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Complete company report
Generated 19-08-2026
Active BE 0475.738.181Private limited company (pre-2019)

DE SCHILDERNATIE

Molenstraat 63 ·9250 Waasmunster, Belgium· 24 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of DE SCHILDERNATIE is 2.2% (moderate). The 2022 annual accounts show equity of €22k and a net result of €-13k. Equity is shrinking by ~14.5% per year across the filed fiscal years. The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €22k
Net result €-13k
Active 24 yrs
Board 1
Financial profile 5 of 5 axes measured · computed by Checked
Health52Profitability0Solvency100Growth32Stability100
57 / 100

Mixed profile: strong on solvency, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 52
Profitability 0
Solvency 100
Growth 32
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
2.2% Moderate
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +No NACE activity registered +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 2001, 24 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2022 · computed
52 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 26-07-2023 with the NBB · fiscal year 2022 · micro
€-20k€0€20kOperating result 2018: €-740€-740Net result 2018: €-10k€-10kOperating result 2019: €-7k€-7kNet result 2019: €-17k€-17kOperating result 2020: €24k€24kNet result 2020: €11k€11kOperating result 2021: €3k€3kNet result 2021: €147€147Operating result 2022: €-13k€-13kNet result 2022: €-13k€-13k20182019202020212022
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~14.5%/year over 5 fiscal years, indicative, assuming unchanged policy.
€10k€20k€30k€40k2023: €19k (€18k - €21k)2024: €17k (€15k - €19k)2025: €14k (€11k - €17k)2018: €43k2019: €36k2020: €41k2021: €35k2022: €22k20182019202020212022202320242025
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA
€-8k
- 18-22
Net profit
€-13k
- 18-22
Cash flow
€-8k
- 18-22
Total assets
€33k
-64.4% 18-22
Equity
€22k
-37.2% 18-22
Working capital
€13k
+22.1% 18-22
Employees (FTE)
1
+42.9% 18-22
Staff costs
€508
-96.7% 18-22
Show 11 other metrics
Income taxes
€0
-100.0% 18-22
Debt
€11k
-81.0% 18-22
Debt ≤ 1y
€11k
-76.5% 18-22
Debt > 1y
€0
-100.0% 18-22
Current ratio
2.15
+76.0% 18-22
Quick ratio
2.15
+77.9% 18-22
Solvency
66.9%
+76.2% 18-22
Debt / equity
0.49
-69.7% 18-22
ROE
-59.2%
- 18-22
ROA
-39.6%
- 18-22
Interest coverage
-10.62
- 18-22
Figures by fiscal year
Fiscal year2022
Depositmicro
Revenue-
EBITDA€-8k
Net profit€-13k
Cash flow€-8k
Staff costs€508
Income taxes€0
Dividends-
Total assets€33k
Equity€22k
Debt€11k
of which ≤ 1y€11k
of which > 1y€0
Working capital€13k
Employees (FTE)-
Ratios (computed)
2022
Current ratio2.15
Quick ratio2.15
Working capital ratio38.0%
Solvency66.9%
Debt / equity0.49
Long-term debt ratio0.00
Interest coverage-10.62
Gross margin-
Net margin-
ROA-39.6%
ROE-59.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€33k
Fixed assets 21/28€10k
Tangible fixed assets 22/27€10k
Current assets 29/58€24k
Stocks & contracts in progress 3€0
Amounts receivable within one year 40/41€10k
Cash & bank 54/58€13k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€33k
Equity 10/15€22k
Contributions / capital 10/11€19k
Reserves 13€27k
Accumulated profits (losses) 14€-23k
Amounts payable 17/49€11k
Amounts payable after one year 17€0
Amounts payable within one year 42/48€11k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€13k
Operating result 9901€-13k
Financial income 75€487
Financial charges 65€747
Result before taxes 9903€-13k
Income taxes 67/77€0
Net result for the period 9904€-13k
Result to be appropriated 9905€-13k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Yves FERMON
    Director
    State Gazette act 23146205 (17-11-2023)
    Current
    01-08-2023 → present
Former directors (1)
  • Linda BIERMANS
    Director
    State Gazette act 23146205 (17-11-2023)
    Former
    - → 01-08-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary -
Legal form Private limited company (pre-2019)(015)
Incorporation01-10-2001
StatusActive
Postal code9250
Establishment units 1 location
Molenstraat 63, 9250 Waasmunster
het schilderen van schepen door gespecialiseerde eenheden.
