DE SCHEPPER K.
ActiveSummary
DE SCHEPPER K. has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €710,591 and a net result of €111,466. Equity has been growing by about 14% per year since 2019. Its solvency ranks better than 95% of 20,706 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 13-10-2009 Normal situation
- Activity
- Dental practice NACE 86230
- Establishment unit
- 2.181.919.879 8500 Kortrijk, since 22-10-2009
- Financial year end
- 30 September
- Peppol
- Not found in the Peppol Directory
Board and ownership
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €226,119
- ▲ 7.2%
- Turnover
- ≈ €560,000
- estimated
- Profit
- €111,466
- ▲ 17.2%
- Equity
- €710,591
- ▲ 18.6%
- Total assets
- €728,505
- ▲ 16.1%
- Employees on 30-09-2025
- 1
- =
Score breakdownlowers riskSector: Human health activities (NACE 86)Liquidity: current ratio 35.24, cash €254,157Equity €710,591 (97.5% of total assets)Figures for financial year 2025 (filed on 02-05-2026)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 82% of them on solvency, 80% on liquidity, 41% on profitability and 63% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 6 days before the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 30-04-2026 PDF all 15 filings
Every figure per financial year
The operating result for 2025 is 12% higher than in 2024 and the highest since 2021. It is the third rise in a row, after the fall in 2022.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Staff
| Item | 30-09-2024 | 30-09-2025 |
|---|---|---|
| Employees at the balance-sheet date | 1 | 1 |
| full-time | - | 0 |
| part-time | 1 | 1 |
| in full-time equivalents | 0.6 | 0 |
| Average over the year, in full-time equivalents | 0.6 | 0.6 |
| On a permanent contract | 1 | 1 |
Source: social balance sheet in the 2024 to 2025 annual accounts
Investments
| Item | 30-09-2021 | 30-09-2022 | 30-09-2023 | 30-09-2024 | 30-09-2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €14,573 | €10,123 | €27,769 | €75,130 | €15,096 |
| Intangible fixed assets | - | €2,420 | - | - | - |
| Depreciation and write-downs of the year | €21,168 | €24,111 | €26,595 | €28,212 | €31,845 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €7,500 | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | €23,359 | €23,792 | €26,723 | €28,187 | €28,598 | ▲ 1.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,876 | €22,047 | €21,168 | €24,111 | €26,595 | €28,212 | €31,845 | ▲ 12.9% |
| Other operating charges640/8 | - | - | €2,623 | €2,324 | €1,032 | €4,932 | €2,798 | ▼ 43.3% |
| Non-recurring operating charges66A | - | - | - | - | - | €3,607 | €0 | ▼ 100% |
| Gross operating margin9900 | €129,061 | €133,075 | €165,319 | €166,713 | €188,554 | €210,977 | €226,119 | ▲ 7.2% |
| Operating profit (loss)9901 | €80,631 | €88,329 | €118,169 | €116,486 | €134,204 | €146,040 | €162,877 | ▲ 11.5% |
| Financial income75/76B | - | - | €5,374 | €5,868 | €1,073 | €917 | €6,110 | ▲ 566% |
| Recurring financial income75 | €2,890 | €4,114 | €5,374 | €5,868 | €1,073 | €917 | €6,110 | ▲ 566% |
| Financial charges65/66B | - | - | €1,621 | €1,595 | €1,555 | €1,600 | €1,772 | ▲ 10.8% |
| Recurring financial charges65 | €1,799 | €6,266 | €1,621 | €1,595 | €1,555 | €1,600 | €1,772 | ▲ 10.8% |
| Profit (loss) for the period before taxes9903 | €81,722 | €86,176 | €121,922 | €120,760 | €133,722 | €145,357 | €167,215 | ▲ 15.0% |
| Income taxes67/77 | €31,035 | €32,142 | €40,195 | €40,057 | €44,636 | €50,280 | €55,750 | ▲ 10.9% |
| Profit (loss) for the period9904 | €50,687 | €54,034 | €81,728 | €80,702 | €89,087 | €95,077 | €111,466 | ▲ 17.2% |
