Michaël SCHÖLER SRL
ActiveSummary
The computed 12-month bankruptcy probability of Michaël SCHÖLER SRL is 2.8% (moderate). The 2025 annual accounts show equity of €58k and a net result of €12k. Equity is growing by ~21.3% per year across the filed fiscal years. Its solvency ranks better than 41% of 27786 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
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+24
Solvency64▲+15
Growth39▼-17
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity ample (current ratio 1.57 against 1.34 in 2024; short-term debt: 40% and cash: 14.1% of total assets), but 60.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk
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 →
raises risk · Filed more than 90 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 08-05-2026, 189 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
189 d late
2024
3 d early
2023
136 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€538k▼ 20.0%
2024 · €673k
2023: €619k
2024: €673k
2023 → 2025
EBIT margin
3.4%▼ 3.8pp
2024 · 7.2%
2023: 3.3%
2024: 7.2%
2023 → 2025
Net result
€12k▲ 81.5%
2024 · €7k
2023: €14k
2024: €7k
2023 → 2025
Working capital
€33k▲ 9.7%
2024 · €30k
2023: €-25k
2024: €30k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€619k-€673k▲ 8.7%€538k▼ 20.0%
Equity€39k-€45k▲ 17.8%€58k▲ 27.4%
Operating result€20k-€48k▲ 139%€18k▼ 62.6%
Net result€14k-€7k▼ 49.3%€12k▲ 81.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 63% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€55k ▼ 23.6%
Current assets
€92k ▼ 23.6%
Equity and liabilities €147k
Equity
€58k ▲ 27.4%
Debt
€89k ▼ 39.4%
Debt's share of the balance-sheet total falls from 76.4% to 60.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €65k
Cash flow
€33k▲
2024 · €23k
Current ratio
1.57▲
2024 · 1.34
Debt to equity
1.54▼
2024 · 3.23
ROE
21.5%▲
2024 · 15.1%
ROA
8.5%▲
2024 · 3.6%
Interest coverage
76.05▲
2024 · 1.80
Debt ≤ 1 year
€59k▼
2024 · €90k
Debt > 1 year
€30k▼
2024 · €57k
Income taxes
€5k▼
2024 · €6k
Staff costs
€182k▼
2024 · €197k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€192k€147k▼
Fixed assets21/28€72k€55k▼
Tangible fixed assets22/27€72k€55k▼
Land and buildings22€0-
Plant, machinery and equipment23€19k€18k▼
Furniture and vehicles24€52k€37k▼
Current assets29/58€120k€92k▼
Amounts receivable within one year40/41€100k€32k▼
Trade receivables40€72k€4k▼
Other amounts receivable41€28k€28k▲
Cash at bank and in hand54/58€21k€21k▼
Deferred charges and accrued income490/1-€39k
Equity and liabilities
Total equity and liabilities10/49€192k€147k▼
Equity10/15€45k€58k▲
Contributions10/11€25k€25k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€2k€14k▲
Amounts payable17/49€147k€89k▼
Amounts payable after more than one year17€57k€30k▼
Financial debts170/4€57k€30k▼
Amounts payable within one year42/48€90k€59k▼
Current portion of amounts payable after more than one year42€25k€23k▼
Trade debts44€23k€0▼
Suppliers440/4€23k€0▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€25k€20k▼
Taxes450/3€10k€6k▼
Remuneration and social security454/9€16k€14k▼
Other amounts payable47/48€17k€16k▼
Income statement
Code20242025
Turnover70€673k€538k▼
Goods, raw materials, services and sundry goods60/61€415k€318k▼
Remuneration, social security and pensions62€197k€182k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€21k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€5k
Gross operating margin9900€263k€228k▼
Operating profit (loss)9901€48k€18k▼
Financial income75/76B€410€26▼
Recurring financial income75€410€26▼
Financial charges65/66B€36k€509▼
Recurring financial charges65€36k€509▼
Profit (loss) for the period before taxes9903€13k€18k▲
Income taxes67/77€6k€5k▼
Profit (loss) for the period9904€7k€12k▲
Profit (loss) for the period to be appropriated9905€7k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€14k▲
Profit (loss) brought forward from the previous period14P€-5k€2k▲
The notes to these accounts (6 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
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 189 days late
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €7k ▼49.3%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
15-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 136 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, Florenville · 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.
Rue d'Izel 226820 FlorenvilleGround area
2,342 m²
Building footprint
193 m²
Volume, LiDAR
1,227 m³
Parcel 85011B0185/02E000, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Michael SCHOLER SRL
since 20222.334.783.565
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85011B0185/02E000 | Wallonia | 2,342 m² | 1 · 193 m² | 8.1 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.
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OLIVIER DE PRYCKER
BE 0841.455.105
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RG Concept
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PROJETOIT
BE 0565.989.654
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Of 11,135 companies in sector 43910 we hold annual accounts for 5,488. 4,747 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-07-2022
Fiscal year end31-03
Activities, NACEBEL 2025
41001General construction of residential buildings
43910Bricklaying and masonry work
43211General electrical installation work
43310Plastering work
43320Joinery installation
43422Screed work
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.