SCHEP BV
ActiveSummary
SCHEP BV has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €55k. Equity is growing by ~79.4% per year across the filed fiscal years. Its solvency ranks better than 75% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 4.64 against 3.7 in 2024; short-term debt: 21.4% and cash: 75.1% of total assets), and 21.4% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% 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
78.6%
Return on assets
37%
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 25-03-2026, 128 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
128 d early
2024
52 d early
2023
43 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€117k▲ 88.8%
2024 · €62k
Total assets
€149k▲ 77.3%
2024 · €84k
Net result
€55k▲ 24.5%
2024 · €44k
Working capital
€116k▲ 95.0%
2024 · €60k
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€21k-€56k▲ 163%€69k▲ 22.1%
Net result€17k-€44k▲ 161%€55k▲ 24.5%
Equity€19k-€62k▲ 233%€117k▲ 88.8%
Total assets€29k-€84k▲ 193%€149k▲ 77.3%
Debt€10k-€22k▲ 118%€32k▲ 44.9%
Working capital€19k-€60k▲ 219%€116k▲ 95.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149k
Fixed assets
€1k ▼ 48.6%
Current assets
€148k ▲ 81.5%
Equity and liabilities €149k
Equity
€117k ▲ 88.8%
Debt
€32k ▲ 44.9%
Debt's share of the balance-sheet total falls from 26.1% to 21.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€70k▲
2024 · €57k
Cash flow
€57k▲
2024 · €46k
Current ratio
4.64▲
2024 · 3.70
Debt to equity
0.27▼
2024 · 0.35
ROE
47.0%▼
2024 · 71.3%
ROA
37.0%▼
2024 · 52.7%
Interest coverage
508.85▲
2024 · 128.20
Debt ≤ 1 year
€32k▲
2024 · €22k
Income taxes
€14k▲
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 | - | €1k | €1k | ▲ 6.1% |
| Other operating charges640/8 | - | €367 | €375 | ▲ 2.2% |
| Gross operating margin9900 | €21k | €58k | €70k | ▲ 21.7% |
| Operating profit (loss)9901 | €21k | €56k | €69k | ▲ 22.1% |
| Financial income75/76B | - | €4 | €920 | ▲ 20,614% |
| Recurring financial income75 | - | €4 | €920 | ▲ 20,614% |
| Financial charges65/66B | €17 | €448 | €137 | ▼ 69.3% |
| Recurring financial charges65 | €17 | €448 | €137 | ▼ 69.3% |
| Profit (loss) for the period before taxes9903 | €21k | €56k | €69k | ▲ 24.5% |
| Income taxes67/77 | €4k | €11k | €14k | ▲ 24.5% |
| Profit (loss) for the period9904 | €17k | €44k | €55k | ▲ 24.5% |
| Profit (loss) for the period to be appropriated9905 | €17k | €44k | €55k | ▲ 24.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €29k | €84k | €149k | ▲ 77.3% |
| Fixed assets21/28 | - | €3k | €1k | ▼ 48.6% |
| Tangible fixed assets22/27 | - | €3k | €1k | ▼ 48.6% |
| Furniture and vehicles24 | - | €3k | €1k | ▼ 48.6% |
| Current assets29/58 | €29k | €82k | €148k | ▲ 81.5% |
| Amounts receivable within one year40/41 | - | €10k | €15k | ▲ 56.5% |
| Trade receivables40 | - | €10k | €15k | ▲ 56.5% |
| Current investments50/53 | - | €48k | €21k | ▼ 56.8% |
| Cash at bank and in hand54/58 | €29k | €24k | €112k | ▲ 364% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €29k | €84k | €149k | ▲ 77.3% |
| Equity10/15 | €19k | €62k | €117k | ▲ 88.8% |
| Contributions10/11 | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €16k | €60k | €115k | ▲ 92.5% |
| Amounts payable17/49 | €10k | €22k | €32k | ▲ 44.9% |
| Amounts payable within one year42/48 | €10k | €22k | €32k | ▲ 44.9% |
| Trade debts44 | €45 | - | €135 | - |
| Suppliers440/4 | €45 | - | €135 | - |
| Taxes, remuneration and social security45 | €9k | €21k | €32k | ▲ 50.8% |
| Taxes450/3 | €9k | €21k | €32k | ▲ 50.8% |
| Other amounts payable47/48 | €1k | €1k | €120 | ▼ 88.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €17k | €44k | €55k | ▲ 24.5% |
| + Depreciation and write-downs630 | - | €1k | €1k | ▲ 6.1% |
| Operating cash flow (approximation) | €17k | €46k | €57k | ▲ 24.0% |
| Investment in fixed assets (approximation) | - | - | €0 | - |
| Change in cash | - | €-5k | €88k | ▲ 2,017% |
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
30-07
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 27 maart 2026
- Registered-office move, Saffierstraat 161, 2600 Antwerpen
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €55k ▲24.5%
Operating result €69k, net result €55k, both a record.
31-12
Financial
Equity above €100kEq €117k ▲88.8%
3 profitable years in a row build equity to €117k.
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2023
Ground area
146 m²
Building footprint
146 m²
Volume, LiDAR
903 m³
Parcel 11302A0298/00L004, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCHEP BV
since 20232.349.684.745
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11302A0298/00L004 | Flanders | 146 m² | 1 · 146 m² | 10.5 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.
Similar companies · same sector, comparable size
ALAIN VERGAUWEN
BE 0884.729.080
Elsene · Eq €117,469
LAW FACTORY
BE 0892.647.943
Lier · Eq €117,406
FDGLex
BE 0645.820.159
Elsene · Eq €117,399
Frédéric PARIS
BE 0563.358.380
Tournai · Eq €117,399
Milasius
BE 0761.761.388
Tongeren-Borgloon · Eq €117,579
Of 22,069 companies in sector 69101 we hold annual accounts for 9,055. 7,563 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
Founded21-09-2023
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Scores and ratios are computed by Checked and are not a credit decision.