SCHAPMAN
ActiveSummary
SCHAPMAN has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €302k and a net result of €168k. Equity is growing by ~77.6% per year across the filed fiscal years. Its solvency ranks better than 41% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability99▲+23
Solvency68▲+24
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity short (current ratio 0.02 against 0.04 in 2024; short-term debt: 37.8% and cash: 0.6% of total assets), and 57.1% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
42.9%
Return on assets
23.8%
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 02-07-2026, 29 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
29 d early
2024
20 d late
2023
21 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, abbreviated schema
Equity
€302k▲ 125%
2024 · €134k
Total assets
€705k▼ 1.7%
2024 · €717k
Net result
€168k▲ 314%
2024 · €41k
Working capital
€-262k▲ 30.4%
2024 · €-376k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€138k-€59k▼ 56.9%€249k▲ 320%
Net result€89k-€41k▼ 54.6%€168k▲ 314%
Equity€94k-€134k▲ 43.2%€302k▲ 125%
Total assets€720k-€717k▼ 0.4%€705k▼ 1.7%
Debt€626k-€583k▼ 6.9%€403k▼ 30.9%
Working capital€-371k-€-376k▼ 1.3%€-262k▲ 30.4%
Staff (FTE)0-00
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 320% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €705k
Fixed assets
€701k =
Current assets
€5k ▼ 70.9%
Equity and liabilities €705k
Equity
€302k ▲ 125%
Debt
€403k ▼ 30.9%
Debt's share of the balance-sheet total falls from 81.3% to 57.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€249k▲
2024 · €60k
Cash flow
€168k▲
2024 · €41k
Current ratio
0.02▼
2024 · 0.04
Debt to equity
1.33▼
2024 · 4.34
ROE
55.6%▲
2024 · 30.2%
ROA
23.8%▲
2024 · 5.7%
Interest coverage
41.21▲
2024 · 8.15
Debt ≤ 1 year
€267k▼
2024 · €393k
Debt > 1 year
€136k▼
2024 · €187k
Income taxes
€75k▲
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €87 | €259 | €259 | = |
| Other operating charges640/8 | €3k | €1k | €1k | ▲ 19.0% |
| Gross operating margin9900 | €140k | €61k | €251k | ▲ 312% |
| Operating profit (loss)9901 | €138k | €59k | €249k | ▲ 320% |
| Financial charges65/66B | €23k | €7k | €6k | ▼ 17.3% |
| Recurring financial charges65 | €23k | €7k | €6k | ▼ 17.3% |
| Profit (loss) for the period before taxes9903 | €115k | €52k | €243k | ▲ 367% |
| Income taxes67/77 | €25k | €11k | €75k | ▲ 553% |
| Profit (loss) for the period9904 | €89k | €41k | €168k | ▲ 314% |
| Profit (loss) for the period to be appropriated9905 | €89k | €41k | €168k | ▲ 314% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €720k | €717k | €705k | ▼ 1.7% |
| Fixed assets21/28 | €701k | €701k | €701k | = |
| Tangible fixed assets22/27 | €1k | €950 | €691 | ▼ 27.3% |
| Furniture and vehicles24 | €1k | €950 | €691 | ▼ 27.3% |
| Financial fixed assets28 | €700k | €700k | €700k | = |
| Current assets29/58 | €19k | €16k | €5k | ▼ 70.9% |
| Amounts receivable within one year40/41 | €9k | €778 | €684 | ▼ 12.1% |
| Trade receivables40 | €7k | €0 | - | - |
| Other amounts receivable41 | €3k | €778 | €684 | ▼ 12.1% |
| Cash at bank and in hand54/58 | €8k | €14k | €4k | ▼ 70.7% |
| Deferred charges and accrued income490/1 | €2k | €2k | €0 | ▼ 100% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €720k | €717k | €705k | ▼ 1.7% |
| Equity10/15 | €94k | €134k | €302k | ▲ 125% |
| Contributions10/11 | €5k | €5k | €5k | = |
| Reserves13 | €89k | €130k | €298k | ▲ 129% |
| Distributable reserves133 | €89k | €130k | €298k | ▲ 129% |
| Amounts payable17/49 | €626k | €583k | €403k | ▼ 30.9% |
| Amounts payable after more than one year17 | €236k | €187k | €136k | ▼ 27.0% |
| Financial debts170/4 | €236k | €187k | €136k | ▼ 27.0% |
| Amounts payable within one year42/48 | €390k | €393k | €267k | ▼ 32.1% |
| Current portion of amounts payable after more than one year42 | €52k | €53k | €55k | ▲ 2.5% |
| Trade debts44 | €15k | €7k | €4k | ▼ 40.4% |
| Suppliers440/4 | €15k | €7k | €4k | ▼ 40.4% |
| Taxes, remuneration and social security45 | €26k | €37k | €85k | ▲ 130% |
| Taxes450/3 | €26k | €37k | €85k | ▲ 130% |
| Other amounts payable47/48 | €297k | €296k | €123k | ▼ 58.3% |
| Accrued charges and deferred income492/3 | - | €4k | €0 | ▼ 100% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €89k | €41k | €168k | ▲ 314% |
| + Depreciation and write-downs630 | €87 | €259 | €259 | = |
| Operating cash flow (approximation) | €89k | €41k | €168k | ▲ 312% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | €6k | €-10k | ▼ 258% |
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
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2023net €168k ▲314%
Operating result €249k, net result €168k, both a record.
31-12
Financial
Equity above €200kEq €302k ▲125%
3 profitable years in a row build equity to €302k.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 20 days late
2024
31-12
Financial
Weakest financial yearnet €41k ▼54.6%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €134k ▲43.2%
2 profitable years in a row build equity to €134k.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Bredene · 1 establishment unit since 2022
Ground area
2,674 m²
Building footprint
633 m²
Volume, LiDAR
3,726 m³
Parcel 35302D0183/00X002, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCHAPMAN
since 20222.332.574.242
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35302D0183/00X002 | Flanders | 2,674 m² | 1 · 633 m² | 11.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 5,710 companies in sector 70100 we hold annual accounts for 3,502. 2,316 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
Founded22-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
70200Business and other management consultancy
73300Public relations and communication consultancy
82100Office administrative and support services
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.