since 20012.093.373.826
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
42342C1606/00E000 Flanders 4,416 m² 1 · 333 m² 9.1 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 14 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
07-10-2024
State Gazette act Registered-office change
26-02-2024
State Gazette act Registered-office change
2023
17-11-2023
State Gazette act Capital & shares
26-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
18-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
12-04-2022
State Gazette act Registered-office change
2021
30-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
31-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
25-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
27-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
28-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
25-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
26-08-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
2014
10-07-2014
NBB filing Annual accounts filed
fiscal year 2013 · verkort
Belgian State Gazette reading coverage 0 of 6 acts read

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 4 acts
Capital history · 1
17-11-2023
Capital change
Address history · 3
07-10-2024
Registered-office move
26-02-2024
Registered-office move
12-04-2022
Registered-office move
All acts · 4 updated 1 year ago
2024
07-10-2024 Registered office moved from Sint-Niklaas to Waasmunster Registered-office change
  • Voskenslaan 6 -9100 Sint-Niklaas → Molenstraat 63 te 9250 Waasmunster
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Molenstraat 63 te 9250 Waasmunster",
        "city": "Waasmunster",
        "region": "vlaams_gewest",
        "street": "Molenstraat",
        "country": "BE",
        "postcode": "9250",
        "box_number": null,
        "street_number": "63",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Voskenslaan 6 -9100 Sint-Niklaas",
        "city": "Sint-Niklaas",
        "region": "vlaams_gewest",
        "street": "Voskenslaan",
        "country": "BE",
        "postcode": "9100",
        "box_number": null,
        "street_number": "6",
        "locality_suffix": null
      },
      "effective_date": "2024-08-01",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2024-10-07",
    "filing_date": "2024-09-26",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "bijzondere_algemene_vergadering",
    "date": "2024-07-29",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0475.738.181",
    "name_full": "DE SCHILDERNATIE",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Yves Fermon",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}
26-02-2024 Registered office moved within Sint-Niklaas Registered-office change
  • A. De Jonghestraat 36 J, 9100 Sint-Niklaas → 9100 Sint-Niklaas, A. De Jonghestraat 36 J
Technical details 
{
  "events": [
    {
      "kind": "zetel_clause_amendment_no_move",
      "seat_type": "siege_administratif",
      "new_address": {
        "raw": "9100 Sint-Niklaas, A. De Jonghestraat 36 J",
        "city": "Sint-Niklaas",
        "region": "vlaams_gewest",
        "street": "A. De Jonghestraat",
        "country": "BE",
        "postcode": "9100",
        "box_number": "J",
        "street_number": "36",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "A. De Jonghestraat 36 J, 9100 Sint-Niklaas",
        "city": "Sint-Niklaas",
        "region": "vlaams_gewest",
        "street": "A. De Jonghestraat",
        "country": "BE",
        "postcode": "9100",
        "box_number": "J",
        "street_number": "36",
        "locality_suffix": null
      },
      "effective_date": "2023-08-01",
      "evidence_quote": "De enige bestuurder bevestigt dat de zetel van de vennootschap met ingang van 1 augustus 2023 verplaatst werd naar het volgende adres: 9100 Sint-Niklaas, A. Jorghestraat 36 J.",
      "region_changed": false,
      "is_statute_change": false,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "werkelijke",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    },
    {
      "kind": "zetel_clause_amendment_no_move",
      "seat_type": "siege_administratif",
      "new_address": {
        "raw": "9100 Sint-Niklaas, Voskenslaan 6",
