53,325 | €54,484 | €55,671 | ▲ 2.2% |
| Trade debts44 | €3,283 | €2,995 | €3,458 | €3,834 | €2,239 | ▼ 41.6% |
| Suppliers440/4 | €3,283 | €2,995 | €3,458 | €3,834 | €2,239 | ▼ 41.6% |
| Accrued charges and deferred income492/3 | €4,257 | €235 | €194 | €1,350 | €104 | ▼ 92.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,614 | €17,180 | €18,978 | €17,456 | €12,486 | ▼ 28.5% |
| + Depreciation and write-downs630 | €50,800 | €52,222 | €52,222 | €53,847 | €53,901 | ▲ 0.1% |
| Operating cash flow (approximation) | €66,413 | €69,402 | €71,200 | €71,302 | €66,387 | ▼ 6.9% |
| Investment in fixed assets (approximation) | - | -€14,228 | €0 | -€29,004 | -€18,346 | ▲ 36.7% |
| Change in cash | - | -€5,373 | €14,402 | -€11,441 | €137,819 | ▲ 1,305% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 6current ratio 2.91
Current ratio from 0.51 to 2.91; short-term debt falls from €59,748 to €57,909.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500,000Eq €501,690 ▲3.7%
4 profitable years in a row build equity to €501,690.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €63,563
Net result €63,563 after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 15 acts read
About the unread acts
We know of 15 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
15 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, Heusden-Zolder
Ground area
7,069 m²
Building footprint
420 m²
Volume, LiDAR
4,088 m³
Parcel 71025A0073/00F119, Flanders · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71025A0073/00F119 | Flanders | 7,069 m² | 1 · 419 m² | 13.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 5,533 companies in sector 86931 we hold annual accounts for 553. 228 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formNon-profit association
Founded05-09-1984
Fiscal year end31-12
Activities, NACEBEL 2025
86931Psychology services
68321Property management for co-owned buildings (syndics)
Contact
Website
www.kohesi.be
E-mail
info@kohesi.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0430473231
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.