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SCH GROUP

Active
Meiersplein 2 ·1150 Sint-Pieters-Woluwe, Belgium
KBO/BCE: BE 0795.964.677
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Belgian State Gazette acts: 0 of 3 read
Age3 yrs
Board1
Real estate1 parcel · 2,839 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SCH GROUP is 11.9% (high). The 2024 annual accounts show negative equity (€-21k) and a net result of €46. Its solvency ranks better than 12% of 5650 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
11.9% High
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 5650 sector peers (2024).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 30 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-09-2025, 39 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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 08-09-2025 39 d late 2025-00490387
31-12-2023 31-07-2024 04-07-2024 27 d early 2024-00226674

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

Turnover€43k
EBIT margin-57.8%
Net result€46
Working capital€-24k+4.3%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 08-09-2025 with the NBB · fiscal year 2024 · micro
€-40k€-20k€0€20k€40kRevenue 2023: €43k€43kOperating result 2023: €-25k€-25kNet result 2023: €-26k€-26kOperating result 2024: €3k€3kNet result 2024: €46€4620232024
RevenueOperating resultNet result
Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -73.1% 19.3%
better than 12% of 5650 sector peers
Net result €46 €4k
better than 38% of 5638 sector peers
Equity €-21k €14k
better than 16% of 5662 sector peers
Gross operating margin €18k €52k
better than 30% of 5624 sector peers
Staff costs €6k €49k
higher than 15% of 4088 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€43k
- 23-24
EBITDA
€11k
- 23-24
Net profit
€46
- 23-24
Cash flow
€8k
- 23-24
Total assets
€29k
-17.8% 23-24
Equity
€-21k
+0.2% 23-24
Working capital
€-24k
+4.3% 23-24
Staff costs
€6k
+123.1% 23-24
Show 12 other metrics
Debt
€51k
-11.2% 23-24
Debt ≤ 1y
€38k
-2.5% 23-24
Debt > 1y
€13k
-29.6% 23-24
Current ratio
0.37
+3.4% 23-24
Quick ratio
0.14
-9.5% 23-24
Solvency
-73.1%
-21.4% 23-24
Debt / equity
-2.37
+11.0% 23-24
ROE
-0.2%
- 23-24
ROA
0.2%
- 23-24
Net margin
-61.4%
- 23-24
EBITDA margin
-49.8%
- 23-24
Interest coverage
5.16
- 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€11k
Net profit€46
Cash flow€8k
Staff costs€6k
Income taxes-
Dividends-
Total assets€29k
Equity€-21k
Debt€51k
of which ≤ 1y€38k
of which > 1y€13k
Working capital€-24k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.37
Quick ratio0.14
Working capital ratio-81.5%
Solvency-73.1%
Debt / equity-2.37
Long-term debt ratio-0.60
Interest coverage5.16
Gross margin-
Net margin-
ROA0.2%
ROE-0.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€29k
Fixed assets 21/28€15k
Tangible fixed assets 22/27€15k
Current assets 29/58€14k
Stocks & contracts in progress 3€9k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€29k
Equity 10/15€-21k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€-26k
Amounts payable 17/49€51k
Amounts payable after one year 17€13k
Amounts payable within one year 42/48€38k
Trade debts payable within one year 44€1k
Income statement
Gross operating margin 9900€18k
Operating result 9901€3k
Financial income 75€2
Financial charges 65€2k
Result before taxes 9903€46
Net result for the period 9904€46
Result to be appropriated 9905€46
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
16 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

2 directors
3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
  • Tousis Themistokle
    Director
    State Gazette act 23068084 (24-05-2023)
    Current
    08-05-2023 → present
    2 events
    • 08-05-2023 Appointed· Director
    • 08-05-2023 Appointed· Managing director
Former directors (1)
  • Schmit Geoffrey
    Managing director
    State Gazette act 23068084 (24-05-2023)
    Former
    - → 24-05-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden(56112)
Legal form Private limited company(610)
Incorporation10-01-2023
StatusActive
Postal code1150

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
24 companies at this address See who is registered here

Establishment units

1 location
SCH GROUP
Meiersplein 2, 1150 Sint-Pieters-WoluweEetgelegenheden met beperkte bediening
since 20232.345.782.078
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,839 m²
Buildings1
Building footprint2,655 m²
Volume (LiDAR)27,217 m³
Tallest building18.5 m · ±5 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21019A0101/00N000 Brussels 2,839 m² 1 · 2,655 m² 18.5 m · 5 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts
Capital history · 2
19-07-2023
Capital change
24-05-2023
Capital change
All acts · 2 updated 3 years ago
2023
19-07-2023 Transaction in capital or shares Capital & shares
24-05-2023 Transaction in capital or shares Capital & shares

Analysis

Financial profile

5 of 5 axes measured
Health16Profitability0Solvency33Growth78Stability94
44 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 16
Profitability 0
Solvency 33
Growth 78
Stability 94

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 2,997 of the 21,798 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
Legal nameFR SCH GROUP
Registered office
Meiersplein 2
1150 Sint-Pieters-Woluwe, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.