Active BE 0789.846.749Private limited company

SCHABERG

Helshovenstraat 18 ·3840 Tongeren-Borgloon, Belgium· 3 yrs active

Sector: Accommodation (55203)

Conclusion Checked

The computed 12-month bankruptcy probability of SCHABERG is 3.7% (moderate). The 2024 annual accounts show negative equity (€-39k) and a net result of €-74k. Its solvency ranks better than 31% of 463 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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

Key figures

Equity	€-39k
Net result	€-74k
Staff (FTE)	4.3
Better than sector	31%

Snowflake analysis 5 axes · computed by Checked

53 / 100

Mixed profile: strong on profitability, weaker on health.

Health 7

Profitability 100

Solvency 33

Growth 32

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

3.7% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Multiple establishment units +Annual accounts: weaker financial profile +

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

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2024 · computed

7 / 100 Critical

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 09-11-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 55, Accommodation · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-5.0%	8.1%	better than 31% of 463 sector peers
Net result	€-74k	€-3k	better than 10% of 463 sector peers
Equity	€-39k	€14k	better than 17% of 463 sector peers
Gross operating margin	€45k	€18k	better than 67% of 462 sector peers
Staff costs	€69k	€34k	higher than 70% of 127 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€-26k

-4.4% 23-24

Net profit

€-74k

-12.7% 23-24

Cash flow

€-42k

+14.6% 23-24

Total assets

€793k

-2.9% 23-24

Equity

€-39k

- 23-24

Working capital

€-100k

-266.2% 23-24

Employees (FTE)

4

- 23-24

Staff costs

€69k

+1239.1% 23-24

Debt

€832k

+6.4% 23-24

Debt ≤ 1y

€125k

+159.0% 23-24

Debt > 1y

€707k

-3.6% 23-24

Current ratio

0.20

-53.7% 23-24

Quick ratio

0.20

-53.7% 23-24

Solvency

-5.0%

- 23-24

Debt / equity

-21.11

- 23-24

ROE

187.4%

- 23-24

ROA

-9.3%

-16.1% 23-24

Interest coverage

-1.57

-49.1% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Revenue	-
EBITDA	€-26k
Net profit	€-74k
Cash flow	€-42k
Staff costs	€69k
Income taxes	-
Dividends	-
Total assets	€793k
Equity	€-39k
Debt	€832k
of which ≤ 1y	€125k
of which > 1y	€707k
Working capital	€-100k
Employees (FTE)	4.3

Ratios (computed)

	2024
Current ratio	0.20
Quick ratio	0.20
Working capital ratio	-12.6%
Solvency	-5.0%
Debt / equity	-21.11
Long-term debt ratio	-17.94
Interest coverage	-1.57
Gross margin	-
Net margin	-
ROA	-9.3%
ROE	187.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €767k · 96.8% Current assets €25k · 3.2%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€793k
Fixed assets	21/28	€767k
Tangible fixed assets	22/27	€767k
Financial fixed assets	28	€635
Current assets	29/58	€25k
Cash & bank	54/58	€25k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€793k
Equity	10/15	€-39k
Contributions / capital	10/11	€100k
Accumulated profits (losses)	14	€-139k
Amounts payable	17/49	€832k
Amounts payable after one year	17	€707k
Amounts payable within one year	42/48	€125k
Trade debts payable within one year	44	€59k
Income statement
Gross operating margin	9900	€45k
Operating result	9901	€-58k
Financial income	75	€1k
Financial charges	65	€17k
Result before taxes	9903	€-74k
Net result for the period	9904	€-74k
Result to be appropriated	9905	€-74k

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Ratios computed by Checked.

Legal Structure

NACE primary	Accommodation(55203)
Legal form	Private limited company(610)
Incorporation	22-08-2022
Status	Active
Postal code	3840

Establishment units 3 locations

SCHABERG

Hemelsveldstraat 72, 3570 AlkenVerschaffen van logies voor kortstondig verblijf, al dan niet in combinatie met het verschaffen van maaltijden, in : hotels, motels en pensions (met hotel-service)

since 20222.335.065.756

johannietershuys

Helshovenstraat 18, 3840 Tongeren-BorgloonVerschaffen van logies voor kortstondig verblijf, al dan niet in combinatie met het verschaffen van maaltijden, in : hotels, motels en pensions (met hotel-service)

since 20252.368.945.678

Huis zonder naam

Helshovenstraat 41, 3840 Tongeren-BorgloonVerschaffen van logies voor kortstondig verblijf, al dan niet in combinatie met het verschaffen van maaltijden, in : hotels, motels en pensions (met hotel-service)

since 20252.368.945.777

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

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.

Flanders 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73031E0354/00K000	Flanders	3,919 m²	1 · 899 m²	-
73001I0062/00E000	Flanders	2,573 m²	1 · 526 m²	9.7 m · 2 fl.
73031D0110/00S000	Flanders	882 m²	1 · 193 m²	9.5 m · 1 fl.

Methodology

via registered seat: 1 · via establishment units: 2

3 of 3 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

09-11-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

24-03-2025

State Gazette act Registered-office change

Schaberg

2024

29-09-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

Belgisch Staatsblad, acts 1 acts

Address history · 1

24-03-2025

Registered-office move

All acts · 1 updated 1 year ago

2025

24-03-2025 Registered office moved within Borgloon Registered-office change·Schaberg

Tongersesteenweg 1 3840 Borgloon → Helshovenstraat 18, 3840 Borgloon

Notary: Schaberg

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Helshovenstraat 18, 3840 Borgloon",
        "city": "Borgloon",
        "region": "vlaams_gewest",
        "street": "Helshovenstraat",
        "country": "BE",
        "postcode": "3840",
        "box_number": null,
        "street_number": "18",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Tongersesteenweg 1 3840 Borgloon",
        "city": "Borgloon",
        "region": "vlaams_gewest",
        "street": "Tongersesteenweg",
        "country": "BE",
        "postcode": "3840",
        "box_number": null,
        "street_number": "1",
        "locality_suffix": null
      },
      "effective_date": null,
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "not_specified",
      "statutaire_vs_werkelijke": null,
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": "Schaberg",
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-03-24",
    "filing_date": "2025-03-17",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2025-02-02",
    "unanimous": false
  },
  "subject_company": {
    "kbo": "0789.846.749",
    "name_full": "BV Schaberg",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Ramakers Geert",
    "org_rep_person_name": null,
    "person_role_at_subject": "zaakvoerder"
  },
  "co_filed_documents": []
}

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Company registry (CBE) Crossroads Bank

Activities

Gites, vakantiewoningen en -appartementen55203Gites, vakantiewoningen en -appartementen55203Gastenkamers55204Gastenkamers55204Hotels en dergelijke accommodatie55100Hotels en dergelijke accommodatie55100Gastenkamers55204Gastenkamers55204Vakantieverblijven en andere accommodatie voor kort verblijf, n.e.g.55209Vakantieverblijven en andere accommodatie voor kort verblijf, neg55209Eetgelegenheden met volledige bediening56101Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met volledige bediening56111Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112

Primary activity highlighted.

Names & trade names

Legal nameNL

SCHABERG

Registered office

Helshovenstraat 18

3840 Tongeren-Borgloon, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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