RBPA Schaar
ActiveRBPA Schaar has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €-8k. Equity is shrinking by ~19% per year across the filed fiscal years. Its solvency ranks better than 89% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 8.08 against 11.29 in 2024; short-term debt: 12.4% and cash: 0.1% of total assets), and 12.4% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.6%
Return on assets
-10.5%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-8k
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
57 d early
2023
40 d early
2022
39 d early
2021
60 d early
2020
86 d early
2019
39 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€64k▼ 10.7%
2024 · €71k
2018: €263k
2019: €256k
2020: €252k
2021: €247k
2022: €235k
2023: €79k
2024: €71k
2018 → 2025
Total assets
€72k▼ 7.2%
2024 · €78k
2018: €1.40M
2019: €1.12M
2020: €363k
2021: €247k
2022: €239k
2023: €233k
2024: €78k
2018 → 2025
Net result
€-8k▲ 5.9%
2024 · €-8k
2018: €280k
2019: €-7k
2020: €-3k
2021: €-5k
2022: €-12k
2023: €-6k
2024: €-8k
2018 → 2025
Working capital
€64k▼ 10.7%
2024 · €71k
2018: €543k
2019: €256k
2020: €252k
2022: €235k
2023: €79k
2024: €71k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€247k-€235k▼ 4.9%€79k▼ 66.3%€71k▼ 10.2%€64k▼ 10.7%
Operating result€-5k-€-5k▼ 6.5%€-5k▼ 8.4%€-8k▼ 38.2%€-7k▲ 6.9%
Net result€-5k-€-12k▼ 142%€-6k▲ 50.0%€-8k▼ 34.2%€-8k▲ 5.9%
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 stays negative: a loss of €7k in 2025 against €8k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €72k
Equity
€64k▼ 10.7%
Debt
€9k▲ 29.8%
The debt ratio rises from 8.9% to 12.4%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
87.6%▼
2024 · 91.1%
Current ratio
8.08▼
2024 · 11.29
Quick ratio
3.06▼
2024 · 4.78
Debt / equity
0.14▲
2024 · 0.10
ROE
-12.0%▼
2024 · -11.4%
ROA
-10.5%▼
2024 · -10.4%
Debt
€9k▲
2024 · €7k
Debt ≤ 1 year
€9k▲
2024 · €7k
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€78k€72k▼
Current assets29/58€78k€72k▼
Stocks and contracts in progress3€45k€45k=
Stocks30/36€45k€45k=
Amounts receivable within one year40/41€33k€27k▼
Trade receivables40€2k€2k=
Other amounts receivable41€31k€25k▼
Cash at bank and in hand54/58€33€39▲
Equity and liabilities
Total equity and liabilities10/49€78k€72k▼
Equity10/15€71k€64k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€3k€-5k▼
Amounts payable17/49€7k€9k▲
Amounts payable within one year42/48€7k€9k▲
Trade debts44€7k€9k▲
Suppliers440/4€7k€9k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Other operating charges640/8€995€2k▲
Gross operating margin9900€-7k€-5k▲
Operating profit (loss)9901€-8k€-7k▲
Financial charges65/66B€560€606▲
Recurring financial charges65€560€606▲
Profit (loss) for the period before taxes9903€-8k€-8k▲
Profit (loss) for the period9904€-8k€-8k▲
Profit (loss) for the period to be appropriated9905€-8k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-5k▼
Profit (loss) brought forward from the previous period14P€11k€3k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 7current ratio 11.29
Current ratio from 1.51 to 11.29; short-term debt falls from €154k to €7k.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity triplescurrent ratio 3.29
Current ratio from 1.30 to 3.29; short-term debt falls from €862k to €110k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
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
6 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, Lier · 1 establishment unit since 2008
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.
Hoogveldweg 1552500 LierGround area
2,509 m²
Building footprint
536 m²
Volume, LiDAR
3,857 m³
Parcel 12393D0059/00W000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RBPA Schaar
since 20082.230.475.210
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393D0059/00W000 | Flanders | 2,509 m² | 1 · 536 m² | 8.3 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
TERBIUM
BE 0401.177.449
Ath · Eq €64k
Immobilière du Val
BE 0747.956.508
Rixensart · Eq €63k
MERCATOR CONSTRUCT
BE 0794.112.076
Roeselare · Eq €64k
BDL-Projects
BE 0748.915.125
Geel · Eq €64k
TripleA - Construct
BE 0691.674.633
Bilzen-Hoeselt · Eq €63k
Of 9,697 companies in sector 68121 we hold annual accounts for 7,382. 5,157 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-09-2008
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.