DE SCHUTTER
ActiveDE SCHUTTER has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €517. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 54% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-53
Solvency76▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.47 in 2024; short-term debt: 47.1% and cash: 17.4% of total assets), and 48.9% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
51.1%
Return on assets
1%
Age of the figures
9 mo
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
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 31-07-2026, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
30 d late
2022
1 d late
2021
4 d early
2020
31 d late
2019
1 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k=
2024 · €26k
2019: €5k
2020: €13k
2021: €17k
2022: €23k
2023: €23k
2024: €26k
2019 → 2025
Total assets
€51k▼ 8.1%
2024 · €56k
2019: €14k
2020: €20k
2021: €39k
2022: €37k
2023: €38k
2024: €56k
2019 → 2025
Net result
€517▼ 96.2%
2024 · €13k
2019: €-1k
2020: €8k
2021: €6k
2022: €7k
2023: €796
2024: €13k
2019 → 2025
Working capital
€3k▼ 80.0%
2024 · €14k
2019: €4k
2020: €10k
2021: €14k
2022: €12k
2023: €13k
2024: €14k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€23k▲ 31.4%€23k=€26k▲ 15.2%€26k=
Operating result€9k-€11k▲ 11.7%€3k▼ 71.5%€19k▲ 535%€7k▼ 64.2%
Net result€6k-€7k▲ 14.3%€796▼ 88.7%€13k▲ 1,590%€517▼ 96.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51k
Fixed assets
€24k▲ 88.0%
Current assets
€27k▼ 37.3%
Equity and liabilities €51k
Equity
€26k=
Debt
€25k▼ 15.3%
The debt ratio falls from 53.1% to 48.9%. Debt is lower.
Key figures and ratios
EBITDA
€13k▼
2024 · €23k
Cash flow
€7k▼
2024 · €17k
Solvency
51.1%▲
2024 · 46.9%
Current ratio
1.11▼
2024 · 1.47
Quick ratio
0.84▼
2024 · 1.25
Debt / equity
0.96▼
2024 · 1.13
ROE
2.0%▼
2024 · 51.5%
ROA
1.0%▼
2024 · 24.2%
Interest coverage
3.11▼
2024 · 11.92
Debt
€25k▼
2024 · €30k
Debt ≤ 1 year
€24k▼
2024 · €29k
Income taxes
€2k▼
2024 · €4k
Staff costs
€63k▲
2024 · €62k
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€56k€51k▼
Fixed assets21/28€13k€24k▲
Tangible fixed assets22/27€13k€24k▲
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€5k€17k▲
Current assets29/58€43k€27k▼
Stocks and contracts in progress3€6k€7k▲
Stocks30/36€6k€7k▲
Amounts receivable within one year40/41€23k€7k▼
Trade receivables40€21k€6k▼
Other amounts receivable41€2k€900▼
Cash at bank and in hand54/58€9k€9k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€56k€51k▼
Equity10/15€26k€26k=
Contributions10/11€6k€6k=
Reserves13€20k€20k=
Distributable reserves133€20k€20k=
Amounts payable17/49€30k€25k▼
Amounts payable within one year42/48€29k€24k▼
Financial debts43€3k€667▼
Credit institutions430/8-€667
Other loans439€3k-
Trade debts44€2k€9k▲
Suppliers440/4€2k€9k▲
Taxes, remuneration and social security45€14k€11k▼
Taxes450/3€5k€3k▼
Remuneration and social security454/9€9k€8k▼
Other amounts payable47/48€11k€4k▼
Accrued charges and deferred income492/3€420€968▲
Income statement
Code20242025
Remuneration, social security and pensions62€62k€63k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€618€691▲
Gross operating margin9900€85k€77k▼
Operating profit (loss)9901€19k€7k▼
Financial income75/76B€54€82▲
Recurring financial income75€54€82▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€17k€3k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€13k€517▼
Profit (loss) for the period to be appropriated9905€13k€517▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€517▼
Transfer to equity691/2€3k-
To other reserves6921€3k-
Profit to be distributed694/7€10k€517▼
Return on contributions (dividend)694€10k€517▼
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €13k ▲1590%
Operating result €19k, net result €13k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Pajottegem · 1 establishment unit since 2018
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.
Geraardsbergsestraat 131570 PajottegemGround area
1,072 m²
Building footprint
152 m²
Volume, LiDAR
1 m³
Parcel 23023B0566/00N000, Flanders · tallest building 0.7 m. Linked by address, not a title deed.
1 establishment unit
DE SCHUTTER
since 20182.274.087.202
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23023B0566/00N000 | Flanders | 1,072 m² | 1 · 152 m² | 0.7 m |
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
2022 to 2024 · 3 entries · 727 EUR awarded · 727 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 99 EUR | 99 EUR |
| 2023 | 1 | 407 EUR | 407 EUR |
| 2022 | 1 | 221 EUR | 221 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,822 companies in sector 43211 we hold annual accounts for 10,324. 7,751 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2018
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
31001Manufacture of furniture
47540Retail sale of electrical household appliances
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.