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SCHELLES EN ZONEN

Active
Private limited companyfounded 198441 years activeElsendonkstraat 142, 2560 Nijlen, BelgiumKBO/BCE: BE 0426.815.836
Summary

SCHELLES EN ZONEN has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €245,301 and a net result of €24,791. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 73% of 2,716 sector peers (NACE 41, fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Activity
General construction of residential buildings
NACE 41001
#8 oldest company in Nijlen, Construction sector1 site
Size
€397,062total assets 2025
Equity
€245,301
Profit
€24,791
Turnover not published (abridged schema)
Financial health
84 Excellent Checked score 2025
Bankruptcy probability, 12 months
0.4%
Structure
Accounts filed 31 days late0 of 5 deeds read
Why 84- Sector Construction of residential and non-residential buildings (NACE 41)- Latest accounts 31 days late; 1 of the last 3 late+ Founded in 1984+ Liquidity: current ratio 2.62, cash €49,124, halvedShow the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 57% of its sector peers (NACE 41, micro)
Financial strength · tick = 2024
Strong
Solvency 87+12
equity 61.8% of total assets
Liquidity 48-27
short-term debt 38.1% · cash 12.4%
Profitability 77-12
return on assets 6.2%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,367 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 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: 0.2%▲ +0.1 percentage points vs 06-2025 08-2025: 0.3%▲ +0.1 percentage points vs 07-2025 09-2025: 0.1%▼ -0.2 percentage points vs 08-2025lowest value 10-2025: 0.1%● unchanged vs 09-2025lowest value 11-2025: 0.1%● unchanged vs 10-2025lowest value 12-2025: 0.1%● unchanged vs 11-2025lowest value 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026lowest value 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026 09-2026: 0.4%▲ +0.2 percentage points vs 08-2026highest value 10-2026: 0.4%● unchanged vs 09-2026highest value
Credit up to €20,000 at 30 days acceptable
Liquidity ample (current ratio 2.62 against 2.01 in 2024; short-term debt: 38.1% and cash: 12.4% of total assets), and 38.2% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 71% on solvency, 47% on liquidity, 55% on profitability and 54% on growth.

The bankruptcy probability was computed on 06-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
KBO
lowers risk · Founded in 1984
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Latest accounts 31 days late; 1 of the last 3 late
NBB · filings
lowers risk · Liquidity: current ratio 2.62, cash €49,124, halved
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filings
Deviation from the deadline
2025
31 days late
2024
26 days late
2023
29 days late
2022
22 days late
2021
26 days late
2020
2 days late
2019
101 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 34 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

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. Usually files around 26 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Back to profitnet €71,111

Key points

  • Positive: Oldest company in Nijlen, Construction sectorin the Checked rankings #8 View
  • Active since 1984founded 08-10-1984 41 years View
  • Total assets 20256 fiscal years filed €397,062 View

By topic

Financials

Fiscal year
2025
Total assets
€397,062
Profit
€24,791
Solvency
61.8%
Total assets▼ 10.2%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 29-08-2024Annual accounts filed
  2. 22-08-2023Annual accounts filed
  3. 31-12-2022Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
08-10-1984
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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