SA ROBERT SCHMIT
ActiveSummary
SA ROBERT SCHMIT has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €939k and a net result of €261k. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 78% of 4556 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability96▲+23
Solvency100▲+26
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 2.86 against 1.2 in 2024; short-term debt: 22.8% and cash: 61.9% of total assets), and 22.8% of the assets are financed with debt.
Credit check 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 · 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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
77.2%
Return on assets
21.5%
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 17-09-2026, 48 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
48 d late
2024
56 d late
2023
26 d late
2022
78 d late
2021
24 d early
2020
1 d early
2019
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€261k▲ 434%
2024 · €49k
2018: €318k
2019: €267k▼ -16.1% vs 2018
2020: €304k▲ +13.8% vs 2019
2021: €546k▲ +79.9% vs 2020highest in 8 years
2022: €241k▼ -55.8% vs 2021
2023: €8k▼ -96.7% vs 2022lowest in 8 years
2024: €49k▲ +519% vs 2023
2025: €261k▲ +434% vs 2024
2018 → 2025
Working capital
€516k▲ 269%
2024 · €140k
2018: €550k
2019: €994k▲ +80.8% vs 2018highest in 8 years
2020: €738k▼ -25.8% vs 2019
2021: €787k▲ +6.7% vs 2020
2022: €789k▲ +0.4% vs 2021
2023: €295k▼ -62.6% vs 2022
2024: €140k▼ -52.7% vs 2023lowest in 8 years
2025: €516k▲ +269% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.22M-€1.21M▼ 0.8%€895k▼ 25.7%€677k▼ 24.3%€939k▲ 38.6%
2021: €1.22Mhighest in 5 years
2022: €1.21M▼ -0.8% vs 2021
2023: €895k▼ -25.7% vs 2022
2024: €677k▼ -24.3% vs 2023lowest in 5 years
2025: €939k▲ +38.6% vs 2024
Operating result€326k-€356k▲ 9.4%€54k▼ 85.0%€86k▲ 60.6%€147k▲ 71.1%
2021: €326k
2022: €356k▲ +9.4% vs 2021highest in 5 years
2023: €54k▼ -85.0% vs 2022lowest in 5 years
2024: €86k▲ +60.6% vs 2023
2025: €147k▲ +71.1% vs 2024
Net result€546k-€241k▼ 55.8%€8k▼ 96.7%€49k▲ 519%€261k▲ 434%
2021: €546khighest in 5 years
2022: €241k▼ -55.8% vs 2021
2023: €8k▼ -96.7% vs 2022lowest in 5 years
2024: €49k▲ +519% vs 2023
2025: €261k▲ +434% vs 2024
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 71% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€423k ▼ 21.4%
Current assets
€793k ▼ 6.3%
Equity and liabilities €1.22M
Equity
€939k ▲ 38.6%
Debt
€277k ▼ 60.8%
Debt's share of the balance-sheet total falls from 51.0% to 22.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€183k▲
2024 · €148k
Cash flow
€297k▲
2024 · €111k
Current ratio
2.86▲
2024 · 1.20
Debt to equity
0.30▼
2024 · 1.04
ROE
27.8%▲
2024 · 7.2%
ROA
21.5%▲
2024 · 3.5%
Interest coverage
34.70▲
2024 · 6.11
Debt ≤ 1 year
€277k▼
2024 · €706k
Income taxes
€124k▲
2024 · €24k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.38M€1.22M▼
Fixed assets21/28€538k€423k▼
Tangible fixed assets22/27€538k€423k▼
Land and buildings22€331k€242k▼
Furniture and vehicles24-€668
Other tangible fixed assets26€207k€180k▼
Current assets29/58€846k€793k▼
Amounts receivable within one year40/41€46k€41k▼
Trade receivables40€40k€40k▼
Other amounts receivable41€6k€839▼
Cash at bank and in hand54/58€800k€752k▼
Equity and liabilities
Total equity and liabilities10/49€1.38M€1.22M▼
Equity10/15€677k€939k▲
Contributions10/11€290k€290k=
Capital10€290k€290k=
Issued capital100€290k€290k=
Reserves13€387k€649k▲
Non-distributable reserves130/1€89k€89k=
Legal reserve130€89k€89k=
Reserves not available under the articles1311€141€141=
Distributable reserves133€298k€560k▲
Profit (loss) carried forward14€55€55=
Amounts payable17/49€706k€277k▼
Amounts payable within one year42/48€706k€277k▼
Trade debts44€24k€333▼
