Immo Schildermans
ActiveImmo Schildermans has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €591k and a net result of €54k. Equity is shrinking by ~11% per year across the filed fiscal years. Its solvency ranks better than 53% of 13935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+1
Solvency58▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 0.67 in 2024; short-term debt: 7.4% and cash: 6.1% of total assets), and 66.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
33.4%
Return on assets
3.1%
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 17-06-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
37 d early
2023
51 d early
2022
40 d early
2021
34 d early
2020
39 d early
2019
30 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
€591k▲ 10.1%
2024 · €537k
2018: €1.69M
2019: €1.86M
2020: €626k
2021: €683k
2022: €713k
2023: €572k
2024: €537k
2018 → 2025
Total assets
€1.77M▲ 5.2%
2024 · €1.68M
2018: €2.70M
2019: €2.72M
2020: €1.40M
2021: €1.37M
2022: €1.94M
2023: €1.72M
2024: €1.68M
2018 → 2025
Net result
€54k▲ 79.7%
2024 · €30k
2018: €378k
2019: €169k
2020: €-36k
2021: €42k
2022: €30k
2023: €35k
2024: €30k
2018 → 2025
Working capital
€15k
2024 · €-56k
2018: €855k
2019: €854k
2020: €39k
2021: €117k
2022: €16k
2023: €-245k
2024: €-56k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€683k-€713k▲ 4.4%€572k▼ 19.8%€537k▼ 6.1%€591k▲ 10.1%
Operating result€54k-€50k▼ 7.7%€68k▲ 35.2%€76k▲ 13.0%€101k▲ 32.1%
Net result€42k-€30k▼ 28.6%€35k▲ 15.7%€30k▼ 13.2%€54k▲ 79.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.77M
Fixed assets
€1.62M▲ 3.4%
Current assets
€146k▲ 30.4%
Equity and liabilities €1.77M
Equity
€591k▲ 10.1%
Provisions
€28k▼ 15.7%
Debt
€1.15M▲ 3.4%
The debt ratio falls from 66.1% to 65.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€226k▲
2024 · €202k
Cash flow
€179k▲
2024 · €156k
Solvency
33.4%▲
2024 · 31.9%
Current ratio
1.11▲
2024 · 0.67
Quick ratio
1.11▲
2024 · 0.67
Debt / equity
1.94▼
2024 · 2.07
ROE
9.2%▲
2024 · 5.6%
ROA
3.1%▲
2024 · 1.8%
Interest coverage
5.10▼
2024 · 5.12
Debt
€1.15M▲
2024 · €1.11M
Debt ≤ 1 year
€131k▼
2024 · €168k
Debt > 1 year
€1.02M▲
2024 · €942k
Income taxes
€8k▼
2024 · €12k
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€1.68M€1.77M▲
Fixed assets21/28€1.57M€1.62M▲
Tangible fixed assets22/27€1.57M€1.62M▲
Land and buildings22€1.57M€1.62M▲
Furniture and vehicles24-€986
Leasing and similar rights25€2k-
Financial fixed assets28€2k€2k=
Current assets29/58€112k€146k▲
Amounts receivable within one year40/41€32k€38k▲
Trade receivables40€29k€20k▼
Other amounts receivable41€3k€18k▲
Cash at bank and in hand54/58€80k€109k▲
Equity and liabilities
Total equity and liabilities10/49€1.68M€1.77M▲
Equity10/15€537k€591k▲
Contributions10/11€81k€81k=
Revaluation surpluses12€31k€31k=
Reserves13€425k€479k▲
Tax-exempt reserves132€21k€18k▼
Distributable reserves133€404k€461k▲
Provisions and deferred taxes16€33k€28k▼
Deferred taxes168€33k€28k▼
Amounts payable17/49€1.11M€1.15M▲
Amounts payable after more than one year17€942k€1.02M▲
Financial debts170/4€472k€514k▲
Other amounts payable178/9€470k€503k▲
Amounts payable within one year42/48€168k€131k▼
Current portion of amounts payable after more than one year42€63k€56k▼
Trade debts44€439€18k▲
Suppliers440/4€439€18k▲
Taxes, remuneration and social security45€5k€14k▲
Taxes450/3€5k€14k▲
Other amounts payable47/48€99k€43k▼
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€126k€125k▼
Other operating charges640/8€18k€18k▲
Gross operating margin9900€220k€244k▲
Operating profit (loss)9901€76k€101k▲
Financial charges65/66B€39k€44k▲
Recurring financial charges65€39k€44k▲
Profit (loss) for the period before taxes9903€37k€57k▲
Transfer from deferred taxes780€5k€5k=
Income taxes67/77€12k€8k▼
Profit (loss) for the period9904€30k€54k▲
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€33k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€58k▲
Transfer from equity791/2€65k-
Transfer to equity691/2€33k€58k▲
To other reserves6921€33k€58k▲
Profit to be distributed694/7€65k-
Return on contributions (dividend)694€65k-
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
Next filing, fiscal year 2026, expected by
2026
25-08
State Gazette act
Incorporation · Founding capital
Corporate purpose · Share issue
17-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.62
Current ratio from 1.29 to 2.62; short-term debt falls from €136k to €72k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-36k ▼121%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hechtel-Eksel · 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.
Kiefhoekstraat 143940 Hechtel-EkselGround area
7,730 m²
Building footprint
2,753 m²
Volume, LiDAR
20,367 m³
Parcel 72006E0022/00M002, Flanders · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Immo Schildermans BV
since 19892.046.262.708
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72006E0022/00M002 | Flanders | 7,730 m² | 1 · 2,753 m² | 9.1 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.
Recognitions · licences · registrations
Dual-learning approval
1 endedSimilar companies · same sector, comparable size
ETS. GIAN
BE 0434.197.338
Hasselt · Eq €591k
Surmont Invest
BE 0447.000.843
Wevelgem · Eq €591k
PURUS SK
BE 0878.853.553
Gent · Eq €592k
PRINVEST
BE 0422.801.521
Tongeren-Borgloon · Eq €592k
MASSANA
BE 0415.407.547
Machelen (Brab.) · Eq €590k
Of 9,133 companies in sector 68201 we hold annual accounts for 6,762. 5,002 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-11-1989
Fiscal year end31-12
Activities, NACEBEL
22210Manufacture of rubber and plastic products
68201Renting and operating of own or leased residential real estate, excluding social housing
68121Development of residential building projects
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 36 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.
Contact details
3 entriesE-mail:eddy@esplastics.be
Phone:011 54 67 40
Fax:011 55 34 14