Turnover
≈ €300,000 estimated
The accounts state no turnover.
SCH VOYAGES
Lifetime
11 annual accounts with figures on one time axis, 12 filings since 2014Gross marginpeak €133,277 (2022)
€121,400▲ 70.7%
Resultlowest -€23,784 (2020)
€11,636▲ 42.8%
Equitypeak €175,926 (2024)
€175,926▲ 7.1%
Debts
€429,997▼ 19.8%
Staffpeak 1.4 FTE (2020)
-not published
Board1 name since 2021
1 directorCHAUVIER Séverine
Documentsfilings and deeds
31-08-202531 days late
2024micro format
Gross margin from €71,114 to €121,400Result from €8,147 to €11,636Purpose change · Amendment of the articles · Legal-form chang… 01-07Debts from €535,830 to €429,997
Key points
from the 2024 annual accountsChecked score
55
Fair
Financially stronger than 45% of micro companies in travel agencies (NACE 79)
Probability in this band: 1.5% to 4.2%
A confirmed filing finding caps the score at 59.
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.3% across 1,004 companies (NACE 79, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.5%▲ +0.2 percentage points vs 01-2025
03-2025: 0.6%▲ +0.1 percentage points vs 02-2025
04-2025: 1.0%▲ +0.4 percentage points vs 03-2025
05-2025: 1.1%▲ +0.1 percentage points vs 04-2025
06-2025: 1.5%▲ +0.4 percentage points vs 05-2025
07-2025: 2.6%▲ +1.1 percentage points vs 06-2025
08-2025: 2.6%● unchanged vs 07-2025
09-2025: 2.6%● unchanged vs 08-2025highest value
10-2025: 0.2%▼ -2.4 percentage points vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025lowest value
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.3 percentage points vs 07-2026
09-2026: 0.6%▲ +0.1 percentage points vs 08-2026
10-2026: 0.8%▲ +0.2 percentage points vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Capped at 59: a confirmed filing finding
Figures for financial year 2024 (filed on 02-09-2025)
1 financial year not filed after the legal deadline; last filed accounts filed 31 days late; 2 of the last 3 accounts late
lowers risk
Founded in 2012
Size: total assets €605,923
Calculation
The band follows from the bankruptcy probability. 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 79, micro). It does better than 44% of them on solvency, 53% on liquidity and 39% on profitability.
The bankruptcy probability was computed on 05-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,508 companies had the same profile as SCH VOYAGES has now. Each dot stands for 12 companies, two years later.
96.9%
were still trading
1.6%
stopped another way
1.4%
went bankrupt
That fits the bankruptcy probability of SCH VOYAGES itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,508 companies, not a prediction for SCH VOYAGES. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €9,000 on 30-day terms, only on tighter conditions: the latest accounts were filed more than 90 days after the deadline
Liquidity is tight, with a current ratio of 1.34 (1.31 in 2023), below the usual 1.5. Short-term debt is 56% and cash 33% of total assets. 71% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 97 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-11-2026, 97 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 11 filingsDeviation from the deadline
2025
97 days late
2024
31 days late
2023
26 days late
2022
311 days late
2021
139 days late
2020
40 days early
2019
16 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 78 days after the deadline. In the sector (NACE 79), the median for financial year 2024 was 7 days before the deadline, and 35% 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.
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments
“L'organisation, comme entrepreneur ou sous-entrepreneur, et la vente de voyages à forfait et de séjours à…” (deed in French) · General meeting of 17-06-2024 · Gazette deed
Incorporation
published on 04-01-2013 · Gazette deed
First establishment
Place Joséphine Charlotte 40, Namur
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| SCH VOYAGES Namur | €605,923 | €121,400 | 29.0% | - |
| PRESENT-ERA Evere | €576,432 | €98,191 | 68.0% | - |
| ND TRAVEL Walhain | €497,335 | €129,417 | 29.3% | 1.6 |
| Continental Tours Reiskantoren Knokke-Heist | €639,142 | €149,324 | 26.6% | 1.6 |
| GOELE CUSTERS Dilsen-Stokkem | €516,774 | €98,038 | 17.6% | 0.8 |
| WORLD TRAVEL COMPANY Etterbeek | €496,427 | €134,881 | 16.1% | 2.1 |
| TRAVEL INDIA Antwerp | €498,862 | €95,933 | 30.9% | - |
These companies have the same main activity as SCH VOYAGES: travel agency activities (NACE 79110). They are comparable in size and age: total assets between €496,000 and €639,000, founded between 2012 and 2014.
Official details
Source: KBO- Status
- Active since 21-12-2012Normal situation
- Activity
- Travel agency activitiesNACE 79110
- Establishment unit
- 2.216.685.0755100 Namur, since 21-12-2012
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2024
- Total assets
- €605,923
- Employeeson 31-12-2024
- 2
- Filing
- 2025 annual accounts filed on 05-11-2026
Insights on SCH VOYAGES
SCH VOYAGES files the micro format. That format states no turnover. The gross margin rose from €69,156 in 2014 to €121,400 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SCH VOYAGES
- What is the company number of SCH VOYAGES?
- The company number of SCH VOYAGES is 0508.666.317. The VAT number is the same number with BE in front: BE 0508.666.317.
- Where is SCH VOYAGES based?
- The registered office is at Clos des Epilobes 12, 5100 Namur.Company details
- What does SCH VOYAGES do?
- According to the KBO register, the main activity is travel agency activities (NACE 79110).
- What is the legal form of SCH VOYAGES?
- SCH VOYAGES is a private limited company (BV).
- When was SCH VOYAGES founded?
- SCH VOYAGES was founded on 21-12-2012.
- Is SCH VOYAGES still active?
- Yes, SCH VOYAGES is an active enterprise in the KBO register.
- How many employees does SCH VOYAGES have?
- SCH VOYAGES had an average of 2 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- What is the turnover of SCH VOYAGES?
- The turnover in financial year 2024 is ≈ €300,000. This figure is estimated from the gross margin of €121,400 and 2,211 comparable companies of the same size. It probably lies between €200,000 and €470,000. It is a rough estimate.
- Is SCH VOYAGES profitable?
- In financial year 2024, SCH VOYAGES made a profit of €11,636.
- Where can I find the annual accounts of SCH VOYAGES?
- SCH VOYAGES filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SCH VOYAGES due?
- SCH VOYAGES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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