| Profit (loss) for the period to be appropriated9905 | €50,687 | €54,034 | €81,728 | €80,702 | €89,087 | €95,077 | €111,466 | ▲ 17.2% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €336,174 | €379,664 | €476,402 | €554,231 | €569,759 | €627,729 | €728,505 | ▲ 16.1% |
| Fixed assets21/28 | €71,200 | €102,595 | €95,999 | €84,432 | €85,606 | €113,917 | €97,168 | ▼ 14.7% |
| Intangible fixed assets21 | - | - | - | €2,258 | €1,774 | €1,290 | €806 | ▼ 37.5% |
| Tangible fixed assets22/27 | €71,200 | €102,595 | €95,999 | €82,174 | €83,832 | €112,627 | €96,362 | ▼ 14.4% |
| Land and buildings22 | - | - | €37,983 | €33,483 | €29,425 | €23,474 | €19,900 | ▼ 15.2% |
| Plant, machinery and equipment23 | - | - | €9,815 | €12,071 | €28,087 | €28,986 | €21,286 | ▼ 26.6% |
| Furniture and vehicles24 | - | - | €48,201 | €36,620 | €26,319 | €60,167 | €55,176 | ▼ 8.3% |
| Current assets29/58 | €264,974 | €277,069 | €380,403 | €469,799 | €484,153 | €513,812 | €631,337 | ▲ 22.9% |
| Amounts receivable within one year40/41 | €5,015 | €25,653 | €51,766 | €71,632 | €24,733 | €6,598 | €46,709 | ▲ 608% |
| Trade receivables40 | - | - | €144 | €144 | €144 | €144 | €1,183 | ▲ 722% |
| Other amounts receivable41 | - | - | €51,622 | €71,488 | €24,589 | €6,454 | €45,525 | ▲ 605% |
| Current investments50/53 | €95,532 | €63,376 | €64,939 | €60,612 | €370,612 | €380,612 | €328,630 | ▼ 13.7% |
| Cash at bank and in hand54/58 | €159,986 | €181,004 | €257,118 | €332,152 | €85,409 | €125,657 | €254,157 | ▲ 102% |
| Deferred charges and accrued income490/1 | - | - | €6,580 | €5,403 | €3,400 | €945 | €1,841 | ▲ 94.9% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €336,174 | €379,664 | €476,402 | €554,231 | €569,759 | €627,729 | €728,505 | ▲ 16.1% |
| Equity10/15 | €313,497 | €367,532 | €449,259 | €529,962 | €544,048 | €599,125 | €710,591 | ▲ 18.6% |
| Contributions10/11 | €18,600 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €294,897 | €348,932 | €430,659 | €511,362 | €525,448 | €580,525 | €691,991 | ▲ 19.2% |
| Non-distributable reserves130/1 | - | - | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,860 | €1,860 | €1,860 | - | - | - |
| Tax-exempt reserves132 | - | - | €18,750 | €18,750 | €18,750 | €18,750 | €18,750 | = |
| Distributable reserves133 | - | - | €410,049 | €490,752 | €504,838 | €561,775 | €673,241 | ▲ 19.8% |
| Profit (loss) carried forward14 | - | - | - | - | - | - | €0 | - |
| Amounts payable17/49 | €22,677 | €12,132 | €27,143 | €24,269 | €25,711 | €28,603 | €17,914 | ▼ 37.4% |
| Amounts payable within one year42/48 | €22,677 | €12,132 | €26,343 | €24,269 | €25,711 | €27,803 | €17,914 | ▼ 35.6% |
| Trade debts44 | €5,380 | €2,455 | €5,933 | €6,117 | €2,672 | €2,721 | €0 | ▼ 100% |
| Suppliers440/4 | - | - | €5,933 | €6,117 | €2,672 | €2,721 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | - | €20,410 | €18,152 | €23,040 | €25,082 | €17,914 | ▼ 28.6% |
| Taxes450/3 | - | - | €15,195 | €15,057 | €19,636 | €20,448 | €14,272 | ▼ 30.2% |
| Remuneration and social security454/9 | - | - | €5,216 | €3,095 | €3,404 | €4,634 | €3,642 | ▼ 21.4% |
| Accrued charges and deferred income492/3 | - | - | €800 | - | - | €800 | €0 | ▼ 100% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €50,687 | €54,034 | €81,728 | €80,702 | €89,087 | €95,077 | €111,466 | ▲ 17.2% |
| + Depreciation and write-downs630 | €20,876 | €22,047 | €21,168 | €24,111 | €26,595 | €28,212 | €31,845 | ▲ 12.9% |
| Operating cash flow (approximation) | €71,563 | €76,082 | €102,896 | €104,813 | €115,682 | €123,289 | €143,311 | ▲ 16.2% |
| Investment in fixed assets (approximation) | - | -€53,443 | -€14,573 | -€12,543 | -€27,769 | -€56,523 | -€15,096 | ▲ 73.3% |
