Active BE 0455.711.641Private limited company

Etablissements Jérôme SCHEVENEELS

Rue Fond de Bousalle 10B ·5300 Andenne, Belgium· 31 yrs active

Sector: Installation of electric heating, air conditioning, cooling and ventilation (43222)

Conclusion Checked

Etablissements Jérôme SCHEVENEELS has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €12k. Equity is growing by ~87.8% per year across the filed fiscal years. Its solvency ranks better than 36% of 26547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€46k
Net result	€12k
Staff (FTE)	0.8
Better than sector	36%

Financial profile 5 of 5 axes measured · computed by Checked

83 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 76

Profitability 100

Solvency 63

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.7% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1995, 31 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.

Checked score FY 2025 · computed

76 / 100 Excellent

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.

Indicative credit limit

€4k

estimate, not credit advice

Score history

8 2022

51 2023

81 2024

76 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 1.39 (≥ 1.0) +5

Leverage Debt/equity 1.91 (< 2.0) +3

Profitability ROE 27% (≥ 10%) +10

Interest coverage Interest coverage 15.6× (≥ 3×) +8

Profit trend Net profit down YoY -3

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview30 NBB filings

Annual accounts filed on 24-08-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~87.8%/year over 4 fiscal years, indicative, assuming unchanged policy.

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).

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	34.3%	47.4%	better than 36% of 26547 sector peers
Net result	€12k	€10k	better than 54% of 26539 sector peers
Equity	€46k	€60k	better than 43% of 26557 sector peers
Gross operating margin	€57k	€39k	better than 61% of 26517 sector peers
Staff costs	€25k	€40k	higher than 42% of 10249 sector peers

EBITDA

€32k

-29.9% 22-25

Net profit

€12k

-61.9% 22-25

Cash flow

€26k

-31.3% 22-25

Total assets

€134k

+26.5% 22-25

Equity

€46k

+36.8% 22-25

Working capital

€21k

+33.2% 22-25

Employees (FTE)

1

-20.0% 22-25

Staff costs

€25k

+100.0% 22-25

Income taxes

€5k

-34.1% 22-25

Debt

€88k

+21.7% 22-25

Debt ≤ 1y

€52k

+6.2% 22-25

Debt > 1y

€36k

+54.0% 22-25

Current ratio

1.39

+6.1% 22-25

Quick ratio

0.79

+13.9% 22-25

Solvency

34.3%

+8.2% 22-25

Debt / equity

1.91

-11.0% 22-25

ROE

26.9%

-72.2% 22-25

ROA

9.2%

-69.9% 22-25

Interest coverage

15.57

-56.9% 22-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022
Deposit	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-
EBITDA	€32k	€45k	€25k	€11k
Net profit	€12k	€33k	€16k	€2k
Cash flow	€26k	€37k	€24k	€10k
Staff costs	€25k	€12k	€8k	€5k
Income taxes	€5k	€7k	-	-
Dividends	-	-	-	-
Total assets	€134k	€106k	€115k	€120k
Equity	€46k	€34k	€1k	€-15k
Debt	€88k	€73k	€113k	€135k
of which ≤ 1y	€52k	€49k	€113k	€133k
of which > 1y	€36k	€24k	€664	€2k
Working capital	€21k	€15k	€-6k	€-26k
Employees (FTE)	0.8	1.0	-	-

Ratios (computed)

	2025	2024	2023	2022
Current ratio	1.39	1.31	0.95	0.80
Quick ratio	0.79	0.69	0.59	0.47
Working capital ratio	15.3%	14.5%	-5.0%	-21.9%
Solvency	34.3%	31.7%	1.0%	-12.7%
Debt / equity	1.91	2.15	100.75	-8.88
Long-term debt ratio	0.79	0.70	0.59	-0.13
Interest coverage	15.57	36.11	22.16	8.67
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	9.2%	30.7%	14.3%	1.9%
ROE	26.9%	96.7%	1451.7%	-14.7%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €62k · 46.0% Current assets €73k · 54.0%

Equity & liabilities

Equity €46k · 34.3% Debt €88k · 65.7%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€134k	€106k	€115k	€120k
Fixed assets	21/28	€62k	€42k	€8k	€13k
Tangible fixed assets	22/27	€61k	€41k	€7k	€12k
Financial fixed assets	28	€961	€961	€961	€961
Current assets	29/58	€73k	€64k	€107k	€107k
Stocks & contracts in progress	3	€32k	€31k	€40k	€44k
Amounts receivable within one year	40/41	€17k	€19k	€37k	€61k
Cash & bank	54/58	€23k	€15k	€30k	€1k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€134k	€106k	€115k	€120k
Equity	10/15	€46k	€34k	€1k	€-15k
Contributions / capital	10/11	€8k	€8k	€8k	€6k
Reserves	13	€30k	-	-	€2k
Accumulated profits (losses)	14	€8k	€26k	€-7k	€-23k
Amounts payable	17/49	€88k	€73k	€113k	€135k
Amounts payable after one year	17	€36k	€24k	€664	€2k
Amounts payable within one year	42/48	€52k	€49k	€113k	€133k
Trade debts payable within one year	44	€12k	€5k	€14k	€37k
Income statement
Gross operating margin	9900	€57k	€58k	€33k	€16k
Operating result	9901	€19k	€41k	€17k	€3k
Financial income	75	€333	€2	€2	€33
Financial charges	65	€2k	€1k	€1k	€1k
Result before taxes	9903	€17k	€40k	€16k	€2k
Income taxes	67/77	€5k	€7k	-	-
Net result for the period	9904	€12k	€33k	€16k	€2k
Result to be appropriated	9905	€12k	€33k	€16k	€2k

Directors & mandates 3 directors

Directors derived from a single State Gazette act, under verification

All 3 current directors first appear in the same act (23454848). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

André SCHEVENEELS
Director
State Gazette act 23454848 (12-12-2023)

Current
12-12-2023 → present
2 events
- 12-12-2023 Resigned· Director
- 12-12-2023 Appointed· Director
Françoise MICHAUX
Director
State Gazette act 23454848 (12-12-2023)

Current
12-12-2023 → present
2 events
- 12-12-2023 Resigned· Director
- 12-12-2023 Appointed· Director
Jérôme SCHEVENEELS
Director
State Gazette act 23454848 (12-12-2023)

Current
12-12-2023 → present

Legal Structure

NACE primary	Installation of electric heating, air conditioning, cooling and ventilation(43222)
Legal form	Private limited company(610)
Incorporation	30-06-1995
Status	Active
Postal code	5300

Establishment units 1 location

Rue Fond de Bousalle 10, 5300 Andenne

NACE 4522002

since 19952.072.833.184

Real-estate footprint Source: CBE × cadastre

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92003B0236/00C000	Wallonia	1.1 ha	1 · 210 m²	-
92003B0226/00M000	Wallonia	3,390 m²	1 · 203 m²	-

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

All 12Financial 1Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

24-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 24 days late

2025

29-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2022net €33k ▲99.4%

Operating result €41k, net result €33k, both a record.

29-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

12-12

State Gazette act Statutes amendment

v3.2

28-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 28 days late

2022

29-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 90 days late

2021

08-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 69 days late

2020

16-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 77 days late

2019

27-09

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 58 days late

2018

30-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

08-08

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 8 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

12-12-2023 Articles of association amended Statutes amendment

Summary: v3.2

Original publication ↗

Technical details

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  "subject_company": {
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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Installation of electric heating, air conditioning, cooling and ventilation43222Plumbing work4322145332Other retail sale of new goods4778952498

Names & trade names

Legal nameFR

Etablissements Jérôme SCHEVENEELS

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