De Schepper M. Consulting
ActiveDe Schepper M. Consulting has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €35k. Equity is growing by ~162.9% per year across the filed fiscal years. Its solvency ranks better than 69% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+25
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.71 against 1.6 in 2024), and 26.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
73.7%
Return on assets
53.7%
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 01-06-2026, 60 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
60 d early
2024
51 d early
2023
29 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▲ 269%
2024 · €13k
2023: €6k
2024: €13k
2023 → 2025
Total assets
€65k▲ 99.2%
2024 · €33k
2023: €35k
2024: €33k
2023 → 2025
Net result
€35k▲ 371%
2024 · €7k
2023: €6k
2024: €7k
2023 → 2025
Working capital
€47k▲ 294%
2024 · €12k
2023: €4k
2024: €12k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€6k-€13k▲ 133%€48k▲ 269%
Operating result€6k-€14k▲ 145%€45k▲ 225%
Net result€6k-€7k▲ 32.7%€35k▲ 371%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 225% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€2k▲ 28.8%
Current assets
€64k▲ 102%
Equity and liabilities €65k
Equity
€48k▲ 269%
Debt
€17k▼ 12.8%
The debt ratio falls from 60.2% to 26.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€46k▲
2024 · €15k
Cash flow
€36k▲
2024 · €8k
Solvency
73.7%▲
2024 · 39.8%
Current ratio
3.71▲
2024 · 1.60
Quick ratio
3.71▲
2024 · 1.60
Debt / equity
0.36▼
2024 · 1.51
ROE
72.9%▲
2024 · 57.0%
ROA
53.7%▲
2024 · 22.7%
Interest coverage
115.32▲
2024 · 28.71
Debt
€17k▼
2024 · €20k
Debt ≤ 1 year
€17k▼
2024 · €20k
Income taxes
€10k▲
2024 · €6k
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€33k€65k▲
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€1k€2k▲
Current assets29/58€32k€64k▲
Amounts receivable within one year40/41€16k€37k▲
Trade receivables40€16k€37k▲
Cash at bank and in hand54/58€12k€23k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€33k€65k▲
Equity10/15€13k€48k▲
Reserves13€13k€48k▲
Distributable reserves133€13k€48k▲
Amounts payable17/49€20k€17k▼
Amounts payable within one year42/48€20k€17k▼
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€5k▲
Other amounts payable47/48€8k€6k▼
Income statement
Code20242025
Non-recurring operating income76A-€133
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€839€952▲
Other operating charges640/8€182€463▲
Gross operating margin9900€15k€47k▲
Operating profit (loss)9901€14k€45k▲
Financial income75/76B€19€24▲
Recurring financial income75€19€24▲
Financial charges65/66B€517€403▼
Recurring financial charges65€517€403▼
Profit (loss) for the period before taxes9903€13k€45k▲
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€7k€35k▲
Profit (loss) for the period to be appropriated9905€7k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€35k▲
Transfer to equity691/2€7k€35k▲
To other reserves6921€7k€35k▲
The notes to these accounts (4 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €35k ▲371%
Operating result €45k, net result €35k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.71
Current ratio from 1.60 to 3.71; short-term debt falls from €20k to €17k.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · 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
1 act for this company is 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, Rumst · 1 establishment unit since 2023
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.
Laarstraat 332840 RumstGround area
203 m²
Building footprint
88 m²
Volume, LiDAR
543 m³
Parcel 11036B0262/00F000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Schepper M. Consulting
since 20232.344.155.448
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036B0262/00F000 | Flanders | 203 m² | 1 · 88 m² | 9.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 1,338 EUR awarded · 3,084 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 402 EUR | 402 EUR |
| 2024 | 1 | 0 EUR | 1,769 EUR |
| 2023 | 1 | 936 EUR | 913 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 37,849 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.