DE SCHRIJVER
ActiveDE SCHRIJVER has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €382k and a net result of €10k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 51% of 1846 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
84
/ 100
Excellent▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability13▲+7
Solvency86▼-3
Growth32=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 1.86 in 2023), but 57.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 49
Relative position
BE, all sectors
reference
Sector 49
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
30 d late
2022
3 d early
2021
75 d late
2020
73 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€382k▼ 1.4%
2023 · €387k
2018: €389k
2019: €405k
2020: €497k
2021: €475k
2022: €440k
2023: €387k
2018 → 2024
Total assets
€896k▲ 8.1%
2023 · €828k
2018: €923k
2019: €676k
2020: €845k
2021: €1.00M
2022: €1.04M
2023: €828k
2018 → 2024
Net result
€10k▲ 118%
2023 · €4k
2018: €172k
2019: €151k
2020: €147k
2021: €59k
2022: €29k
2023: €4k
2018 → 2024
Working capital
€243k▼ 13.0%
2023 · €279k
2018: €331k
2019: €401k
2020: €340k
2021: €412k
2022: €279k
2023: €279k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€497k-€475k▼ 4.4%€440k▼ 7.3%€387k▼ 12.0%€382k▼ 1.4%
Operating result€231k-€93k▼ 59.9%€46k▼ 50.1%€13k▼ 71.3%€22k▲ 63.8%
Net result€147k-€59k▼ 59.8%€29k▼ 50.2%€4k▼ 85.1%€10k▲ 118%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 64% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €896k
Fixed assets
€401k▲ 78.3%
Current assets
€494k▼ 18.0%
Equity and liabilities €896k
Equity
€382k▼ 1.4%
Debt
€514k▲ 16.5%
The debt ratio rises from 53.3% to 57.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€148k▲
2023 · €103k
Cash flow
€135k▲
2023 · €94k
Solvency
42.6%▼
2023 · 46.7%
Current ratio
1.97▲
2023 · 1.86
Quick ratio
1.93▲
2023 · 1.84
Debt / equity
1.35▲
2023 · 1.14
ROE
2.5%▲
2023 · 1.1%
ROA
1.1%▲
2023 · 0.5%
Interest coverage
14.97▲
2023 · 13.37
Debt
€514k▲
2023 · €441k
Debt ≤ 1 year
€251k▼
2023 · €324k
Debt > 1 year
€263k▲
2023 · €117k
Income taxes
€5k▲
2023 · €3k
Staff costs
€240k▼
2023 · €243k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€828k€896k▲
Fixed assets21/28€225k€401k▲
Tangible fixed assets22/27€222k€398k▲
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€220k€396k▲
Financial fixed assets28€3k€3k▲
Current assets29/58€603k€494k▼
Stocks and contracts in progress3€6k€9k▲
Stocks30/36€6k€9k▲
Amounts receivable within one year40/41€313k€294k▼
Trade receivables40€296k€225k▼
Other amounts receivable41€16k€69k▲
Cash at bank and in hand54/58€276k€185k▼
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€828k€896k▲
Equity10/15€387k€382k▼
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€367k€361k▼
Tax-exempt reserves132€109k€109k=
Distributable reserves133€258k€253k▼
Profit (loss) carried forward14€2k€2k=
Amounts payable17/49€441k€514k▲
Amounts payable after more than one year17€117k€263k▲
Financial debts170/4€117k€263k▲
Amounts payable within one year42/48€324k€251k▼
Current portion of amounts payable after more than one year42€78k€107k▲
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€189k€110k▼
Suppliers440/4€189k€110k▼
Taxes, remuneration and social security45€31k€21k▼
Taxes450/3€8k€1k▼
Remuneration and social security454/9€24k€20k▼
Other amounts payable47/48€26k€8k▼
Accrued charges and deferred income492/3€167€0▼
Income statement
Code20232024
Non-recurring operating income76A€37k€26k▼
Remuneration, social security and pensions62€243k€240k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€90k€126k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-741€0▲
Other operating charges640/8€35k€37k▲
Gross operating margin9900€380k€425k▲
Operating profit (loss)9901€13k€22k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€8k€10k▲
Recurring financial charges65€8k€10k▲
Profit (loss) for the period before taxes9903€8k€15k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€4k€10k▲
Profit (loss) for the period to be appropriated9905€4k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€11k▲
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer from equity791/2€57k€15k▼
Transfer to equity691/2€4k€10k▲
To the legal reserve6920-€0
To other reserves6921€4k€10k▲
Profit to be distributed694/7€57k€15k▼
Return on contributions (dividend)694€57k€15k▼
Social balance
Average headcount (FTE)90874.65.5▲
The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €4k ▼85.1%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 75 days late
2021
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 73 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
14-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 136 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Asse · 1 establishment unit since 1994
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.
Lindenpark 81730 AsseGround area
1,243 m²
Building footprint
710 m²
Volume, LiDAR
3,574 m³
Parcel 23322B0489/00S000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lindenpark 8, 1730 Asse
since 19942.069.617.833
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23322B0489/00S000 | Flanders | 1,243 m² | 1 · 710 m² | 7.9 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 · 2 entries · 198 EUR awarded · 198 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 54 EUR | 54 EUR |
| 2023 | 1 | 144 EUR | 144 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,449 companies in sector 49410 we hold annual accounts for 8,086. 5,505 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-1994
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.