DE SCHEPPER
ActiveSummary
DE SCHEPPER has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €11.5m and a net result of €1.7m. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 68% of 6537 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability64▼-4
Solvency75▲+14
Growth78▼-2
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €750,000 at 30 days acceptable
Liquidity ample (current ratio 1.76 against 1.43 in 2023; short-term debt: 49% and cash: 2% of total assets), but 50.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
49.7%
Return on assets
7.4%
Age of the figures
21 mo
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 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
57 d early
2022
28 d early
2021
62 d early
2020
64 d early
2019
15 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 45 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
Turnover
€72.4m▲ 4.5%
2023 · €69.2m
EBIT margin
3.6%▼ 1.9pp
2023 · 5.5%
Net result
€1.7m▼ 34.2%
2023 · €2.6m
Working capital
€8.6m▲ 11.1%
2023 · €7.8m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20202021202220232024
Turnover€34.7m▲ 13.1%€40.7m▲ 17.3%€43.8m▲ 7.4%€69.2m▲ 58.2%€72.4m▲ 4.5%
Operating result€886,283▼ 39.2%€1.2m▲ 37.5%€2.0m▲ 60.2%€3.8m▲ 93.8%€2.6m▼ 31.9%
Net result€654,162above the sector's middle half▼ 34.9%€900,258above the sector's middle half▲ 37.6%€1.4mabove the sector's middle half▲ 59.6%€2.6mabove the sector's middle half▲ 80.3%€1.7mabove the sector's middle half▼ 34.2%
EBIT margin2.6%▼ 2.2pp3.0%▲ 0.4pp4.5%▲ 1.5pp5.5%▲ 1.0pp3.6%▼ 1.9pp
Equity€7.3mabove the sector's middle half▲ 3.2%€7.8mabove the sector's middle half▲ 6.5%€8.8mabove the sector's middle half▲ 13.0%€10.7mabove the sector's middle half▲ 20.9%€11.5mabove the sector's middle half▲ 7.5%
Total assets€12.4mabove the sector's middle half▼ 5.9%€11.7mabove the sector's middle half▼ 5.8%€23.6mabove the sector's middle half▲ 101%€29.3mabove the sector's middle half▲ 24.0%€23.1mabove the sector's middle half▼ 21.2%
Debt€5.1m▼ 16.5%€3.9m▼ 23.5%€14.8m▲ 278%€18.6m▲ 25.9%€11.6m▼ 37.6%
Working capital€4.9m▲ 9.5%€5.0m▲ 1.2%€5.7m▲ 14.6%€7.8m▲ 35.4%€8.6m▲ 11.1%
Solvency58.9%above the sector's middle half▲ 5.2pp66.6%above the sector's middle half▲ 7.7pp37.4%within the sector's middle half▼ 29.3pp36.4%within the sector's middle half▼ 0.9pp49.7%within the sector's middle half▲ 13.2pp
Staff (FTE)33.4above the sector's middle half▲ 3.4%32.1above the sector's middle half▼ 3.9%32.5above the sector's middle half▲ 1.2%36.7above the sector's middle half▲ 12.9%41.2above the sector's middle half▲ 12.3%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 32% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €23.1m
Fixed assets
€3.2m ▼ 5.9%
Current assets
€19.9m ▼ 23.1%
Equity and liabilities €23.1m
Equity
€11.5m ▲ 7.5%
Debt
€11.6m ▼ 37.6%
Debt's share of the balance-sheet total falls from 63.6% to 50.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2.9m▼
2023 · €4.1m
Cash flow
€2.1m▼
2023 · €2.9m
Current ratio
1.76▲
2023 · 1.43
Quick ratio
0.49▲
2023 · 0.46
Debt to equity
1.01▼
2023 · 1.74
ROE
14.9%▼
2023 · 24.3%
ROA
7.4%▼
2023 · 8.9%
Interest coverage
13.95▲
2023 · 13.30
Debt ≤ 1 year
