SCHEPENS DIETER
ActiveSummary
The computed 12-month bankruptcy probability of SCHEPENS DIETER is 1.8% (moderate). The 2025 annual accounts show equity of €13k and a net result of €10k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 1904 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-7
Solvency50▼-33
Growth78=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.56 against 1.28 in 2024; short-term debt: 73.3% and cash: 23.5% of total assets), and 74.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← 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
25.1%
Return on assets
19.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-09-2026, 34 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 · 5 filingsDeviation from the deadline
2025
34 d late
2024
25 d late
2023
30 d early
2022
7 d late
2021
27 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▼ 67.4%
2024 · €41k
2021: €4k
2022: €5k
2023: €19k
2024: €41k
2021 → 2025
Total assets
€53k▼ 24.7%
2024 · €71k
2021: €22k
2022: €22k
2023: €39k
2024: €71k
2021 → 2025
Net result
€10k▼ 52.2%
2024 · €22k
2021: €1k
2022: €1k
2023: €14k
2024: €22k
2021 → 2025
Working capital
€-17k
2024 · €8k
2021: €-5k
2022: €-2k
2023: €9k
2024: €8k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€5k▲ 27.6%€19k▲ 271%€41k▲ 113%€13k▼ 67.4%
Operating result€2k-€2k▼ 16.5%€17k▲ 876%€28k▲ 61.5%€15k▼ 46.8%
Net result€1k-€1k▲ 3.6%€14k▲ 1,152%€22k▲ 54.3%€10k▼ 52.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€32k ▼ 7.2%
Current assets
€22k ▼ 40.8%
Equity and liabilities €53k
Equity
€13k ▼ 67.4%
Debt
€40k ▲ 34.3%
Debt's share of the balance-sheet total rises from 42.0% to 74.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€29k▼
2024 · €34k
Cash flow
€24k▼
2024 · €27k
Current ratio
0.56▼
2024 · 1.28
Debt to equity
2.98▲
2024 · 0.72
ROE
77.6%▲
2024 · 53.0%
ROA
19.5%▼
2024 · 30.7%
Interest coverage
20.82▼
2024 · 133.18
Debt ≤ 1 year
€39k▲
2024 · €29k
Debt > 1 year
€785▼
2024 · €927
Income taxes
€3k▼
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€71k€53k▼
Fixed assets21/28€34k€32k▼
Tangible fixed assets22/27€34k€32k▼
Plant, machinery and equipment23€5k€5k▼
Furniture and vehicles24€29k€27k▼
Current assets29/58€37k€22k▼
Amounts receivable within one year40/41€11k€9k▼
Trade receivables40€7k€7k▲
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€25k€13k▼
Deferred charges and accrued income490/1€387€345▼
Equity and liabilities
Total equity and liabilities10/49€71k€53k▼
Equity10/15€41k€13k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€38k€10k▼
Amounts payable17/49€30k€40k▲
Amounts payable after more than one year17€927€785▼
Financial debts170/4€927€785▼
Amounts payable within one year42/48€29k€39k▲
Current portion of amounts payable after more than one year42€4k€10k▲
Trade debts44€20k€0▼
Suppliers440/4€20k€0▼
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€5k€2k▼
Other amounts payable47/48€0€27k▲
Accrued charges and deferred income492/3-€47
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€14k▲
Other operating charges640/8€365€965▲
Gross operating margin9900€34k€30k▼
Operating profit (loss)9901€28k€15k▼
Financial income75/76B€6€7▲
Recurring financial income75€6€7▲
Financial charges65/66B€254€1k▲
Recurring financial charges65€254€1k▲
Profit (loss) for the period before taxes9903€28k€14k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€22k€10k▼
Profit (loss) for the period to be appropriated9905€22k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€10k▼
Profit (loss) brought forward from the previous period14P€16k€0▼
Transfer from equity791/2-€38k
Profit to be distributed694/7-€38k
Return on contributions (dividend)694-€38k
The notes to these accounts (14 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
03-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 34 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Highest result since 2021net €22k ▲54.3%
Operating result €28k, net result €22k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Tremelo · 1 establishment unit since 2021
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.
Parkheidestraat 503128 TremeloGround area
383 m²
Building footprint
92 m²
Volume, LiDAR
226 m³
Parcel 24006C0189/00D002, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SCHEPENS DIETER
since 20212.311.441.803
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24006C0189/00D002 | Flanders | 383 m² | 1 · 92 m² | 6.6 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 90 EUR awarded · 90 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 90 EUR | 90 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteTremelo2.311.441.803
Similar companies · same sector, comparable size
BEJO METAL
BE 0672.602.750
Riemst · Eq €13,363
VANDEVELDE CONSTRUCTIE
BE 0472.895.586
Opwijk · Eq €13,551
DBX INDUSTRIALS
BE 1018.627.385
Comblain-au-Pont · Eq €13,677
Laswerken Jens
BE 0773.871.938
Brecht · Eq €13,689
F.M.B. Concept
BE 0802.178.617
Sambreville · Eq €13,709
Of 3,986 companies in sector 25110 we hold annual accounts for 2,147. 894 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
25110Manufacture of metal structures and parts of structures
71111Activities of building architects
71112Activities of interior architects
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:schepens.dieter@hotmail.com