Equity
€712,805 ▲ 432%
Schampers has made a profit without a break since 2019.
Schampers
Lifetime
19 annual accounts with figures on one time axis, 29 filings since 1997peak €851,900 (2025)
€851,900▲ 19×
lowest -€38,916 (2017)
€578,731▲ 19×
peak €712,805 (2025)
€712,805▲ 432%
€63,259▲ 256%
peak 0.6 FTE (2012)
-not published
Board1 name since 2013
1 directorSchampers Aloysius Antonius Maria Cornelis
Documentsfilings and deeds
19-03-2026134 days before the deadline
2025micro format
Gross margin from €45,562 to €851,900Result from €29,756 to €578,731Equity from €134,074 to €712,805Debts from €17,763 to €63,259Cash from €144,484 to €762,803
Key points
from the 2025 annual accountsResult
€578,731 ▲ 19×
The result rose in 2025 from €29,756 to €578,731.
Turnover
≈ €1.9m estimated
The micro format states no turnover.
Liquidity
12.27 was 8.71 in 2024
Short-term debts rose from €17,432 to €63,259.
Filings
29 annual accounts since 1997
The last five annual accounts were filed 121 to 151 days before the end of the period.
Position in the sector
91.8%
Higher solvency than 95% of companies in construction of buildings. Sector median 42.9% · 9,456 companies.
Checked score
99
Excellent
Financially stronger than 95% of micro companies in construction of buildings (NACE 41)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%highest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Liquidity: current ratio 12.27, cash €762,803
Equity €712,805 (91.8% of total assets)
Founded in 1996
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 41, micro). It does better than 92% of them on solvency, 99% on liquidity, 91% on profitability and 97% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 20,137 companies had the same profile as Schampers has now. Each dot stands for 51 companies, two years later.
95.1%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of Schampers itself: < 0.1% 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 20,137 companies, not a prediction for Schampers. 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 €70,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 12.27 (8.71 in 2024), above the usual 1.5. Short-term debt is 8.2% and cash 98.3% of total assets. 8.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 19-03-2026, 134 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
134 days early
2024
121 days early
2023
139 days early
2022
151 days early
2021
142 days early
2020
128 days early
2019
104 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 131 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% 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. The company usually files around 15 March (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
SA
Schampers Aloysius Antonius Maria Cornelis
Director, since 01-02-2013
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0459548287
Amendment of the articles · Legal-form change · Resignations & appointments
Director in office: Schampers Aloysius Antonius Maria Cornelis · A shareholder holds all the shares · General meeting of 15-12-2022 · Gazette deed
First establishment
Wildeman 15, Retie
Incorporation
published on 03-01-1997 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Schampers Retie | €776,065 | €0.9m | 91.8% | - |
| BOUWWERKEN VERLINDEN Lille | €937,160 | €0.9m | 2.3% | 10.6 |
| WARANDEBERG Halle | €848,573 | €0.8m | 60.8% | 10.2 |
| ALGEMENE BOUWONDERNEMING DE SCHEPPER - VOET Maldegem | €960,422 | €0.9m | 12.2% | 12.9 |
| FINIQ Houthulst | €652,005 | €0.7m | 11.2% | - |
| VEJA Puurs-Sint-Amands | €791,697 | €1.1m | 0.2% | 13.9 |
| BOUWBEDRIJF VERVOORT & Co Olen | €751,501 | €0.9m | 58.4% | 10 |
These companies have the same main activity as Schampers: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €652,000 and €960,000, founded between 1992 and 2003.
Official details
Source: KBO- Status
- Active since 20-12-1996Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 7 others
- Establishment unit
- 2.079.714.4442470 Retie, since 30-12-1996
- Financial year end
- 31 December
- Peppol
- Reachable since 21-03-2025
Annual accounts 2025
- €776,065▲ 411%
- Filing
- Filed on 19-03-2026, 134 days before the end of the filing period
Insights on Schampers
Schampers files the micro format. That format states no turnover. The gross margin rose from €70,108 in 2007 to €851,900 in 2025.
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 Schampers
- What is the company number of Schampers?
- The company number of Schampers is 0459.548.287. The VAT number is the same number with BE in front: BE 0459.548.287.
- Where is Schampers based?
- The registered office is at Wildeman 15, 2470 Retie.Company details
- What does Schampers do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of Schampers?
- Schampers is a private limited company (BV).
- When was Schampers founded?
- Schampers was founded on 20-12-1996.
- Is Schampers still active?
- Yes, Schampers is an active enterprise in the KBO register.
- What is the turnover of Schampers?
- The turnover in financial year 2025 is ≈ €1.9m. This figure is estimated from the gross margin of €851,900 and 56 comparable companies (NACE 41001). It probably lies between €1.5m and €3.1m.Financials
- Is Schampers profitable?
- In financial year 2025, Schampers made a profit of €578,731.
- Where can I find the annual accounts of Schampers?
- Schampers filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Schampers due?
- Schampers must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.