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Schaffelberg IC

Active
Private limited companyfounded 20233 yrs activeSchaffelberg 9, 2220 Heist-op-den-Berg, BelgiumKBO/BCE: BE 0803.262.344
Summary

The computed 12-month bankruptcy probability of Schaffelberg IC is 4.5% (elevated). The 2024 annual accounts show negative equity (-€91,937) and a net result of -€111,937. Its solvency ranks better than 9% of 1939 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
Schaffelberg ICActiveChecked score 36/100
Risk analysis ReportCompare

Overview

Activity
Activities of building architects
NACE 71111
1 site
Size
€1.7mtotal assets 2024
Equity
-€91,937
Loss
-€111,937
Turnover not published (abridged schema)
Financial health
36 Weak Checked score 2024
Bankruptcy chance 12 m
4.5%
Structure
Board
2 members
Accounts filed 68 d late
Why 36- Liquidity: current ratio 0.00, cash €371- Figures for FY 2024 (filed 09-10-2025)- 1 financial year not filed after the legal deadline; latest accounts 68 days late; 1 of the last 3 late+ Sector Architectural and engineering activities; technical testing and analysis (NACE 71)Show the evidence

Checked score

Score 2024
36 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 14% of its sector peers (NACE 71, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength
Weak
Solvency 20
equity -5.4% of total assets
Liquidity 40
short-term debt 25.6% · cash 0.0%
Profitability 28
return on assets -6.6%
Bankruptcy probability, 12 months
4.5% Elevated
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (14,650 companies)
Last 24 months 11-2024: 0.5%lowest value 12-2024: 0.6%▲ +11.7% vs 11-2024 01-2025: 0.6%● 0.0% vs 12-2024 02-2025: 0.6%▲ +11.1% vs 01-2025 03-2025: 0.7%▲ +3.1% vs 02-2025 04-2025: 0.6%▼ -4.2% vs 03-2025 05-2025: 0.7%▲ +1.7% vs 04-2025 06-2025: 0.7%▲ +15.0% vs 05-2025 07-2025: 0.8%▲ +1.3% vs 06-2025 08-2025: 0.8%● 0.0% vs 07-2025 09-2025: 0.7%▼ -1.6% vs 08-2025 10-2025: 0.7%● 0.0% vs 09-2025 11-2025: 2.2%▲ +196% vs 10-2025 12-2025: 2.2%● 0.0% vs 11-2025 01-2026: 2.2%● 0.0% vs 12-2025 02-2026: 2.2%● 0.0% vs 01-2026 03-2026: 2.2%▲ +0.6% vs 02-2026 04-2026: 2.2%▼ -2.0% vs 03-2026 05-2026: 2.2%● 0.0% vs 04-2026 06-2026: 2.2%▼ -1.2% vs 05-2026 07-2026: 2.1%▼ -4.4% vs 06-2026 08-2026: 2.7%▲ +32.2% vs 07-2026 09-2026: 3.1%▲ +14.3% vs 08-2026 10-2026: 4.5%▲ +42.8% vs 09-2026highest value
  • Liquidity: current ratio 0.00, cash €371 raises the probability
  • Figures for FY 2024 (filed 09-10-2025) raises the probability
  • 1 financial year not filed after the legal deadline; latest accounts 68 days late; 1 of the last 3 late raises the probability
  • Sector Architectural and engineering activities; technical testing and analysis (NACE 71) lowers the probability
No credit on open account
Liquidity short (current ratio 0.0; short-term debt: 25.6% and cash: 0% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 71, micro). Better than this share of them on solvency 8%, liquidity 20%, profitability 15%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 0.00, cash €371
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Figures for FY 2024 (filed 09-10-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 68 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Sector Architectural and engineering activities; technical testing and analysis (NACE 71)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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.
NBB · 1 filing
Deviation from the deadline
2024
68 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 68 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 34% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Appointments: SCK Consulting (non-statutory director) and…Permanent representatives: SCHOENMAEKERS Stijn, COELST…
  2. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Risk: Negative equityfiscal year 2024: debts exceed assets -€91,937 View
  • Caution: Among the weakest 5% on equitysector median €267,870 · 1,939 companies -€91,937 View
  • Caution: Board changedlatest change 18-06-2026 · 2 in office 2 joined · 2 left View
  • Caution: Latest accounts filed lateafter the legal deadline 68 d View

By topic

Financials

Fiscal year
2024
Total assets
€1.7m
Loss
-€111,937
Solvency
-5.4%
Go to Financials

Timeline

Events
2
Since
2025
  1. 18-06-2026Appointments: SCK Consulting (non-statutory director) and PYGMALINE…
  2. 07-10-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Activities of building architectsNACE 71111
Founded
28-06-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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