€11.3m▼
2023 · €18.2m
Debt > 1 year
€249,600▼
2023 · €374,400
Income taxes
€544,238▼
2023 · €897,808
Staff costs
€3.1m▲
2023 · €2.7m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,129 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 20,129 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €44.3m | €47.8m | €76.6m | €79.4m | ▲ 3.7% |
| Turnover70 | €34.7m | €40.7m | €43.8m | €69.2m | €72.4m | ▲ 4.5% |
| Other operating income74 | - | €3.6m | €4.0m | €7.4m | €7.1m | ▼ 4.5% |
| Non-recurring operating income76A | - | - | - | - | €782 | - |
| Operating charges60/66A | - | €43.1m | €45.8m | €72.8m | €76.9m | ▲ 5.5% |
| Goods for resale, raw materials and consumables60 | - | €39.1m | €41.2m | €66.7m | €71.0m | ▲ 6.4% |
| Purchases600/8 | - | €37.7m | €50.7m | €70.5m | €67.6m | ▼ 4.0% |
| Change in stocks: decrease (increase)609 | - | €1.4m | -€9.5m | -€3.7m | €3.4m | ▲ 191% |
| Services and other goods61 | - | €1.6m | €2.0m | €2.6m | €2.6m | ▼ 1.0% |
| Remuneration, social security and pensions62 | - | €2.1m | €2.2m | €2.7m | €3.1m | ▲ 12.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €258,432 | €263,470 | €317,116 | €350,928 | €355,238 | ▲ 1.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€16,827 | €308 | €317,971 | -€279,771 | ▼ 188% |
| Other operating charges640/8 | - | €88,578 | €72,017 | €79,224 | €90,607 | ▲ 14.4% |
| Non-recurring operating charges66A | - | €0 | - | - | €1,542 | - |
| Operating profit (loss)9901 | €886,283 | €1.2m | €2.0m | €3.8m | €2.6m | ▼ 31.9% |
| Financial income75/76B | - | €8,834 | €35,013 | €33,587 | €27,617 | ▼ 17.8% |
| Recurring financial income75 | €9,101 | €8,834 | €35,013 | €33,587 | €27,617 | ▼ 17.8% |
| Income from current assets751 | - | €0 | €25,065 | €30,875 | €20,517 | ▼ 33.5% |
| Other financial income752/9 | - | €8,834 | €9,948 | €2,712 | €7,100 | ▲ 162% |
| Financial charges65/66B | - | €5,354 | €27,246 | €328,611 | €353,655 | ▲ 7.6% |
| Recurring financial charges65 | €2,938 | €5,354 | €27,246 | €316,119 | €230,289 | ▼ 27.2% |
| Debt charges650 | €133 | €1,461 | €2,707 | €310,972 | €210,158 | ▼ 32.4% |
| Other financial charges652/9 | - | €3,893 | €24,539 | €5,148 | €20,132 | ▲ 291% |
| Non-recurring financial charges66B | - | €0 | - | €12,491 | €123,365 | ▲ 888% |
| Profit (loss) for the period before taxes9903 | €887,568 | €1.2m | €2.0m | €3.5m | €2.3m | ▼ 35.5% |
| Income taxes67/77 | €233,406 | €322,234 | €523,746 | €897,808 | €544,238 | ▼ 39.4% |
| Taxes670/3 | - | €322,234 | €523,746 | €897,808 | €544,238 | ▼ 39.4% |
| Tax adjustments and reversals of tax provisions77 | - | €0 | - | - | - | - |
| Profit (loss) for the period9904 | €654,162 | €900,258 | €1.4m | €2.6m | €1.7m | ▼ 34.2% |
| Profit (loss) for the period to be appropriated9905 | €654,162 | €900,258 | €1.4m | €2.6m | €1.7m | ▼ 34.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €12.4m | €11.7m | €23.6m | €29.3m | €23.1m | ▼ 21.2% |
| Fixed assets21/28 | €2.4m | €2.8m | €3.6m | €3.4m | €3.2m | ▼ 5.9% |
| Tangible fixed assets22/27 | €2.4m | €2.8m | €3.6m | €3.3m | €3.1m | ▼ 6.0% |
| Land and buildings22 | - | €1.8m | €1.7m | €1.6m | €1.5m | ▼ 6.4% |