| Change in cash | - | €21,018 | €76,114 | €75,034 | -€246,743 | €40,248 | €128,500 | ▲ 219% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 34,693 companies had the same profile as DE SCHEPPER K. has now. Two years later, 95.3% were still going and 0.7% had gone bankrupt.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
That fits the bankruptcy probability of DE SCHEPPER K. itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for DE SCHEPPER K.. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 15 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-09-2025 | micro format | 30-04-2026 | 2026-00099205 | |
| 30-09-2024 | micro format | 28-04-2025 | 2025-00083042 | |
| 30-09-2023 | micro format | 29-04-2024 | 2024-00081872 | |
| 30-09-2022 | micro format | 28-04-2023 | 2023-00081215 | |
| 30-09-2021 | micro format | 29-04-2022 | 2022-20021365 | |
| 30-09-2020 | micro format | 29-04-2021 | 2021-12600014 | |
| 30-09-2019 | micro format | 25-03-2020 | 2020-07800030 | |
| 30-09-2018 | micro format | 26-04-2019 | 2019-11000400 | |
| 30-09-2017 | micro format | 24-04-2018 | 2018-10500411 | |
| 30-09-2016 | abbreviated format | 25-04-2017 | 2017-09900558 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 29-12-2023 Converted to unavailable equity
- 29-12-2023 Converted to unavailable equity
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| DE SCHEPPER Kathleen Christiane Raoul Dominique Maria |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Bepaalde of onbepaalde termijn, 11.1”“Niet-statutaire bestuurder, 11.2”“Artikel 12, algemene vergadering kan bij gewone meerderheid bezoldiging aan bepaalde bestuurders toekennen”
Capital, shares and profit
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft overdrager,helft koper(s) naar evenredigheid verworven aantal, werkelijke waarde op dag overdracht”
Audit, dissolution and liquidation
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Enige of elke vereffenaar individueel voor alle nodige handelingen,vertegenwoordigt jegens derden inclusief in rechte, cijfermatig verslag…”
Articles of association, deed of 29-12-2023 (in Dutch)
Network & group
DE SCHEPPER K. shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of DE SCHEPPER K.. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
29-12
Gazette deed
Change of role: DE SCHEPPER Kathleen Christiane Raoul Dominique Maria, from statutory manager to statutory directorLegal-form conversion · Capital conversion · Registered office clause14 points ▸
- General meeting, “8500Kortrijk,Beverlaan23, buitengewone algemene vergadering van de aandeelhouders” (deed in Dutch)
- Legal-form conversion, “besloten vennootschap” (deed in Dutch)
- Capital conversion, “Onbeschikbare Inbreng buiten kapitaal-Andere” (deed in Dutch)
- Capital conversion, “Statutair onbeschikbare reserves” (deed in Dutch)
- Capital conversion, “Beschikbare inbreng buiten kapitaal-Andere, Beschikbare reserves” (deed in Dutch)
- Other provision, “statutair onbeschikbaar eigen vermogen” (deed in Dutch)
- Registered office clause, “adres buiten statuten,vermelding in statuten beperkt tot gewest, Vlaams Gewest” (deed in Dutch)
- Amendment of the articles, mentioned 3 times in the deed
- Director resignation, DE SCHEPPER Kathleen Christiane Raoul Dominique Maria (statutory manager)
- Director appointment, DE SCHEPPER Kathleen Christiane Raoul Dominique Maria (statutory director)
- Kind of shares, 186, “gelijke rechten inclusief stemrecht” (deed in Dutch)
- Board composition, DE SCHEPPER Kathleen Christiane Raoul Dominique Maria (statutory director)
- The act holds 2 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 34022E0046/00E000 | Flanders | 1,161 m² | 1 · 306 m² | 19.8 m · 6 |
| 34022E0091/00K005 | Flanders | 703 m² | 1 · 128 m² | 17.9 m · 4 |