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S.A.SCHMETZ

Active
Public limited companyfounded 1987active for 39 yearsRue de Verviers 65, 4841 Welkenraedt, BelgiumKBO/BCE: BE 0431.996.230
Summary

S.A.SCHMETZ has been active since 1987 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.9m and a net result of €346,987. Equity remains stable across the filed financial years (±0.9% per year). Its solvency ranks better than 95% of 5,025 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
S.A.SCHMETZActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Retail trade
NACE 47812Wholesale trade NACE 46610
3rd largest company by equity in Welkenraedt, Wholesale and retail trade sector1 site
Size
≈ €3.1mturnover 2025, estimated
Staff
1.9 FTE
Equity
€3.9m
Profit
€346,987
Turnover estimated from the gross margin
Financial health
97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
2025 accounts filed 31 days late1 of 6 deeds summarised
Why 97lowers riskSize: 1.9 FTE, total assets €4.2mFounded in 1987Equity €3.9m (93.3% of total assets)Figures for financial year 2025 (filed 01-09-2026)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 72% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 93.3% of total assets
Liquidity 61+3
short-term debt 6.2% · cash 8.4%
Profitability 79+7
return on assets 8.2%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,263 companies, NACE 47, micro)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.3%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.1%▼ -0.2 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: < 0.1%▼ -0.1 percentage points vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: 0.1%▲ +0.1 percentage points vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026 09-2026: < 0.1%▼ -0.2 percentage points vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit of up to €380,000 on 30-day terms is acceptable
Liquidity ample (current ratio 14.58, compared with 9.21 in 2024, above the usual 1.5; short-term debt: 6.2% and cash: 8.4% of total assets), and 6.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 92% on solvency, 67% on liquidity, 69% on profitability and 60% on growth.

The bankruptcy probability was computed on 29-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises risk
lowers risk · Size: 1.9 FTE, total assets €4.2m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 1987
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Equity €3.9m (93.3% of total assets)
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 01-09-2026)
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €3.9m
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
7 days early
2023
30 days late
2022
60 days late
2021
61 days late
2020
11 days early
2019
37 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 18 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Annual accounts filedfinancial year 2024 · full…
  3. Weakest financial yearnet €109,736 ▼42.2%

Key points

  • Positive: Result rose in 2025from €109,736 to €346,987 ▲ 216% View
  • Positive: Among the best 5% on solvencysector median 36.1% · 5,025 companies 93.3% View
  • Positive: 8 profitable years in a rowprofit 2025: €346,987 8 years View

By topic

Financials

Financial year
2025
Total assets
€4.2m
Profit
€346,987
Solvency
93.3%
Total assets▲ 6.0%
Net result
20182025
Go to Financials

Timeline

Events
42
Since
1988
Next accounts
by 31-07-2027
  1. 30-08-2024Annual accounts filed
  2. 15-01-2024Resignations: SCHMETZ Raymond Cornélius (director) and DENIS…
  3. 29-09-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Retail tradeNACE 47812
Founded
11-09-1987
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
43
Purpose
“Le travail mécanique,la fabrication et le commerce en gros et en détail et l'import-export…” (deed in French)
Go to Articles of association

Key facts about S.A.SCHMETZ

What is the company number of S.A.SCHMETZ?
0431.996.230. In Belgium the VAT number is the company number with BE in front: BE 0431.996.230.
Where is S.A.SCHMETZ based?
The registered office is at Rue de Verviers 65, 4841 Welkenraedt.Company details
What does S.A.SCHMETZ do?
According to the KBO register, the main activity is retail trade (NACE 47812).
What is the legal form of S.A.SCHMETZ?
Public limited company (NV).
When was S.A.SCHMETZ founded?
On 11-09-1987.
Is S.A.SCHMETZ still active?
Yes, S.A.SCHMETZ is an active enterprise in the KBO register.
How many employees does S.A.SCHMETZ have?
On average 1.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of S.A.SCHMETZ?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is S.A.SCHMETZ profitable?
In financial year 2025, S.A.SCHMETZ made a profit of €346,987.
Where can I find the annual accounts of S.A.SCHMETZ?
S.A.SCHMETZ filed 39 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of S.A.SCHMETZ due?
By 31-07-2027, for financial year 2026.Timeline

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