Schampers
ActiveSchampers has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €713k and a net result of €579k. Equity is growing by ~46.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 7331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 12.27 against 8.71 in 2024; short-term debt: 8.2% and cash: 98.3% of total assets), and 8.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
91.8%
Return on assets
74.6%
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 19-03-2026, 134 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
134 d early
2024
121 d early
2023
139 d early
2022
151 d early
2021
142 d early
2020
128 d early
2019
104 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€713k▲ 432%
2024 · €134k
2018: €-32k
2019: €-16k
2020: €10k
2021: €56k
2022: €74k
2023: €104k
2024: €134k
2018 → 2025
Total assets
€776k▲ 411%
2024 · €152k
2018: €114k
2019: €85k
2020: €81k
2021: €111k
2022: €110k
2023: €109k
2024: €152k
2018 → 2025
Net result
€579k▲ 1,845%
2024 · €30k
2018: €-30k
2019: €16k
2020: €26k
2021: €46k
2022: €18k
2023: €31k
2024: €30k
2018 → 2025
Working capital
€713k▲ 430%
2024 · €134k
2018: €-33k
2019: €-20k
2020: €9k
2021: €55k
2022: €73k
2023: €104k
2024: €134k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€74k▲ 31.6%€104k▲ 41.6%€134k▲ 28.5%€713k▲ 432%
Operating result€50k-€27k▼ 45.7%€45k▲ 67.9%€44k▼ 2.3%€851k▲ 1,817%
Net result€46k-€18k▼ 61.7%€31k▲ 73.3%€30k▼ 2.9%€579k▲ 1,845%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,817% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €776k
Equity
€713k▲ 432%
Debt
€63k▲ 256%
The debt ratio falls from 11.7% to 8.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€851k▲
2024 · €44k
Cash flow
€579k▲
2024 · €30k
Solvency
91.8%▲
2024 · 88.3%
Current ratio
12.27▲
2024 · 8.71
Quick ratio
12.27▲
2024 · 8.71
Debt / equity
0.09▼
2024 · 0.13
ROE
81.2%▲
2024 · 22.2%
ROA
74.6%▲
2024 · 19.6%
Interest coverage
5662.66▲
2024 · 72.61
Debt
€63k▲
2024 · €18k
Debt ≤ 1 year
€63k▲
2024 · €17k
Income taxes
€272k▲
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€152k€776k▲
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Plant, machinery and equipment23€0-
Current assets29/58€152k€776k▲
Amounts receivable within one year40/41€7k€13k▲
Trade receivables40€7k€7k▼
Other amounts receivable41€597€7k▲
Cash at bank and in hand54/58€144k€763k▲
Equity and liabilities
Total equity and liabilities10/49€152k€776k▲
Equity10/15€134k€713k▲
Contributions10/11€19k€19k=
Reserves13€116k€694k▲
Distributable reserves133€116k€694k▲
Amounts payable17/49€18k€63k▲
Amounts payable within one year42/48€17k€63k▲
Trade debts44€313€371▲
Suppliers440/4€313€371▲
Taxes, remuneration and social security45€7k€63k▲
Taxes450/3€7k€63k▲
Other amounts payable47/48€10k€0▼
Accrued charges and deferred income492/3€331€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33€0▼
Other operating charges640/8€1k€859▼
Gross operating margin9900€46k€852k▲
Operating profit (loss)9901€44k€851k▲
Financial charges65/66B€612€150▼
Recurring financial charges65€612€150▼
Profit (loss) for the period before taxes9903€44k€851k▲
Income taxes67/77€14k€272k▲
Profit (loss) for the period9904€30k€579k▲
Profit (loss) for the period to be appropriated9905€30k€579k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€579k▲
Transfer to equity691/2€30k€579k▲
To other reserves6921€30k€579k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €579k ▲1845%
Operating result €851k, net result €579k, both a record.
31-12
Financial
Equity above €500kEq €713k ▲432%
7 profitable years in a row build equity to €713k.
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 7current ratio 21.22
Current ratio from 2.99 to 21.22; short-term debt falls from €37k to €5k.
31-12
Financial
Equity above €100kEq €104k ▲41.6%
5 profitable years in a row build equity to €104k.
02-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
26-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-04
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 acts for this company are 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, Retie · 1 establishment unit since 1996
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Wildeman 152470 RetieGround area
1,225 m²
Building footprint
521 m²
Volume, LiDAR
2,106 m³
Parcel 13036F1221/00F000, Flanders · tallest building 8.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Schampers
since 19962.079.714.444
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13036F1221/00F000 | Flanders | 1,225 m² | 1 · 521 m² | 8.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900UTBP0K7CD0JY59
Similar companies · same sector, comparable size
ARTEA
BE 0476.411.045
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Welvaert TSD
BE 0894.456.695
Hamme (Vl.) · Eq €713k
BOUWPROJECTEN MINNAERT-BERTH
BE 0447.139.910
Kaprijke · Eq €713k
M²CONSTRUCT
BE 0548.719.003
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Alain DONNAY
BE 0460.969.140
Blégny · Eq €712k
Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 7,809 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-1996
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
43120Site preparation
45112
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
46500Wholesale of information and communication equipment
46660Wholesale trade
51850
69109Other legal services
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.