        "city": "Sint-Niklaas",
        "region": "vlaams_gewest",
        "street": "Voskenslaan",
        "country": "BE",
        "postcode": "9100",
        "box_number": null,
        "street_number": "6",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "9100 Sint-Niklaas, Voskensiaan 6",
        "city": "Sint-Niklaas",
        "region": "vlaams_gewest",
        "street": "Voskensiaan",
        "country": "BE",
        "postcode": "9100",
        "box_number": null,
        "street_number": "6",
        "locality_suffix": null
      },
      "effective_date": "2023-08-01",
      "evidence_quote": "Dit moet gelezen worden als: 1. Bevestiging van de verplaatsing van de zetel van de vennootschap naar volgend adres: 9100 Sint-Niklaas, Voskensiaan 6.",
      "region_changed": false,
      "is_statute_change": false,
      "nationality_change": false,
      "old_address_source": "act_body",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "werkelijke",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-02-26",
    "filing_date": "2024-02-15",
    "act_kind_objet": "rechtzetting zetelverplaatsing - volmacht"
  },
  "decision": {
    "body": "enige_bestuurder",
    "date": "2024-02-15",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0475.738.181",
    "name_full": "DE SCHILDERNATIE",
    "legal_form": "besloten vennootschap"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": "0875.430.542",
    "org_name": "VGD Accountants en Belastingconsulenten",
    "person_name": null,
    "org_rep_person_name": "Inge Marquenie",
    "person_role_at_subject": null
  },
  "co_filed_documents": []
}
2023
17-11-2023 All shares are now held by a single shareholder Capital & shares
Technical details 
{
  "events": [
    {
      "kind": "eenhoofdigheid_declaration",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2023-10-30",
    "act_kind_objet": "Mededeling vereniging van alle aandelen in \u00E9\u00E9n hand - ontslag en benoeming bestuurder - zetelverplaatsing - volmacht"
  },
  "decision": {
    "body": "enige_aandeelhouder_schriftelijk",
    "act_date": null,
    "unanimous": null,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2023-10-17"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0475.738.181",
    "name_full": "DE SCHILDERNATIE",
    "legal_form": "besloten vennootschap",
    "_kbo_filled_from_list": true,
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": "0875.430.542",
    "org_name": "VGD Accountants Belastingconsulenten",
    "person_name": null,
    "org_rep_person_name": "Inge MARQUNIE",
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "shareholders_after": [],
  "share_classes_after": []
}
2022
12-04-2022 Registered office moved from Antwerpen to Schilde Registered-office change
  • De Berlaimontstraat 85- 2100 Antwerpen → 2970 Schilde, Karekiet 44
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "2970 Schilde, Karekiet 44",
        "city": "Schilde",
        "region": "vlaams_gewest",
        "street": "Karekiet",
        "country": "BE",
        "postcode": "2970",
        "box_number": null,
        "street_number": "44",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "De Berlaimontstraat 85- 2100 Antwerpen",
        "city": "Antwerpen",
        "region": "vlaams_gewest",
        "street": "De Berlaimontstraat",
        "country": "BE",
        "postcode": "2100",
        "box_number": null,
        "street_number": "85",
        "locality_suffix": null
      },
      "effective_date": "2022-03-30",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-04-12",
    "filing_date": "2022-03-30",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "enig_aandeelhouder_schriftelijk",
    "date": "2022-03-11",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0475.738.181",
    "name_full": "De Schildernatie",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Rinda Biermans",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [
    "Uittreksel uit het verslag van het bestuursorgaan van 11 maart 2022"
  ]
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL DE SCHILDERNATIE
Registered office
Molenstraat 63
9250 Waasmunster, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative