JUWELIERS VANSCHOENWINKEL
ActiveJUWELIERS VANSCHOENWINKEL has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €652k and a net result of €120k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 6.69 against 8.37 in 2024; short-term debt: 13.9% and cash: 5% of total assets), and 14.2% 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
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
85.8%
Return on assets
15.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
19 d late
2023
27 d late
2022
83 d early
2021
62 d early
2020
30 d late
2019
20 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€652k▲ 19.0%
2024 · €548k
2018: €333k
2019: €343k
2020: €352k
2021: €388k
2022: €412k
2023: €482k
2024: €548k
2018 → 2025
Total assets
€759k▲ 22.2%
2024 · €621k
2018: €509k
2019: €525k
2020: €547k
2021: €441k
2022: €479k
2023: €556k
2024: €621k
2018 → 2025
Net result
€120k▲ 47.8%
2024 · €81k
2018: €8k
2019: €12k
2020: €10k
2021: €45k
2022: €25k
2023: €71k
2024: €81k
2018 → 2025
Working capital
€601k▲ 14.1%
2024 · €527k
2018: €321k
2019: €326k
2020: €339k
2021: €378k
2022: €386k
2023: €459k
2024: €527k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€388k-€412k▲ 6.2%€482k▲ 17.1%€548k▲ 13.5%€652k▲ 19.0%
Operating result€59k-€34k▼ 43.6%€105k▲ 214%€107k▲ 1.2%€164k▲ 53.8%
Net result€45k-€25k▼ 45.5%€71k▲ 188%€81k▲ 14.0%€120k▲ 47.8%
Turnover and EBIT margin not published: the 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 54% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €759k
Fixed assets
€53k▲ 130%
Current assets
€706k▲ 18.1%
Equity and liabilities €759k
Equity
€652k▲ 19.0%
Debt
€108k▲ 46.4%
The debt ratio rises from 11.8% to 14.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€175k▲
2024 · €115k
Cash flow
€130k▲
2024 · €89k
Solvency
85.8%▼
2024 · 88.2%
Current ratio
6.69▼
2024 · 8.37
Quick ratio
0.66▼
2024 · 0.70
Debt / equity
0.16▲
2024 · 0.13
ROE
18.4%▲
2024 · 14.8%
ROA
15.8%▲
2024 · 13.1%
Interest coverage
67.90▲
2024 · 43.15
Debt
€108k▲
2024 · €73k
Debt ≤ 1 year
€106k▲
2024 · €71k
Income taxes
€45k▲
2024 · €27k
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€621k€759k▲
Fixed assets21/28€23k€53k▲
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€20k€51k▲
Land and buildings22€4k€23k▲
Plant, machinery and equipment23€12k€11k▼
Furniture and vehicles24€3k€17k▲
Current assets29/58€598k€706k▲
Amounts receivable after more than one year29€20k€20k=
Other amounts receivable291€20k€20k=
Stocks and contracts in progress3€548k€637k▲
Stocks30/36€548k€637k▲
Amounts receivable within one year40/41€3k€640▼
Trade receivables40€3k€640▼
Other amounts receivable41€194€0▼
Cash at bank and in hand54/58€15k€38k▲
Deferred charges and accrued income490/1€12k€11k▼
Equity and liabilities
Total equity and liabilities10/49€621k€759k▲
Equity10/15€548k€652k▲
Contributions10/11€222k€222k=
Reserves13€326k€430k▲
Distributable reserves133€326k€430k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€73k€108k▲
Amounts payable within one year42/48€71k€106k▲
Trade debts44€13k€10k▼
Suppliers440/4€13k€10k▼
Advances received on contracts in progress46€0€4k▲
Taxes, remuneration and social security45€28k€55k▲
Taxes450/3€28k€55k▲
Other amounts payable47/48€30k€37k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Non-recurring operating income76A€400€826▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€20k€11k▼
Other operating charges640/8€790€1k▲
Gross operating margin9900€136k€187k▲
Operating profit (loss)9901€107k€164k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€108k€164k▲
Income taxes67/77€27k€45k▲
Profit (loss) for the period9904€81k€120k▲
Profit (loss) for the period to be appropriated9905€81k€120k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€120k▲
Transfer to equity691/2€65k€104k▲
To other reserves6921€65k€104k▲
Profit to be distributed694/7€16k€16k=
Return on contributions (dividend)694€833€833=
Directors or managers695€15k€15k=
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Highest result since 2018net €120k ▲47.8%
Operating result €164k, net result €120k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Equity above €500kEq €548k ▲13.5%
7 profitable years in a row build equity to €548k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 8.42
Current ratio from 2.76 to 8.42; short-term debt falls from €193k to €51k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
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, Diepenbeek · 1 establishment unit since 1993
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.
Varkensmarkt 53590 DiepenbeekGround area
88 m²
Building footprint
69 m²
Volume, LiDAR
742 m³
Parcel 71402D0005/00H000, Flanders · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JUWELIERS VANSCHOENWINKEL
since 19932.061.486.164
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71402D0005/00H000 | Flanders | 88 m² | 1 · 68 m² | 13.4 m · 4 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
GOUDSMID DE LEUS
BE 0537.301.806
Vilvoorde · Eq €653k
DK Exclusive Diamonds
BE 0562.899.512
Brugge · Eq €648k
BIJOUTERIE LANGOHR - MILEUR
BE 0439.093.264
Verviers · Eq €646k
N. BAURENS
BE 0436.949.168
Herve · Eq €658k
KIM MAESSEN
BE 0472.620.820
Genk · Eq €664k
Of 2,016 companies in sector 47770 we hold annual accounts for 898. 586 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-03-1993
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
52484
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.