DE SCHEPPER - BRUYNINCKX
ActiveDE SCHEPPER - BRUYNINCKX has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €358k and a net result of €58k. Equity is growing by ~35.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 4472 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+2
Solvency70▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 0.94 in 2024; short-term debt: 31.9% and cash: 10.6% of total assets), and 54.9% 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 81
Relative position
BE, all sectors
reference
Sector 81
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
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
45.1%
Return on assets
7.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
on the day
2023
30 d late
2022
30 d late
2021
32 d early
2020
13 d late
2019
on the day
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€358k▲ 6.3%
2024 · €337k
2018: €28k
2019: €-7k
2020: €28k
2021: €93k
2022: €243k
2023: €322k
2024: €337k
2018 → 2025
Total assets
€792k▼ 12.9%
2024 · €910k
2018: €760k
2019: €721k
2020: €709k
2021: €712k
2022: €833k
2023: €970k
2024: €910k
2018 → 2025
Net result
€58k▲ 13.1%
2024 · €51k
2018: €-11k
2019: €-34k
2020: €34k
2021: €65k
2022: €151k
2023: €139k
2024: €51k
2018 → 2025
Working capital
€14k
2024 · €-23k
2018: €-364k
2019: €-397k
2020: €-308k
2021: €-231k
2022: €-179k
2023: €-92k
2024: €-23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€243k▲ 163%€322k▲ 32.4%€337k▲ 4.5%€358k▲ 6.3%
Operating result€83k-€199k▲ 141%€172k▼ 13.7%€78k▼ 54.5%€81k▲ 4.0%
Net result€65k-€151k▲ 133%€139k▼ 7.9%€51k▼ 63.2%€58k▲ 13.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €792k
Fixed assets
€525k▼ 3.7%
Current assets
€267k▼ 26.6%
Equity and liabilities €792k
Equity
€358k▲ 6.3%
Provisions
€6k▼ 39.5%
Debt
€428k▼ 23.8%
The debt ratio falls from 61.8% to 54.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€204k▲
2024 · €198k
Cash flow
€181k▲
2024 · €171k
Solvency
45.1%▲
2024 · 37.0%
Current ratio
1.06▲
2024 · 0.94
Quick ratio
1.06▲
2024 · 0.94
Debt / equity
1.20▼
2024 · 1.67
ROE
16.1%▲
2024 · 15.2%
ROA
7.3%▲
2024 · 5.6%
Interest coverage
11.62▲
2024 · 9.41
Debt
€428k▼
2024 · €562k
Debt ≤ 1 year
€253k▼
2024 · €387k
Debt > 1 year
€165k▲
2024 · €160k
Income taxes
€12k▲
2024 · €11k
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€910k€792k▼
Fixed assets21/28€545k€525k▼
Tangible fixed assets22/27€545k€525k▼
Land and buildings22€257k€238k▼
Plant, machinery and equipment23€145k€107k▼
Furniture and vehicles24€143k€180k▲
Financial fixed assets28€270€270=
Current assets29/58€364k€267k▼
Amounts receivable within one year40/41€211k€172k▼
Trade receivables40€206k€171k▼
Other amounts receivable41€5k€2k▼
Current investments50/53€0-
Cash at bank and in hand54/58€138k€84k▼
Deferred charges and accrued income490/1€16k€11k▼
Equity and liabilities
Total equity and liabilities10/49€910k€792k▼
Equity10/15€337k€358k▲
Contributions10/11€6k€6k=
Reserves13€330k€352k▲
Tax-exempt reserves132€74k€62k▼
Distributable reserves133€256k€290k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€11k€6k▼
Deferred taxes168€11k€6k▼
Amounts payable17/49€562k€428k▼
Amounts payable after more than one year17€160k€165k▲
Financial debts170/4€160k€165k▲
Amounts payable within one year42/48€387k€253k▼
Current portion of amounts payable after more than one year42€71k€83k▲
Trade debts44€125k€9k▼
Suppliers440/4€125k€9k▼
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€5k€4k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€185k€154k▼
Accrued charges and deferred income492/3€15k€10k▼
Income statement
Code20242025
Non-recurring operating income76A€5k€17k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€120k€123k▲
Other operating charges640/8€7k€5k▼
Non-recurring operating charges66A-€10k
Gross operating margin9900€205k€219k▲
Operating profit (loss)9901€78k€81k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€21k€18k▼
Recurring financial charges65€21k€18k▼
Profit (loss) for the period before taxes9903€58k€65k▲
Transfer from deferred taxes780€4k€4k=
Income taxes67/77€11k€12k▲
Profit (loss) for the period9904€51k€58k▲
Transfer from tax-exempt reserves789€13k€13k=
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€64k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64k€70k▲
Transfer to equity691/2€27k€34k▲
To other reserves6921€27k€34k▲
Profit to be distributed694/7€37k€37k=
Return on contributions (dividend)694€2k€2k=
Directors or managers695€35k€35k=
The notes to these accounts (16 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €151k ▲133%
Operating result €199k, net result €151k, both a record.
31-12
Financial
Equity above €200kEq €243k ▲163%
3 profitable years in a row build equity to €243k.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Back to profitnet €34k
Net result €34k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-34k
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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
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, Sint-Laureins · 1 establishment unit since 2000
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.
Goochelaarstraat(STL) 119980 Sint-LaureinsGround area
4,224 m²
Building footprint
351 m²
Volume, LiDAR
801 m³
2 parcels, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Goochelaarstraat(STL) 11a, 9980 Sint-Laureins
since 20002.100.645.460
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43014B0971/00F000 | Flanders | 2,923 m² | 1 · 218 m² | - |
| 43014B0970/00L000 | Flanders | 1,301 m² | 1 · 133 m² | 8.9 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 372 EUR awarded · 372 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 372 EUR |
| 2024 | 1 | 372 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 21,219 companies in sector 81300 we hold annual accounts for 4,363. 2,952 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-1999
Fiscal year end31-12
Activities, NACEBEL
01410Raising of dairy cattle
81300Landscape service activities
01110Growing of cereals (except rice), leguminous crops and oil seeds
01123
01301Crop and animal production, hunting and related service activities
47761Retail sale of flowers, plants, seeds and fertilisers
52483
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.