PH. SCHEIR
ActivePH. SCHEIR has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.14M and a net result of €108k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 68% of 2272 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 and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▼-33
Solvency88▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity short (current ratio 0.49 against 0.35 in 2024; short-term debt: 34.6% and cash: 11.6% of total assets), and 37.5% 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 82
Relative position
BE, all sectors
reference
Sector 82
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
62.5%
Return on assets
5.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-03-2026, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
41 d early
2024
30 d early
2023
on the day
2022
2 d early
2021
1 d early
2020
31 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.14M▼ 8.0%
2024 · €1.24M
2018: €702k
2019: €910k
2020: €1.03M
2021: €1.29M
2022: €1.25M
2023: €1.25M
2024: €1.24M
2018 → 2025
Total assets
€1.83M▲ 2.8%
2024 · €1.78M
2018: €1.46M
2019: €1.42M
2020: €1.44M
2021: €1.58M
2022: €1.80M
2023: €1.81M
2024: €1.78M
2018 → 2025
Net result
€108k▼ 31.7%
2024 · €159k
2018: €165k
2019: €208k
2020: €124k
2021: €256k
2022: €249k
2023: €121k
2024: €159k
2018 → 2025
Working capital
€-325k▼ 4.5%
2024 · €-311k
2018: €-47k
2019: €17k
2020: €54k
2021: €167k
2022: €-119k
2023: €-266k
2024: €-311k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.29M-€1.25M▼ 2.7%€1.25M▼ 0.5%€1.24M▼ 0.5%€1.14M▼ 8.0%
Operating result€240k-€339k▲ 41.2%€179k▼ 47.4%€260k▲ 45.5%€66k▼ 74.5%
Net result€256k-€249k▼ 2.7%€121k▼ 51.2%€159k▲ 30.7%€108k▼ 31.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 74% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.83M
Fixed assets
€1.52M▼ 5.8%
Current assets
€307k▲ 87.1%
Equity and liabilities €1.83M
Equity
€1.14M▼ 8.0%
Debt
€685k▲ 27.7%
The debt ratio rises from 30.2% to 37.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€103k▼
2024 · €311k
Cash flow
€146k▼
2024 · €210k
Solvency
62.5%▼
2024 · 69.8%
Current ratio
0.49▲
2024 · 0.35
Quick ratio
0.49▲
2024 · 0.35
Debt / equity
0.60▲
2024 · 0.43
ROE
9.5%▼
2024 · 12.8%
ROA
5.9%▼
2024 · 8.9%
Interest coverage
2.49▼
2024 · 9.85
Debt
€685k▲
2024 · €536k
Debt ≤ 1 year
€632k▲
2024 · €475k
Debt > 1 year
€53k▼
2024 · €61k
Income taxes
€17k▼
2024 · €70k
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€1.78M€1.83M▲
Fixed assets21/28€1.61M€1.52M▼
Tangible fixed assets22/27€1.22M€1.13M▼
Land and buildings22€858k€749k▼
Plant, machinery and equipment23€73€0▼
Furniture and vehicles24€356k€372k▲
Other tangible fixed assets26€10k€9k▼
Financial fixed assets28€390k€390k=
Current assets29/58€164k€307k▲
Amounts receivable within one year40/41€5k€72k▲
Trade receivables40€0€19k▲
Other amounts receivable41€5k€53k▲
Current investments50/53€23k€23k=
Cash at bank and in hand54/58€134k€211k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.78M€1.83M▲
Equity10/15€1.24M€1.14M▼
Contributions10/11€19k€19k=
Reserves13€1.22M€1.12M▼
Distributable reserves133€1.22M€1.12M▼
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€536k€685k▲
Amounts payable after more than one year17€61k€53k▼
Financial debts170/4€61k€53k▼
Amounts payable within one year42/48€475k€632k▲
Current portion of amounts payable after more than one year42€72k€10k▼
Trade debts44€638€786▲
Suppliers440/4€638€786▲
Taxes, remuneration and social security45€12k€15k▲
Taxes450/3€12k€15k▲
Other amounts payable47/48€390k€607k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€37k▼
Other operating charges640/8€6k€8k▲
Non-recurring operating charges66A-€75k
Gross operating margin9900€317k€186k▼
Operating profit (loss)9901€260k€66k▼
Financial income75/76B€494€101k▲
Recurring financial income75€494€101k▲
Financial charges65/66B€32k€42k▲
Recurring financial charges65€32k€42k▲
Profit (loss) for the period before taxes9903€229k€125k▼
Income taxes67/77€70k€17k▼
Profit (loss) for the period9904€159k€108k▼
Profit (loss) for the period to be appropriated9905€159k€108k▼
Appropriation of the result
Profit (loss) to be appropriated9906€160k€110k▼
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer from equity791/2€165k€208k▲
Transfer to equity691/2€159k€108k▼
To other reserves6921€159k€108k▼
Profit to be distributed694/7€165k€208k▲
Return on contributions (dividend)694€165k€208k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (23 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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €108k ▼31.7%
Net result drops to €108k, the lowest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2018net €256k ▲106%
Net result €256k, the highest in the series.
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €1MEq €1.03M ▲13.6%
3 profitable years in a row build equity to €1.03M.
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Aalter · 1 establishment unit since 2009
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.
Sparhoekdreef 519880 AalterGround area
963 m²
Building footprint
121 m²
Volume, LiDAR
666 m³
Parcel 44503F0945/00H000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sparhoekdreef 51, 9880 Aalter
since 20092.182.663.217
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44503F0945/00H000 | Flanders | 963 m² | 1 · 121 m² | 7.7 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.
Similar companies · same sector, comparable size
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BETRACON
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TDM3
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PEVABO CONSTRUCT
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 4,292 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-02-1993
Fiscal year end30-09
Activities, NACEBEL
82990Other business support services
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.