E.C. De Schepper
ActiveSummary
E.C. De Schepper has been active since 1969 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €223,609 and a net result of €1,155. Equity is shrinking by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 77% of 7900 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability66▼-3
Solvency93▲+30
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 3.11 against 1.99 in 2024; short-term debt: 32% and cash: 64.3% of total assets), and 32% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
68%
Return on assets
0.4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 01-10-2025, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
21 d early
2023
40 d early
2022
35 d early
2021
107 d late
2020
240 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 32 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close27-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#7 oldest company in Mechelen, Construction sector
Equity
€223,609▲ 0.5%
2024 · €222,454
Total assets
€328,719▼ 44.4%
2024 · €590,894
Net result
€1,155▼ 36.7%
2024 · €1,823
Working capital
€222,001▼ 24.4%
2024 · €293,722
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€64,859▲ 180%€8,628▼ 86.7%€146,707▲ 1,600%€12,536▼ 91.5%€5,526▼ 55.9%
Net result€38,636▼ 58.0%-€2,919€50,141€1,823▼ 96.4%€1,155▼ 36.7%
Equity€301,130▲ 14.7%€298,211▼ 1.0%€348,351▲ 16.8%€222,454▼ 36.1%€223,609▲ 0.5%
Total assets€1.3m▼ 23.1%€1.0m▼ 22.9%€799,503▼ 21.0%€590,894▼ 26.1%€328,719▼ 44.4%
Debt€846,311▼ 32.6%€572,677▼ 32.3%€451,151▼ 21.2%€368,440▼ 18.3%€105,110▼ 71.5%
Working capital€382,537▲ 24.1%€399,350▲ 4.4%€349,557▼ 12.5%€293,722▼ 16.0%€222,001▼ 24.4%
Staff (FTE)4.8▼ 17.2%4▼ 16.7%4=4=3.8▼ 5.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 56% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €328,719
Fixed assets
€1,608 ▼ 14.9%
Current assets
€327,111 ▼ 44.5%
Equity and liabilities €328,719
Equity
€223,609 ▲ 0.5%
Debt
€105,110 ▼ 71.5%
Debt's share of the balance-sheet total falls from 62.4% to 32.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5,808▼
2024 · €25,440
Cash flow
€1,437▼
2024 · €14,727
Current ratio
3.11▲
2024 · 1.99
Quick ratio
3.06▲
2024 · 1.99
Debt to equity
0.47▼
2024 · 1.66
ROE
0.5%▼
2024 · 0.8%
ROA
0.4%▲
2024 · 0.3%
Interest coverage
5.67▼
2024 · 45.19
Debt ≤ 1 year
€105,110▼
2024 · €295,282
Income taxes
€3,450▼
2024 · €9,774
Staff costs
€203,603▼
2024 · €216,384
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 16,986 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €141,742 | - | - | - |
| Remuneration, social security and pensions62 | - | €264,681 | €224,060 | €216,384 | €203,603 | ▼ 5.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €61,456 | €37,524 | €31,766 | €12,904 | €282 | ▼ 97.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€3,048 | - | - | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | -€23,749 | - | - | - | - |
| Other operating charges640/8 | - | €8,453 | €4,196 | €6,181 | €4,327 | ▼ 30.0% |
| Gross operating margin9900 | €354,550 | €292,488 | €406,728 | €248,005 | €213,739 | ▼ 13.8% |
| Operating profit (loss)9901 | €64,859 | €8,628 | €146,707 | €12,536 | €5,526 | ▼ 55.9% |
| Financial income75/76B | - | €13,745 | €2,297 | €456 | €103 | ▼ 77.4% |
| Recurring financial income75 | €5,120 | €3,856 | €1,447 | €231 | €103 | ▼ 55.4% |
| Non-recurring financial income76B | - | €9,889 | €850 | €224 | - | - |
| Financial charges65/66B | - | €8,816 | €2,859 | €1,394 | €1,024 | ▼ 26.6% |
| Recurring financial charges65 | €3,983 | €3,007 | €1,649 | €563 | €1,024 | ▲ 81.9% |
| Non-recurring financial charges66B | - | €5,809 | €1,210 | €831 | - | - |
| Profit (loss) for the period before taxes9903 | €64,343 | €13,557 | €146,145 | €11,598 | €4,605 | ▼ 60.3% |
| Income taxes67/77 | €25,707 | €16,476 | €96,004 | €9,774 | €3,450 | ▼ 64.7% |
| Profit (loss) for the period9904 | €38,636 | -€2,919 | €50,141 | €1,823 | €1,155 | ▼ 36.7% |
| Transfer from tax-exempt reserves789 | - | €2,479 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €38,636 | -€440 | €50,141 | €1,823 | €1,155 | ▼ 36.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.0m | €799,503 | €590,894 | €328,719 | ▼ 44.4% |
| Fixed assets21/28 | €84,083 | €46,560 | €14,794 | €1,890 | €1,608 | ▼ 14.9% |
| Intangible fixed assets21 | €73,715 | €43,000 | €12,286 | - | - | - |
| Tangible fixed assets22/27 | €9,603 | €2,794 | €1,742 | €1,124 | €842 | ▼ 25.1% |
| Plant, machinery and equipment23 | - | €2,794 | €1,742 | €1,124 | €842 | ▼ 25.1% |
| Financial fixed assets28 | €766 | €766 | €766 | €766 | €766 | = |
