Schepens Koeltechniek

Active

Private limited companyfounded 20242 yrs activeGrotenbergestraat 90, 9620 Zottegem, BelgiumKBO/BCE: BE 1008.739.226

The computed 12-month bankruptcy probability of Schepens Koeltechniek is 2.2% (moderate). The 2025 annual accounts show equity of €94k and a net result of €89k. Its solvency ranks better than 19% of 27407 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

48 / 100

Fair

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency21

Growth-

Stability67

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity short (current ratio 0.93), and 82.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

17.1%

Return on assets

16.1%

Age of the figures

8 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 27407 sector peers (2025).

NBB · sector comparison

Position among 27407 sector peers

Solvency

better than 19%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

7 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€94k

Total assets

€551k

Net result

€89k

Working capital

€-9k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €551k

77.3%

22.7%

Fixed assets €426k

Current assets €125k

Equity and liabilities €551k

17.1%

82.9%

Equity €94k

Debt €457k

Debt finances 82.9% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€154k

Cash flow

€123k

Solvency

17.1%

Current ratio

0.93

Quick ratio

0.62

Debt / equity

4.87

ROE

94.7%

ROA

16.1%

Interest coverage

23.00

Debt

€457k

Debt ≤ 1 year

€134k

Debt > 1 year

€323k

Income taxes

€25k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€551k

Fixed assets21/28€426k

Intangible fixed assets21€133

Tangible fixed assets22/27€426k

Land and buildings22€359k

Plant, machinery and equipment23€17k

Furniture and vehicles24€51k

Current assets29/58€125k

Stocks and contracts in progress3€42k

Stocks30/36€42k

Amounts receivable within one year40/41€35k

Trade receivables40€34k

Other amounts receivable41€1k

Cash at bank and in hand54/58€47k

Deferred charges and accrued income490/1€1k

Equity and liabilities

Total equity and liabilities10/49€551k

Equity10/15€94k

Contributions10/11€5k

Reserves13€89k

Distributable reserves133€89k

Amounts payable17/49€457k

Amounts payable after more than one year17€323k

Financial debts170/4€323k

Amounts payable within one year42/48€134k

Current portion of amounts payable after more than one year42€25k

Trade debts44€11k

Suppliers440/4€11k

Taxes, remuneration and social security45€30k

Taxes450/3€30k

Other amounts payable47/48€69k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k

Other operating charges640/8€35k

Gross operating margin9900€189k

Operating profit (loss)9901€120k

Financial income75/76B€159

Recurring financial income75€159

Financial charges65/66B€7k

Recurring financial charges65€7k

Profit (loss) for the period before taxes9903€114k

Income taxes67/77€25k

Profit (loss) for the period9904€89k

Profit (loss) for the period to be appropriated9905€89k

Appropriation of the result

Profit (loss) to be appropriated9906€89k

Transfer to equity691/2€89k

To other reserves6921€89k

The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

24-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

NBB filing

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, Zottegem · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Grotenbergestraat 909620 Zottegem

Ground area

408 m²

Building footprint

87 m²

Volume, LiDAR

1 m³

Parcel 41023A0143/00L005, Flanders · tallest building 0.1 m. Linked by address, not a title deed.

1 establishment unit

Schepens Koeltechniek

Grotenbergestraat 90, 9620 ZottegemManufacture of electrical equipment

since 20242.359.489.267

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41023A0143/00L005	Flanders	408 m²	1 · 86 m²	0.1 m

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.

Similar companies · same sector, comparable size

Beveren-Kruibeke-Zwijndrecht · Eq €94k

Of 6,993 companies in sector 43221 we hold annual accounts for 3,445. 3,035 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded24-04-2024

Fiscal year end31-12

Activities, NACEBEL

43221Plumbing work

33140Repair and maintenance of electrical equipment

43211General electrical installation work

43222Installation of electric heating, air conditioning, cooling and ventilation

43990Other specialised construction activities

43999Specialised construction activities

77320Rental and leasing activities

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.