| Plant, machinery and equipment23 | - | €431,227 | €645,803 | €580,560 | €586,105 | ▲ 1.0% |
| Furniture and vehicles24 | - | €107,472 | €138,091 | €124,428 | €103,093 | ▼ 17.1% |
| Other tangible fixed assets26 | - | €450,742 | €1.1m | €1.1m | €972,356 | ▼ 7.9% |
| Financial fixed assets28 | €32,000 | €32,000 | €32,000 | €32,000 | €32,000 | = |
| Affiliated companies280/1 | - | €32,000 | €32,000 | €32,000 | €32,000 | = |
| Participating interests280 | - | €32,000 | €32,000 | €32,000 | €32,000 | = |
| Current assets29/58 | €10.0m | €8.9m | €20.0m | €25.9m | €19.9m | ▼ 23.1% |
| Amounts receivable after more than one year29 | - | €1.1m | €750,000 | €700,000 | €700,000 | = |
| Other amounts receivable291 | - | €1.1m | €750,000 | €700,000 | €700,000 | = |
| Stocks and contracts in progress3 | €6.0m | €4.6m | €14.1m | €17.6m | €14.4m | ▼ 17.8% |
| Stocks30/36 | - | €4.6m | €14.1m | €17.6m | €14.4m | ▼ 17.8% |
| Goods purchased for resale34 | - | €4.6m | €14.1m | €17.6m | €14.4m | ▼ 17.8% |
| Amounts receivable within one year40/41 | €1.6m | €590,451 | €3.1m | €6.2m | €4.1m | ▼ 33.6% |
| Trade receivables40 | - | €471,733 | €1.9m | €4.7m | €3.7m | ▼ 20.3% |
| Other amounts receivable41 | - | €118,718 | €1.2m | €1.5m | €399,034 | ▼ 74.1% |
| Cash at bank and in hand54/58 | €1.1m | €2.5m | €1.9m | €1.2m | €452,696 | ▼ 62.4% |
| Deferred charges and accrued income490/1 | - | €129,642 | €140,650 | €219,452 | €190,908 | ▼ 13.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €12.4m | €11.7m | €23.6m | €29.3m | €23.1m | ▼ 21.2% |
| Equity10/15 | €7.3m | €7.8m | €8.8m | €10.7m | €11.5m | ▲ 7.5% |
| Contributions10/11 | €500,000 | €500,000 | €500,000 | €500,000 | €500,000 | = |
| Capital10 | - | €500,000 | €500,000 | €500,000 | €500,000 | = |
| Issued capital100 | - | €500,000 | €500,000 | €500,000 | €500,000 | = |
| Reserves13 | €6.8m | €7.3m | €8.3m | €10.2m | €11.0m | ▲ 7.9% |
| Non-distributable reserves130/1 | - | €108,428 | €108,428 | €108,428 | €108,428 | = |
| Legal reserve130 | - | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Reserves not available under the articles1311 | - | €8,428 | €8,428 | €8,428 | €8,428 | = |
| Distributable reserves133 | - | €7.2m | €8.2m | €10.1m | €10.9m | ▲ 7.9% |
| Amounts payable17/49 | €5.1m | €3.9m | €14.8m | €18.6m | €11.6m | ▼ 37.6% |
| Amounts payable after more than one year17 | - | - | €499,200 | €374,400 | €249,600 | ▼ 33.3% |
| Financial debts170/4 | - | - | €499,200 | €374,400 | €249,600 | ▼ 33.3% |
| Other loans174 | - | - | €499,200 | €374,400 | €249,600 | ▼ 33.3% |
| Amounts payable within one year42/48 | €5.1m | €3.9m | €14.2m | €18.2m | €11.3m | ▼ 37.8% |
| Current portion of amounts payable after more than one year42 | - | - | €4.4m | €124,800 | €124,800 | = |
| Financial debts43 | - | - | - | €5.0m | €3.0m | ▼ 40.0% |
| Credit institutions430/8 | - | - | - | €5.0m | €3.0m | ▼ 40.0% |
| Trade debts44 | €4.4m | €3.2m | €8.0m | €10.7m | €6.5m | ▼ 39.2% |
| Suppliers440/4 | - | €3.2m | €8.0m | €10.7m | €6.5m | ▼ 39.2% |
| Advances received on contracts in progress46 | - | €97,583 | €0 | - | - | - |
| Taxes, remuneration and social security45 | - | €189,810 | €613,194 | €578,269 | €638,072 | ▲ 10.3% |
