JARDIN SCHMIDT
ActiveJARDIN SCHMIDT has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €10k. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 4416 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
79
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+5
Solvency78▲+18
Growth58=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 1.14 in 2024), and 52.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
47.3%
Return on assets
8.8%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €56k
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
24 d early
2023
37 d early
2022
40 d early
2021
30 d early
2020
44 d early
2019
36 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 22.7%
2024 · €45k
2018: €64k
2019: €79k
2020: €86k
2021: €58k
2022: €45k
2023: €37k
2024: €45k
2018 → 2025
Total assets
€117k▼ 4.8%
2024 · €123k
2018: €115k
2019: €121k
2020: €129k
2021: €104k
2022: €84k
2023: €122k
2024: €123k
2018 → 2025
Net result
€10k▲ 29.7%
2024 · €8k
2018: €-5k
2019: €15k
2020: €8k
2021: €-28k
2022: €-13k
2023: €-7k
2024: €8k
2018 → 2025
Working capital
€21k▲ 89.9%
2024 · €11k
2018: €31k
2019: €63k
2020: €54k
2021: €7k
2022: €-3k
2023: €-5k
2024: €11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€45k▼ 22.8%€37k▼ 16.4%€45k▲ 21.2%€56k▲ 22.7%
Operating result€-28k-€-11k▲ 60.7%€-6k▲ 45.2%€9k€12k▲ 29.1%
Net result€-28k-€-13k▲ 53.3%€-7k▲ 44.4%€8k€10k▲ 29.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 29% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€36k▲ 4.4%
Current assets
€81k▼ 8.3%
Equity and liabilities €117k
Equity
€56k▲ 22.7%
Debt
€62k▼ 20.7%
The debt ratio falls from 63.3% to 52.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€17k▼
2024 · €20k
Cash flow
€15k▼
2024 · €19k
Solvency
47.3%▲
2024 · 36.7%
Current ratio
1.34▲
2024 · 1.14
Quick ratio
0.54▲
2024 · 0.30
Debt / equity
1.11▼
2024 · 1.72
ROE
18.5%▲
2024 · 17.5%
ROA
8.8%▲
2024 · 6.4%
Interest coverage
13.60▼
2024 · 22.24
Debt
€62k▼
2024 · €78k
Debt ≤ 1 year
€61k▼
2024 · €78k
Income taxes
€88▼
2024 · €146
Staff costs
€464
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€123k€117k▼
Fixed assets21/28€34k€36k▲
Tangible fixed assets22/27€34k€35k▲
Land and buildings22€24k€24k▼
Plant, machinery and equipment23€3k€8k▲
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€3k€1k▼
Financial fixed assets28€644€644=
Current assets29/58€89k€81k▼
Stocks and contracts in progress3€65k€49k▼
Stocks30/36€65k€49k▼
Amounts receivable within one year40/41€8k€7k▼
Trade receivables40€5k€4k▼
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€15k€25k▲
Deferred charges and accrued income490/1€498€562▲
Equity and liabilities
Total equity and liabilities10/49€123k€117k▼
Equity10/15€45k€56k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€31k€41k▲
Amounts payable17/49€78k€62k▼
Amounts payable within one year42/48€78k€61k▼
Current portion of amounts payable after more than one year42€3k-
Financial debts43€1k€1k=
Credit institutions430/8€1k€1k=
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€11k€7k▼
Taxes450/3€1k€2k▲
Remuneration and social security454/9€10k€6k▼
Other amounts payable47/48€61k€50k▼
Accrued charges and deferred income492/3€68€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€464
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€5k▼
Other operating charges640/8€923€620▼
Gross operating margin9900€21k€18k▼
Operating profit (loss)9901€9k€12k▲
Financial income75/76B€2€1▼
Recurring financial income75€2€1▼
Financial charges65/66B€918€1k▲
Recurring financial charges65€918€1k▲
Profit (loss) for the period before taxes9903€8k€10k▲
Income taxes67/77€146€88▼
Profit (loss) for the period9904€8k€10k▲
Profit (loss) for the period to be appropriated9905€8k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€41k▲
Profit (loss) brought forward from the previous period14P€23k€31k▲
The notes to these accounts (8 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after 3 loss-making years.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-28k ▼475%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.49
Current ratio from 1.75 to 3.49; short-term debt falls from €41k to €25k.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Braine-l'Alleud · 1 establishment unit since 1994
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.
Rue des Trois Apôtres 91420 Braine-l'AlleudGround area
64 m²
Building footprint
41 m²
Volume, LiDAR
373 m³
Parcel 25744E0989/00_000, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Trois Apôtres 9, 1420 Braine-l'Alleud
since 19942.068.361.583
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25744E0989/00_000 ProtectedMonument |
Wallonia | 64 m² | 1 · 41 m² | 11.1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 599 companies in sector 47610 we hold annual accounts for 240. 200 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-1994
Fiscal year end31-12
Activities, NACEBEL
47610Retail trade
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.