Schaaf
ActiveSummary
The computed 12-month bankruptcy probability of Schaaf is 3.0% (moderate). The 2025 annual accounts show equity of €249k and a net result of €199k. Its solvency ranks better than 47% of 13417 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability95
Solvency52
Growth-
Track record67
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days only on tighter terms
Liquidity short (current ratio 0.44; short-term debt: 32.5% and cash: 9.3% of total assets), and 73.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
26.8%
Return on assets
21.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
23 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€249k
Total assets
€932k
Net result
€199k
Working capital
€-169k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €932k
Fixed assets
€799k
Current assets
€134k
Equity and liabilities €932k
Equity
€249k
Debt
€683k
Debt finances 73.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€356k
Cash flow
€281k
Current ratio
0.44
Quick ratio
0.40
Debt to equity
2.74
ROE
80.0%
ROA
21.4%
Interest coverage
25.30
Debt ≤ 1 year
€303k
Debt > 1 year
€368k
Income taxes
€61k
Staff costs
€63k
Filed annual accounts As filed with the NBB · 2025 · 48 lines
Balance sheet
Code2025
Assets
Total assets20/58€932k
Fixed assets21/28€799k
Intangible fixed assets21€601k
Tangible fixed assets22/27€198k
Plant, machinery and equipment23€130k
Furniture and vehicles24€68k
Current assets29/58€134k
Stocks and contracts in progress3€13k
Stocks30/36€13k
Amounts receivable within one year40/41€28k
Trade receivables40€14k
Other amounts receivable41€14k
Cash at bank and in hand54/58€87k
Deferred charges and accrued income490/1€6k
Equity and liabilities
Total equity and liabilities10/49€932k
Equity10/15€249k
Contributions10/11€50k
Reserves13€199k
Distributable reserves133€199k
Amounts payable17/49€683k
Amounts payable after more than one year17€368k
Financial debts170/4€368k
Amounts payable within one year42/48€303k
Current portion of amounts payable after more than one year42€94k
Trade debts44€6k
Suppliers440/4€6k
Taxes, remuneration and social security45€14k
Taxes450/3€7k
Remuneration and social security454/9€7k
Other amounts payable47/48€189k
Accrued charges and deferred income492/3€11k
Income statement
Code2025
Remuneration, social security and pensions62€63k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€82k
Other operating charges640/8€6k
Non-recurring operating charges66A€2k
Gross operating margin9900€427k
Operating profit (loss)9901€274k
Financial income75/76B€407
Recurring financial income75€407
Financial charges65/66B€14k
Recurring financial charges65€14k
Profit (loss) for the period before taxes9903€260k
Income taxes67/77€61k
Profit (loss) for the period9904€199k
Profit (loss) for the period to be appropriated9905€199k
Appropriation of the result
Profit (loss) to be appropriated9906€199k
Transfer to equity691/2€199k
To other reserves6921€199k
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €63k |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €82k |
| Other operating charges640/8 | €6k |
| Non-recurring operating charges66A | €2k |
| Gross operating margin9900 | €427k |
| Operating profit (loss)9901 | €274k |
| Financial income75/76B | €407 |
| Recurring financial income75 | €407 |
| Financial charges65/66B | €14k |
| Recurring financial charges65 | €14k |
| Profit (loss) for the period before taxes9903 | €260k |
| Income taxes67/77 | €61k |
| Profit (loss) for the period9904 | €199k |
| Profit (loss) for the period to be appropriated9905 | €199k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €932k | |
| Fixed assets21/28 | €799k | |
| Intangible fixed assets21 | €601k | |
| Tangible fixed assets22/27 | €198k | |
| Plant, machinery and equipment23 | €130k | |
| Furniture and vehicles24 | €68k | |
| Current assets29/58 | €134k | |
| Stocks and contracts in progress3 | €13k | |
| Stocks30/36 | €13k | |
| Amounts receivable within one year40/41 | €28k | |
| Trade receivables40 | €14k | |
| Other amounts receivable41 | €14k | |
| Cash at bank and in hand54/58 | €87k | |
| Deferred charges and accrued income490/1 | €6k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €932k | |
| Equity10/15 | €249k | |
| Contributions10/11 | €50k | |
| Reserves13 | €199k | |
| Distributable reserves133 | €199k | |
| Amounts payable17/49 | €683k | |
| Amounts payable after more than one year17 | €368k | |
| Financial debts170/4 | €368k | |
| Amounts payable within one year42/48 | €303k | |
| Current portion of amounts payable after more than one year42 | €94k | |
| Trade debts44 | €6k | |
| Suppliers440/4 | €6k | |
| Taxes, remuneration and social security45 | €14k | |
| Taxes450/3 | €7k | |
| Remuneration and social security454/9 | €7k | |
| Other amounts payable47/48 | €189k | |
| Accrued charges and deferred income492/3 | €11k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €199k |
| + Depreciation and write-downs630 | €82k |
| Operating cash flow (approximation) | €281k |
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
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Aarschot · 2 establishment units since 2025
Ground area
228 m²
Building footprint
200 m²
Volume, LiDAR
2,395 m³
2 parcels, Flanders · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Schaaf
since 20252.370.604.279
Statieplein ZN, 3200 Aarschot
since 20252.373.222.685
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24662F0044/00V011 | Flanders | 141 m² | 1 · 112 m² | 12.9 m · 4 fl. |
| 24662F0051/00T000indicative | Flanders | 88 m² | 1 · 88 m² | 19.6 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 300 EUR awarded · 300 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 300 EUR | 300 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteAarschot2.370.604.279
Similar companies · same sector, comparable size
ZERDA
BE 0865.274.048
Koekelberg · Eq €249,451
SCEPTRE
BE 0874.192.704
Brussel · Eq €249,476
FRITUUR DRIEMASTEN
BE 0818.632.884
Wevelgem · Eq €249,422
LCL-MARCHE
BE 0847.902.635
Marche-en-Famenne · Eq €249,159
MASCAB
BE 0750.836.913
Mouscron · Eq €249,878
Of 21,853 companies in sector 56112 we hold annual accounts for 9,776. 6,191 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-02-2025
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
73300Public relations and communication consultancy
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.