| Taxes450/3 | - | €2,234 | €316,779 | €253,532 | €261,609 | ▲ 3.2% |
| Remuneration and social security454/9 | - | €187,576 | €296,416 | €324,737 | €376,463 | ▲ 15.9% |
| Other amounts payable47/48 | - | €425,000 | €1.2m | €1.8m | €1.0m | ▼ 41.5% |
| Accrued charges and deferred income492/3 | - | €8,909 | €37,153 | €70,026 | €59,718 | ▼ 14.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €654,162 | €900,258 | €1.4m | €2.6m | €1.7m | ▼ 34.2% |
| + Depreciation and write-downs630 | €258,432 | €263,470 | €317,116 | €350,928 | €355,238 | ▲ 1.2% |
| Operating cash flow (approximation) | €912,594 | €1.2m | €1.8m | €2.9m | €2.1m | ▼ 29.9% |
| Investment in fixed assets (approximation) | - | -€673,231 | -€1.1m | -€73,086 | -€156,689 | ▼ 114% |
| Change in cash | - | €1.4m | -€610,413 | -€647,580 | -€750,577 | ▼ 15.9% |
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
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €2.6m ▲80.3%
Operating result €3.8m, net result €2.6m, both a record.
31-12
Financial
Equity above €10mEq €10.7m ▲20.9%
6 profitable years in a row build equity to €10.7m.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €654,162 ▼34.9%
Net result drops to €654,162, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
02-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-05
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.
0 of 10 acts read
About the unread acts
We know of 10 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
10 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, Sint-Niklaas · 1 establishment unit since 1979
Ground area
8,000 m²
Building footprint
3,386 m²
Volume, LiDAR
20,346 m³
Parcel 46442C0540/00W000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
DE SCHEPPER
since 19792.016.635.245
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46442C0540/00W000 | Flanders | 8,000 m² | 1 · 3,386 m² | 7.3 m · 2 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.
Structure & network
Owners and holdings
1 ownerChain of control
- Administratiekantoor HAGEDS
- DE SCHEPPER
Highest known parent: Administratiekantoor HAGEDS. The sources do not say who stands above it.
Owners 1
- Sourceown accounts 2023100%
Holdings 0
The accounts to 31-12-2023 list no holdings, and no other source names one.
According to the 2023 annual accounts of DE SCHEPPER and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 3 entries · 16,675 EUR awarded · 16,675 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 2 | 7,825 EUR | 7,825 EUR |
| 2022 | 1 | 8,850 EUR | 8,850 EUR |
Recognitions · licences · registrations
Dual-learning approval
2 live approvals · 2 endedAutotechnieken duaal (so)
Polyvalent mecanicien personenwagens en lichte bedrijfsvoertuigen duaal (so)
Show 2 ended approvals
Autotechnieken duaal (so)
Polyvalent mecanicien personenwagens en lichte bedrijfsvoertuigen duaal (so)
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 825 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded22-12-1978
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0418944087
Also
9925:BE0418944087
Registered
17-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.