| Current assets29/58 | €1.2m | €966,070 | €784,708 | €589,004 | €327,111 | ▼ 44.5% |
| Amounts receivable after more than one year29 | - | €300,000 | - | - | - | - |
| Other amounts receivable291 | - | €300,000 | - | - | - | - |
| Stocks and contracts in progress3 | €36,800 | €35,400 | €6,600 | - | €5,172 | - |
| Stocks30/36 | - | €35,400 | €6,600 | - | €5,172 | - |
| Amounts receivable within one year40/41 | €692,958 | €314,436 | €378,995 | €442,747 | €110,645 | ▼ 75.0% |
| Trade receivables40 | - | €213,455 | €296,387 | €375,682 | €110,369 | ▼ 70.6% |
| Other amounts receivable41 | - | €100,981 | €82,608 | €67,065 | €276 | ▼ 99.6% |
| Cash at bank and in hand54/58 | €486,189 | €316,234 | €399,113 | €146,257 | €211,294 | ▲ 44.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.0m | €799,503 | €590,894 | €328,719 | ▼ 44.4% |
| Equity10/15 | €301,130 | €298,211 | €348,351 | €222,454 | €223,609 | ▲ 0.5% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €239,130 | €236,211 | €286,351 | €160,454 | €161,609 | ▲ 0.7% |
| Non-distributable reserves130/1 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | - | €230,011 | €280,152 | €154,254 | €155,409 | ▲ 0.7% |
| Profit (loss) carried forward14 | -€46,503 | - | - | - | - | - |
| Provisions and deferred taxes16 | €165,491 | €141,742 | - | - | - | - |
| Provisions for liabilities and charges160/5 | - | €141,742 | - | - | - | - |
| Other liabilities and charges164/5 | - | €141,742 | - | - | - | - |
| Amounts payable17/49 | €846,311 | €572,677 | €451,151 | €368,440 | €105,110 | ▼ 71.5% |
| Amounts payable within one year42/48 | €846,311 | €566,719 | €435,151 | €295,282 | €105,110 | ▼ 64.4% |
| Trade debts44 | €501,030 | €232,591 | €386,866 | €180,172 | €25,122 | ▼ 86.1% |
| Suppliers440/4 | - | €232,591 | €386,866 | €180,172 | €25,122 | ▼ 86.1% |
| Taxes, remuneration and social security45 | - | €56,177 | €42,427 | €33,266 | €73,532 | ▲ 121% |
| Taxes450/3 | - | €23,421 | €3,519 | €9,969 | €51,067 | ▲ 412% |
| Remuneration and social security454/9 | - | €32,756 | €38,908 | €23,298 | €22,464 | ▼ 3.6% |
| Other amounts payable47/48 | - | €277,952 | €5,859 | €81,843 | €6,456 | ▼ 92.1% |
| Accrued charges and deferred income492/3 | - | €5,958 | €16,000 | €73,159 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €38,636 | -€2,919 | €50,141 | €1,823 | €1,155 | ▼ 36.7% |
| + Depreciation and write-downs630 | €61,456 | €37,524 | €31,766 | €12,904 | €282 | ▼ 97.8% |
| Operating cash flow (approximation) | €100,093 | €34,605 | €81,907 | €14,727 | €1,437 | ▼ 90.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€169,955 | €82,880 | -€252,857 | €65,037 | ▲ 126% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
01-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Back to profitnet €50,141
Net result €50,141 after one loss-making year.
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Weakest financial yearnet -€2,919
Net result drops to -€2,919, the lowest in the series; recovery starts the following year.
15-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 107 days late
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 240 days late
2020
31-03
Financial
Highest result since 2019net €91,881 ▲5,034%
Net result €91,881, the highest in the series.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
05-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 35 days late
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Mechelen · 2 establishment units since 1971
Ground area
5,205 m²
Building footprint
276 m²
Volume, LiDAR
2,564 m³
2 parcels, Brussels, Flanders · tallest building 16.0 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Establishment
since 19712.004.974.360
E.C. De Schepper
since 20122.213.279.583
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403E0729/00B005 | Flanders | 5,039 m² | 1 · 276 m² | 16.0 m · 3 fl. |
| 21906D0061/00K004 | Brussels | 165 m² | - | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-03-2023 list no shareholders, and no other source names one.
Holdings 1
-
47.6%
According to the annual accounts to 31-03-2023 of E.C. De Schepper and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
894500JUL3Q9PVYV7529
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Of 4,093 companies in sector 43240 we hold annual accounts for 1,634. 1,260 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded22-12-1969
Fiscal year end31-03
Activities, NACEBEL 2025
43240Other construction installation
43320Joinery installation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0406933212
Also
9925:BE0406933212
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.