Jeff Schilderwerken
ActiveThe computed 12-month bankruptcy probability of Jeff Schilderwerken is 2.2% (moderate). The 2025 annual accounts show equity of €47k and a net result of €7k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 92% of 27711 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency100▲+3
Growth52=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 7.19 against 2.78 in 2024; short-term debt: 11.7% and cash: 5.2% of total assets), and 11.8% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
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
88.2%
Return on assets
13.5%
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 30-06-2026, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
31 d early
2024
6 d early
2023
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▲ 15.7%
2024 · €40k
2023: €27k
2024: €40k
2023 → 2025
Total assets
€53k▼ 5.2%
2024 · €56k
2023: €52k
2024: €56k
2023 → 2025
Net result
€7k▼ 48.9%
2024 · €14k
2023: €24k
2024: €14k
2023 → 2025
Working capital
€38k▲ 40.0%
2024 · €27k
2023: €15k
2024: €27k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€27k-€40k▲ 48.4%€47k▲ 15.7%
Operating result€33k-€20k▼ 38.0%€9k▼ 53.0%
Net result€24k-€14k▼ 42.0%€7k▼ 48.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 53% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€8k▼ 36.2%
Current assets
€45k▲ 4.2%
Equity and liabilities €53k
Equity
€47k▲ 15.7%
Debt
€6k▼ 59.7%
The debt ratio falls from 27.7% to 11.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▼
2024 · €25k
Cash flow
€12k▼
2024 · €19k
Solvency
88.2%▲
2024 · 72.3%
Current ratio
7.19▲
2024 · 2.78
Quick ratio
4.54▲
2024 · 1.88
Debt / equity
0.13▼
2024 · 0.38
ROE
15.4%▼
2024 · 34.7%
ROA
13.5%▼
2024 · 25.1%
Interest coverage
38.58▲
2024 · 26.31
Debt
€6k▼
2024 · €15k
Debt ≤ 1 year
€6k▼
2024 · €15k
Income taxes
€2k▼
2024 · €5k
Staff costs
€15k▲
2024 · €9k
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€56k€53k▼
Fixed assets21/28€13k€8k▼
Tangible fixed assets22/27€13k€8k▼
Land and buildings22€1k€1k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€10k€6k▼
Current assets29/58€43k€45k▲
Stocks and contracts in progress3€14k€16k▲
Stocks30/36€14k€16k▲
Amounts receivable within one year40/41€23k€22k▼
Trade receivables40€20k€15k▼
Other amounts receivable41€3k€7k▲
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€56k€53k▼
Equity10/15€40k€47k▲
Contributions10/11€3k€3k=
Reserves13€37k€44k▲
Distributable reserves133€37k€44k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€15k€6k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€15k€6k▼
Current portion of amounts payable after more than one year42€6k€0▼
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€3k€0▼
Taxes450/3€3k€0▼
Remuneration and social security454/9€0-
Other amounts payable47/48€859€833▼
Accrued charges and deferred income492/3€30€18▼
Income statement
Code20242025
Remuneration, social security and pensions62€9k€15k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€896€1k▲
Gross operating margin9900€35k€30k▼
Operating profit (loss)9901€20k€9k▼
Financial income75/76B€98€5▼
Recurring financial income75€98€5▼
Financial charges65/66B€966€367▼
Recurring financial charges65€966€367▼
Profit (loss) for the period before taxes9903€19k€9k▼
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€14k€7k▼
Profit (loss) for the period to be appropriated9905€14k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€7k▼
Transfer to equity691/2€13k€6k▼
To other reserves6921€13k€6k▼
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (7 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €7k ▼48.9%
Net result drops to €7k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 7.19
Current ratio from 2.78 to 7.19; short-term debt falls from €15k to €6k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Tielt · 1 establishment unit since 2022
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.
Hogenhovestraat 848700 TieltGround area
1,200 m²
Building footprint
106 m²
Volume, LiDAR
692 m³
Parcel 37001C0791/00B000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jeff Schilderwerken
since 20222.335.361.706
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37001C0791/00B000 | Flanders | 1,200 m² | 1 · 106 m² | 8.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 8,192 EUR awarded · 8,192 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 8,078 EUR | 8,078 EUR |
| 2022 | 1 | 114 EUR | 114 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
ALL-IN PAINTING
BE 0670.576.440
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DECORATIE VANDENHEEDE
BE 0476.402.830
Kortrijk · Eq €47k
IDEAL PEINTURE
BE 0750.500.579
Charleroi · Eq €47k
INNOCENTI
BE 0438.900.650
Gent · Eq €46k
BART DENECKERE EN ZOON
BE 0441.422.353
Harelbeke · Eq €46k
Of 7,862 companies in sector 43341 we hold annual accounts for 2,664. 2,301 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2022
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
43342Specialised construction activities
43992Specialised construction activities
74104Other professional, scientific and technical activities
74130Interior design
81220Other building cleaning and industrial cleaning
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.jeffschilderwerken.be
E-mail:info@jeffschilderwerken.be