Suppliers440/4€24k€333▼
Taxes, remuneration and social security45€110k€20k▼
Taxes450/3€33k€20k▼
Remuneration and social security454/9€78k-
Other amounts payable47/48€572k€257k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62k€36k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-1k€-7k▼
Other operating charges640/8€24k€26k▲
Gross operating margin9900€172k€202k▲
Operating profit (loss)9901€86k€147k▲
Financial income75/76B€11k€244k▲
Recurring financial income75€11k€2k▼
Non-recurring financial income76B-€242k
Financial charges65/66B€24k€5k▼
Recurring financial charges65€24k€5k▼
Profit (loss) for the period before taxes9903€73k€386k▲
Income taxes67/77€24k€124k▲
Profit (loss) for the period9904€49k€261k▲
Profit (loss) for the period to be appropriated9905€49k€261k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€261k▲
Profit (loss) brought forward from the previous period14P€55€55=
Transfer from equity791/2€267k-
Transfer to equity691/2€49k€261k▲
To other reserves6921€49k€261k▲
Profit to be distributed694/7€267k-
Return on contributions (dividend)694€267k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €271k | €256k | €103k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €68k | €49k | €50k | €62k | €36k | ▼ 42.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €53k | €93k | €-72k | €-1k | €-7k | ▼ 559% |
| Other operating charges640/8 | €45k | €27k | €33k | €24k | €26k | ▲ 7.2% |
| Non-recurring operating charges66A | €0 | - | - | - | - | - |
| Gross operating margin9900 | €763k | €782k | €167k | €172k | €202k | ▲ 17.9% |
| Operating profit (loss)9901 | €326k | €356k | €54k | €86k | €147k | ▲ 71.1% |
| Financial income75/76B | €410k | €2k | €33k | €11k | €244k | ▲ 2,084% |
| Recurring financial income75 | €111 | €2k | €2k | €11k | €2k | ▼ 84.2% |
| Non-recurring financial income76B | €410k | - | €32k | - | €242k | - |
| Financial charges65/66B | €6k | €7k | €76k | €24k | €5k | ▼ 78.3% |
| Recurring financial charges65 | €6k | €4k | €76k | €24k | €5k | ▼ 78.3% |
| Non-recurring financial charges66B | - | €3k | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €730k | €352k | €11k | €73k | €386k | ▲ 429% |
| Income taxes67/77 | €184k | €110k | €3k | €24k | €124k | ▲ 418% |
| Profit (loss) for the period9904 | €546k | €241k | €8k | €49k | €261k | ▲ 434% |
| Profit (loss) for the period to be appropriated9905 | €546k | €241k | €8k | €49k | €261k | ▲ 434% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.24M | €1.68M | €1.73M | €1.38M | €1.22M | ▼ 12.1% |
| Fixed assets21/28 | €477k | €423k | €600k | €538k | €423k | ▼ 21.4% |
| Tangible fixed assets22/27 | €477k | €423k | €600k | €538k | €423k | ▼ 21.4% |
| Land and buildings22 | €439k | €402k | €367k | €331k | €242k | ▼ 27.0% |
| Plant, machinery and equipment23 | €1k | - | - | - | - | - |
| Furniture and vehicles24 | €9k | €949 | €277 | - | €668 | - |
| Other tangible fixed assets26 | €28k | €19k | €233k | €207k | €180k | ▼ 12.6% |
| Financial fixed assets28 | €223 | €223 | - | - | - | - |
| Current assets29/58 | €1.76M | €1.26M | €1.13M | €846k | €793k | ▼ 6.3% |
| Stocks and contracts in progress3 | €397k | €38k | - | - | - | - |
| Stocks30/36 | €397k | €38k | - | - | - | - |
| Amounts receivable within one year40/41 | €758k | €204k | €181k | €46k | €41k | ▼ 11.9% |
| Trade receivables40 | €259k | €131k | €122k | €40k | €40k | ▼ 1.7% |
| Other amounts receivable41 | €499k | €73k | €58k | €6k | €839 | ▼ 85.2% |
| Cash at bank and in hand54/58 | €592k | €1.01M | €947k | €800k | €752k | ▼ 6.0% |
| Deferred charges and accrued income490/1 | €12k | €1k | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.24M | €1.68M | €1.73M | €1.38M | €1.22M | ▼ 12.1% |
