SCHEPENS-VAN HESSCHE
ActiveSCHEPENS-VAN HESSCHE has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €5k. Equity is shrinking by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-4
Solvency87▲+3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 2.09 in 2024; short-term debt: 29.7% and cash: 26% of total assets), and 37.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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 →
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
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
62.1%
Return on assets
4.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €72k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
61 d late
2022
30 d late
2021
29 d late
2020
27 d late
2019
60 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€72k▲ 5.1%
2024 · €69k
2018: €98k
2019: €97k
2020: €69k
2021: €73k
2022: €59k
2023: €62k
2024: €69k
2018 → 2025
Total assets
€116k▼ 0.7%
2024 · €117k
2018: €221k
2019: €165k
2020: €118k
2021: €97k
2022: €85k
2023: €92k
2024: €117k
2018 → 2025
Net result
€5k▼ 41.6%
2024 · €9k
2018: €18k
2019: €-931
2020: €15k
2021: €18k
2022: €934
2023: €5k
2024: €9k
2018 → 2025
Working capital
€41k▲ 10.8%
2024 · €37k
2018: €42k
2019: €70k
2020: €34k
2021: €48k
2022: €41k
2023: €47k
2024: €37k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€59k▼ 19.4%€62k▲ 5.2%€69k▲ 11.5%€72k▲ 5.1%
Operating result€26k-€1k▼ 95.0%€8k▲ 512%€14k▲ 75.9%€6k▼ 55.0%
Net result€18k-€934▼ 94.9%€5k▲ 403%€9k▲ 87.2%€5k▼ 41.6%
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 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€41k▼ 11.8%
Current assets
€75k▲ 6.5%
Equity and liabilities €116k
Equity
€72k▲ 5.1%
Debt
€44k▼ 9.0%
The debt ratio falls from 41.4% to 37.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▼
2024 · €20k
Cash flow
€18k▲
2024 · €14k
Solvency
62.1%▲
2024 · 58.6%
Current ratio
2.18▲
2024 · 2.09
Quick ratio
2.05▲
2024 · 1.96
Debt / equity
0.61▼
2024 · 0.71
ROE
7.1%▼
2024 · 12.8%
ROA
4.4%▼
2024 · 7.5%
Interest coverage
7.72▼
2024 · 8.02
Debt
€44k▼
2024 · €48k
Debt ≤ 1 year
€35k▲
2024 · €34k
Debt > 1 year
€10k▼
2024 · €14k
Income taxes
€2k▼
2024 · €4k
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€117k€116k▼
Fixed assets21/28€46k€41k▼
Tangible fixed assets22/27€46k€41k▼
Land and buildings22€11k€8k▼
Plant, machinery and equipment23€794€398▼
Furniture and vehicles24€34k€25k▼
Other tangible fixed assets26€611€7k▲
Current assets29/58€71k€75k▲
Stocks and contracts in progress3€4k€5k▲
Stocks30/36€4k€5k▲
Contracts in progress37€0-
Amounts receivable within one year40/41€44k€41k▼
Trade receivables40€33k€36k▲
Other amounts receivable41€11k€4k▼
Cash at bank and in hand54/58€23k€30k▲
Equity and liabilities
Total equity and liabilities10/49€117k€116k▼
Equity10/15€69k€72k▲
Contributions10/11€4k€4k=
Reserves13€65k€68k▲
Distributable reserves133€65k€68k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€48k€44k▼
Amounts payable after more than one year17€14k€10k▼
Financial debts170/4€14k€10k▼
Amounts payable within one year42/48€34k€35k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€282€806▲
Suppliers440/4€282€806▲
Other amounts payable47/48€29k€29k▼
Income statement
Code20242025
Non-recurring operating income76A€9k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€12k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€24k€21k▼
Operating profit (loss)9901€14k€6k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€13k€7k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€9k€5k▼
Profit (loss) for the period to be appropriated9905€9k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€5k▼
Transfer to equity691/2€7k€3k▼
To other reserves6921€7k€3k▼
Profit to be distributed694/7€2k€2k▼
Return on contributions (dividend)694€2k€2k▼
The notes to these accounts (15 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Weakest financial yearnet €-931 ▼105%
Net result drops to €-931, the lowest in the series; recovery starts the following year.
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Oudenaarde · 1 establishment unit since 1992
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.
Oudstrijdersstraat 349700 OudenaardeGround area
1,689 m²
Building footprint
355 m²
Volume, LiDAR
1,862 m³
2 parcels, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schepens-Van Hessche
since 19922.058.668.117
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45503A0428/00E002 | Flanders | 1,287 m² | 1 · 191 m² | 5.7 m · 1 fl. |
| 45503A0443/02E000 | Flanders | 402 m² | 1 · 164 m² | 11.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,794 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-08-1992
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
45220
43221Plumbing work
43410Roofing work
45332
74700
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.