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SCH Tree

Active
Private limited company·Landschapsverzorging· 3 yrs active
Kleine Wijngaardstraat 173 ·1160 Oudergem, Belgium
KBO/BCE: BE 0803.891.854
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Age3 yrs
Real estate1 parcel · 362 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SCH Tree is 5.3% (elevated). The 2024 annual accounts show equity of €18k and a net result of €15k. Its solvency ranks better than 28% of 1972 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 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
5.3% Elevated
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate region +Higher-failure-rate sector +

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

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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
31-12-2024 31-07-2025 17-06-2025 44 d early 2025-00144834

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

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€15k
Working capital€-61k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 17-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 81, Cleaning & landscape services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 17.5% 36.6%
better than 28% of 1972 sector peers
Net result €15k €10k
better than 58% of 1964 sector peers
Equity €18k €29k
better than 37% of 1973 sector peers
Gross operating margin €45k €39k
better than 54% of 1962 sector peers
Total assets €101k €91k
better than 54% of 1973 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€44k
Net profit€15k
Cash flow€40k
Staff costs-
Income taxes€4k
Dividends-
Total assets€101k
Equity€18k
Debt€83k
of which ≤ 1y€83k
of which > 1y-
Working capital€-61k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.27
Quick ratio0.27
Working capital ratio-60.5%
Solvency17.5%
Debt / equity4.70
Long-term debt ratio-
Interest coverage1212.64
Gross margin-
Net margin-
ROA14.6%
ROE83.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€101k
Fixed assets 21/28€79k
Tangible fixed assets 22/27€79k
Current assets 29/58€22k
Amounts receivable within one year 40/41€14k
Cash & bank 54/58€8k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€101k
Equity 10/15€18k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€15k
Amounts payable 17/49€83k
Amounts payable within one year 42/48€83k
Trade debts payable within one year 44€611
Income statement
Gross operating margin 9900€45k
Operating result 9901€18k
Financial income 75€2
Financial charges 65€36
Result before taxes 9903€18k
Income taxes 67/77€4k
Net result for the period 9904€15k
Result to be appropriated 9905€15k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
43 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Kleine Wijngaardstraat 1731160 Oudergem

Establishment units

1 location
SCH Tree
Kleine Wijngaardstraat 173, 1160 OudergemOntwerpen van tuinen en parken, enz
since 20232.350.456.884
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area362 m²
Buildings1
Building footprint98 m²
Volume (LiDAR)990 m³
Tallest building13.1 m · ±4 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.
21332B0463/00M009 Brussels 362 m² 1 · 98 m² 13.1 m · 4 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

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health43Profitability100Solvency12Growth-Stability79
58 / 100

Mixed profile: strong on profitability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 43
Profitability 100
Solvency 12
Growth -
Stability 79

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Credit advice

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

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,204 of the 21,134 companies in this sector. 1,040 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Landschapsverzorging81300Landschapsverzorging81300Stedebouwkundige en tuin- en landschapsarchitecten71113Activiteiten van stedebouwkundige en tuin- en landschapsarchitecten71113
Primary activity highlighted.
Names & trade names
Legal nameFR SCH Tree
Registered office
Kleine Wijngaardstraat 173
1160 Oudergem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.