Het Schildertje
ActiveHet Schildertje has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €85k and a net result of €3k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 68% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▲+15
Solvency88▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity ample (current ratio 2.69 against 4.37 in 2023; short-term debt: 28.2% and cash: 0.8% of total assets), and 37.4% 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 · 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
62.6%
Return on assets
1.9%
Age of the figures
24 mo
raises risk · Annual accounts not filed
The financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 145 days later.
NBB · 10 filingsPosition against the passed deadline
30-09-2025 close30-04-2026 deadline22-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 14-04-2025, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
16 d early
2023
26 d early
2022
30 d early
2021
39 d early
2020
39 d early
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€85k▲ 3.1%
2023 · €83k
2018: €33k
2019: €46k
2020: €66k
2021: €78k
2022: €87k
2023: €83k
2018 → 2024
Total assets
€136k▲ 15.2%
2023 · €118k
2018: €91k
2019: €71k
2020: €110k
2021: €107k
2022: €171k
2023: €118k
2018 → 2024
Net result
€3k
2023 · €-5k
2018: €24k
2019: €23k
2020: €30k
2021: €22k
2022: €19k
2023: €-5k
2018 → 2024
Working capital
€65k▲ 13.6%
2023 · €57k
2018: €46k
2019: €42k
2020: €65k
2021: €75k
2022: €33k
2023: €57k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€66k-€78k▲ 17.9%€87k▲ 11.7%€83k▼ 5.4%€85k▲ 3.1%
Operating result€37k-€25k▼ 33.4%€22k▼ 10.0%€-6k€4k
Net result€30k-€22k▼ 27.4%€19k▼ 12.5%€-5k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €4k after a loss of €6k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €136k
Fixed assets
€33k▼ 25.5%
Current assets
€103k▲ 39.3%
Equity and liabilities €136k
Equity
€85k▲ 3.1%
Debt
€51k▲ 43.3%
The debt ratio rises from 30.1% to 37.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2023 · €5k
Cash flow
€14k▲
2023 · €6k
Solvency
62.6%▼
2023 · 69.9%
Current ratio
2.69▼
2023 · 4.37
Quick ratio
2.69▼
2023 · 4.37
Debt / equity
0.60▲
2023 · 0.43
ROE
3.0%▲
2023 · -5.7%
ROA
1.9%▲
2023 · -4.0%
Interest coverage
6.12▲
2023 · 5.10
Debt
€51k▲
2023 · €36k
Debt ≤ 1 year
€38k▲
2023 · €17k
Debt > 1 year
€13k▼
2023 · €19k
Income taxes
€3k▲
2023 · €463
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€118k€136k▲
Fixed assets21/28€44k€33k▼
Tangible fixed assets22/27€43k€32k▼
Plant, machinery and equipment23€1k€751▼
Furniture and vehicles24€42k€31k▼
Financial fixed assets28€1k€1k=
Current assets29/58€74k€103k▲
Amounts receivable within one year40/41€69k€99k▲
Trade receivables40€5k€16k▲
Other amounts receivable41€65k€83k▲
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€118k€136k▲
Equity10/15€83k€85k▲
Contributions10/11€19k€19k=
Reserves13€64k€67k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€62k€65k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€36k€51k▲
Amounts payable after more than one year17€19k€13k▼
Financial debts170/4€19k€13k▼
Amounts payable within one year42/48€17k€38k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Financial debts43-€9k
Credit institutions430/8-€9k
Trade debts44€10k€19k▲
Suppliers440/4€10k€19k▲
Taxes, remuneration and social security45€1k€4k▲
Taxes450/3€1k€4k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€7k€17k▲
Operating profit (loss)9901€-6k€4k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€998€2k▲
Recurring financial charges65€998€2k▲
Profit (loss) for the period before taxes9903€-4k€5k▲
Income taxes67/77€463€3k▲
Profit (loss) for the period9904€-5k€3k▲
Profit (loss) for the period to be appropriated9905€-5k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€3k▲
Transfer from equity791/2€5k€0▼
Transfer to equity691/2€0€3k▲
To other reserves6921€0€3k▲
Profit to be distributed694/7€0-
Directors or managers695€0-
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-5k ▼125%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity triplescurrent ratio 4.37
Current ratio from 1.39 to 4.37; short-term debt falls from €83k to €17k.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €30k ▲30.6%
Operating result €37k, net result €30k, both a record.
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
19-04
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Schoten · 1 establishment unit since 1998
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.
Antoon Van Dijckstraat 102900 SchotenGround area
395 m²
Building footprint
112 m²
Volume, LiDAR
977 m³
Parcel 11443C0547/00Y003, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Antoon Van Dijckstraat 10, 2900 Schoten
since 19982.087.683.092
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11443C0547/00Y003 | Flanders | 395 m² | 1 · 112 m² | 10.0 m · 3 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.
Similar companies · same sector, comparable size
ARTIFEX
BE 0599.879.375
Bonheiden · Eq €85k
ADRIAENS INTERIEUR
BE 0880.294.301
Haaltert · Eq €85k
DECORATIE WATTEYN
BE 0436.325.301
Menen · Eq €85k
VERSTRAETE-JONCKHEERE & ZOON
BE 0542.770.923
Middelkerke · Eq €85k
Duell Interior
BE 0794.908.565
Ninove · Eq €85k
Of 7,862 companies in sector 43341 we hold annual accounts for 2,664. 2,307 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-1998
Fiscal year end30-09
Activities, NACEBEL
43341Painting of buildings
45441
43333Wallpapering and laying of floor and wall coverings in other materials
45433
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.