SCHAVELING
ActiveSCHAVELING has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174k and a net result of €118k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 81% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 3.12 against 4.12 in 2024; short-term debt: 16.2% and cash: 32.7% of total assets), and 16.2% 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○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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
83.8%
Return on assets
56.7%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
23 d early
2023
27 d early
2022
14 d early
2021
7 d early
2020
2 d early
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€174k▲ 14.6%
2024 · €152k
2019: €89k
2020: €115k
2021: €70k
2022: €108k
2023: €110k
2024: €152k
2019 → 2025
Total assets
€208k▲ 5.2%
2024 · €197k
2019: €120k
2020: €136k
2021: €75k
2022: €132k
2023: €148k
2024: €197k
2019 → 2025
Net result
€118k▲ 23.1%
2024 · €96k
2019: €29k
2020: €56k
2021: €36k
2022: €51k
2023: €54k
2024: €96k
2019 → 2025
Working capital
€71k▼ 46.4%
2024 · €132k
2019: €75k
2020: €76k
2021: €37k
2022: €86k
2023: €86k
2024: €132k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€108k▲ 53.5%€110k▲ 2.5%€152k▲ 37.6%€174k▲ 14.6%
Operating result€50k-€71k▲ 42.3%€69k▼ 2.0%€122k▲ 75.8%€150k▲ 23.0%
Net result€36k-€51k▲ 43.6%€54k▲ 5.3%€96k▲ 76.7%€118k▲ 23.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 23% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €208k
Fixed assets
€103k▲ 358%
Current assets
€105k▼ 40.2%
Equity and liabilities €208k
Equity
€174k▲ 14.6%
Debt
€34k▼ 26.0%
The debt ratio falls from 23.0% to 16.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€176k▲
2024 · €136k
Cash flow
€144k▲
2024 · €110k
Solvency
83.8%▲
2024 · 77.0%
Current ratio
3.12▼
2024 · 4.12
Quick ratio
3.12▼
2024 · 4.12
Debt / equity
0.19▼
2024 · 0.30
ROE
67.7%▲
2024 · 63.0%
ROA
56.7%▲
2024 · 48.5%
Interest coverage
2860.11▲
2024 · 108.68
Debt
€34k▼
2024 · €45k
Debt ≤ 1 year
€34k▼
2024 · €42k
Income taxes
€35k▲
2024 · €27k
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€197k€208k▲
Fixed assets21/28€23k€103k▲
Tangible fixed assets22/27€23k€103k▲
Plant, machinery and equipment23€21k€30k▲
Furniture and vehicles24€1k€73k▲
Current assets29/58€175k€105k▼
Amounts receivable within one year40/41€62k€33k▼
Trade receivables40€35k€706▼
Other amounts receivable41€27k€32k▲
Current investments50/53€98k€3▼
Cash at bank and in hand54/58€13k€68k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€197k€208k▲
Equity10/15€152k€174k▲
Contributions10/11€19k€19k=
Reserves13€133k€155k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€133k€155k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€45k€34k▼
Amounts payable after more than one year17€0-
Other amounts payable178/9€0-
Amounts payable within one year42/48€42k€34k▼
Trade debts44€303€0▼
Suppliers440/4€303€0▼
Advances received on contracts in progress46€25k€0▼
Taxes, remuneration and social security45€15k€34k▲
Taxes450/3€12k€34k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€2k€0▼
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€23k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€26k▲
Other operating charges640/8€505€1k▲
Gross operating margin9900€136k€177k▲
Operating profit (loss)9901€122k€150k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€1k€61▼
Recurring financial charges65€1k€61▼
Profit (loss) for the period before taxes9903€122k€152k▲
Income taxes67/77€27k€35k▲
Profit (loss) for the period9904€96k€118k▲
Profit (loss) for the period to be appropriated9905€96k€118k▲
Appropriation of the result
Profit (loss) to be appropriated9906€96k€118k▲
Transfer from equity791/2€54k€96k▲
Transfer to equity691/2€96k€118k▲
To other reserves6921€96k€118k▲
Profit to be distributed694/7€54k€96k▲
Return on contributions (dividend)694€54k€96k▲
The notes to these accounts (8 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
23-06
State Gazette act
Board meeting · Demerger
Permanent representative · Capital
23-06
State Gazette act
Board meeting · Demerger
Capital · Corporate purpose
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €118k ▲23.1%
Operating result €150k, net result €118k, both a record.
08-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €150kEq €152k ▲37.6%
6 profitable years in a row build equity to €152k.
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €100kEq €108k ▲53.5%
4 profitable years in a row build equity to €108k.
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €100kEq €115k ▲29.7%
2 profitable years in a row build equity to €115k.
10-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
19-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Jabbeke · 1 establishment unit since 2013
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.
Zomerweg 418490 JabbekeGround area
3,710 m²
Building footprint
176 m²
Volume, LiDAR
903 m³
Parcel 31031B0039/00H000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCHAVELING
since 20132.222.881.593
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31031B0039/00H000 | Flanders | 3,710 m² | 1 · 176 m² | 8.2 m · 2 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
549300OOXPKPSM3D1U24
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Of 5,691 companies in sector 70100 we hold annual accounts for 3,491. 2,374 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2013
Fiscal year end30-06
Activities, NACEBEL
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.