Freddy SCHINS
ActiveFreddy SCHINS has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.34M and a net result of €172k. Equity is growing by ~26.9% per year across the filed fiscal years. Its solvency ranks better than 61% of 87 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-3
Solvency85▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.14 in 2024; short-term debt: 20.3% and cash: 16.4% of total assets), and 39.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 02
Relative position
BE, all sectors
reference
Sector 02
lower
← 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
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
60.2%
Return on assets
7.7%
Age of the figures
9 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
21 d early
2023
15 d early
2022
11 d early
2021
26 d early
2020
16 d early
2019
23 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€172k▼ 15.7%
2024 · €205k
2018: €-3k
2019: €-92k
2020: €94k
2021: €430k
2022: €203k
2023: €155k
2024: €205k
2018 → 2025
Working capital
€213k▲ 114%
2024 · €100k
2018: €-306k
2019: €-158k
2020: €-7k
2021: €152k
2022: €277k
2023: €-23k
2024: €100k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€598k-€800k▲ 33.7%€955k▲ 19.4%€1.17M▲ 22.6%€1.34M▲ 14.4%
Operating result€610k-€308k▼ 49.5%€234k▼ 23.9%€298k▲ 27.3%€255k▼ 14.5%
Net result€430k-€203k▼ 52.7%€155k▼ 23.5%€205k▲ 31.7%€172k▼ 15.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.23M
Fixed assets
€1.56M▲ 23.1%
Current assets
€664k▼ 18.0%
Equity and liabilities €2.23M
Equity
€1.34M▲ 14.4%
Provisions
€3k▼ 31.5%
Debt
€884k▼ 2.3%
The debt ratio falls from 43.5% to 39.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€610k▲
2024 · €565k
Cash flow
€527k▲
2024 · €471k
Solvency
60.2%▲
2024 · 56.3%
Current ratio
1.47▲
2024 · 1.14
Quick ratio
1.38▲
2024 · 1.10
Debt / equity
0.66▼
2024 · 0.77
ROE
12.9%▼
2024 · 17.5%
ROA
7.7%▼
2024 · 9.8%
Interest coverage
17.91▼
2024 · 21.42
Debt
€884k▼
2024 · €905k
Debt ≤ 1 year
€451k▼
2024 · €711k
Debt > 1 year
€431k▲
2024 · €195k
Income taxes
€54k▼
2024 · €80k
Staff costs
€236k▲
2024 · €217k
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€2.08M€2.23M▲
Fixed assets21/28€1.27M€1.56M▲
Tangible fixed assets22/27€1.12M€1.41M▲
Land and buildings22€265k€282k▲
Plant, machinery and equipment23€97k€106k▲
Furniture and vehicles24€758k€1.02M▲
Financial fixed assets28€150k€150k=
Current assets29/58€810k€664k▼
Stocks and contracts in progress3€28k€43k▲
Stocks30/36€28k€43k▲
Amounts receivable within one year40/41€292k€226k▼
Trade receivables40€282k€192k▼
Other amounts receivable41€10k€35k▲
Cash at bank and in hand54/58€469k€366k▼
Deferred charges and accrued income490/1€20k€28k▲
Equity and liabilities
Total equity and liabilities10/49€2.08M€2.23M▲
Equity10/15€1.17M€1.34M▲
Contributions10/11€151k€151k=
Reserves13€1.01M€1.18M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€11k€8k▼
Distributable reserves133€996k€1.17M▲
Investment grants15€11k€7k▼
Provisions and deferred taxes16€4k€3k▼
Deferred taxes168€4k€3k▼
Amounts payable17/49€905k€884k▼
Amounts payable after more than one year17€195k€431k▲
Financial debts170/4€195k€431k▲
Amounts payable within one year42/48€711k€451k▼
Current portion of amounts payable after more than one year42€42k€114k▲
Financial debts43€250k€150k▼
Credit institutions430/8€250k€150k▼
Trade debts44€284k€74k▼
Suppliers440/4€284k€74k▼
Taxes, remuneration and social security45€59k€37k▼
Taxes450/3€21k€17k▼
Remuneration and social security454/9€38k€20k▼
Other amounts payable47/48€76k€76k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Non-recurring operating income76A€13k€14k▲
Remuneration, social security and pensions62€217k€236k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€266k€355k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€22k▲
Other operating charges640/8€14k€9k▼
Non-recurring operating charges66A€3k-
Gross operating margin9900€802k€877k▲
Operating profit (loss)9901€298k€255k▼
Financial income75/76B€12k€4k▼
Recurring financial income75€12k€4k▼
Financial charges65/66B€26k€34k▲
Recurring financial charges65€26k€34k▲
Profit (loss) for the period before taxes9903€284k€225k▼
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€80k€54k▼
Profit (loss) for the period9904€205k€172k▼
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€208k€176k▼
Appropriation of the result
Profit (loss) to be appropriated9906€208k€176k▼
Transfer to equity691/2€208k€176k▼
To other reserves6921€208k€176k▼
Social balance
Average headcount (FTE)90873.13.6▲
The notes to these accounts (15 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €1MEq €1.17M ▲22.6%
5 profitable years in a row build equity to €1.17M.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €430k ▲357%
Operating result €610k, net result €430k, both a record.
31-12
Financial
Equity above €500kEq €598k ▲251%
2 profitable years in a row build equity to €598k.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €94k
Net result €94k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €170k ▲116%
Equity rises from €79k to €170k.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €-92k
Net result drops to €-92k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Baelen · 1 establishment unit since 1989
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.
Roereken(BLN) 344837 BaelenGround area
2,958 m²
Building footprint
57 m²
Parcel 63004B0058/00F002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Freddy Schins SPRL
since 19892.042.631.344
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63004B0058/00F002 | Wallonia | 2,958 m² | 1 · 57 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBaelen (Lg.)2.042.631.344
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Of 1,556 companies in sector 02200 we hold annual accounts for 449. 273 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-1989
Fiscal year end31-12
Activities, NACEBEL
02012
02200Logging
38219Waste collection, recovery and disposal activities
38330Waste collection, recovery and disposal activities
90021
01410Raising of dairy cattle
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.