| Equity10/15 | €1.22M | €1.21M | €895k | €677k | €939k | ▲ 38.6% |
| Contributions10/11 | €290k | €290k | €290k | €290k | €290k | = |
| Capital10 | €290k | €290k | €290k | €290k | €290k | = |
| Issued capital100 | €290k | €290k | €290k | €290k | €290k | = |
| Reserves13 | €926k | €915k | €605k | €387k | €649k | ▲ 67.5% |
| Non-distributable reserves130/1 | €89k | €89k | €89k | €89k | €89k | = |
| Legal reserve130 | €89k | €89k | €89k | €89k | €89k | = |
| Reserves not available under the articles1311 | - | €141 | €141 | €141 | €141 | = |
| Other1319 | €141 | - | - | - | - | - |
| Distributable reserves133 | €836k | €826k | €516k | €298k | €560k | ▲ 87.6% |
| Profit (loss) carried forward14 | €55 | €55 | €55 | €55 | €55 | = |
| Amounts payable17/49 | €1.02M | €475k | €832k | €706k | €277k | ▼ 60.8% |
| Amounts payable after more than one year17 | €48k | €7k | - | - | - | - |
| Financial debts170/4 | €48k | €7k | - | - | - | - |
| Amounts payable within one year42/48 | €972k | €468k | €832k | €706k | €277k | ▼ 60.8% |
| Current portion of amounts payable after more than one year42 | €40k | €41k | €7k | - | - | - |
| Trade debts44 | €308k | €41k | €82k | €24k | €333 | ▼ 98.6% |
| Suppliers440/4 | €308k | €41k | €82k | €24k | €333 | ▼ 98.6% |
| Advances received on contracts in progress46 | €12k | €38k | - | - | - | - |
| Taxes, remuneration and social security45 | €193k | €66k | €148k | €110k | €20k | ▼ 81.8% |
| Taxes450/3 | €166k | €32k | €49k | €33k | €20k | ▼ 38.8% |
| Remuneration and social security454/9 | €27k | €34k | €99k | €78k | - | - |
| Other amounts payable47/48 | €420k | €281k | €595k | €572k | €257k | ▼ 55.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €546k | €241k | €8k | €49k | €261k | ▲ 434% |
| + Depreciation and write-downs630 | €68k | €49k | €50k | €62k | €36k | ▼ 42.8% |
| Operating cash flow (approximation) | €615k | €291k | €58k | €111k | €297k | ▲ 167% |
| Investment in fixed assets (approximation) | - | €5k | €-227k | €0 | €79k | - |
| Change in cash | - | €422k | €-67k | €-147k | €-48k | ▲ 67.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 48 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 2.86
Current ratio from 1.20 to 2.86; short-term debt falls from €706k to €277k.
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 56 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €8k ▼96.7%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
17-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 78 days late
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €546k ▲79.9%
Net result €546k, the highest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity triplescurrent ratio 6.27
Current ratio from 2.20 to 6.27; short-term debt falls from €456k to €189k.
04-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 65 days late
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 91 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Arlon · 1 establishment unit since 1992
Ground area
8,153 m²
Building footprint
2,318 m²
Volume, LiDAR
1,146 m³
2 parcels, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bonnert, route de Bastogne 384, 6700 Arlon
since 19922.058.873.005
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81006B1222/00Y000 | Wallonia | 6,328 m² | 1 · 2,157 m² | - |
| 81006B1235/00A003 | Wallonia | 1,825 m² | 1 · 160 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,041 companies in sector 68203 we hold annual accounts for 5,989. 4,167 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded10-06-1992
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
Contact
E-mail
nadine@garage-schmit.be
Phone
063245791
Fax
063233844
Scores and ratios are computed by Checked and are not a credit decision.