SCHEPERS
ActiveSCHEPERS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €52k and a net result of €-3k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 25% of 1693 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
20
/ 100
Critical▼ -24 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-20
Solvency17▼-2
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.15 against 0.14 in 2023), and 78.9% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
21.1%
Return on assets
-1%
Age of the figures
20 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 1693 sector peers (2024).
NBB · sector comparisonPosition among 1693 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
31 d late
2022
68 d late
2021
22 d late
2020
27 d late
2019
78 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€52k▼ 4.7%
2023 · €54k
2018: €65k
2019: €56k
2020: €11k
2021: €53k
2022: €52k
2023: €54k
2018 → 2024
Total assets
€246k▼ 0.8%
2023 · €248k
2018: €377k
2019: €325k
2020: €285k
2021: €272k
2022: €265k
2023: €248k
2018 → 2024
Net result
€-3k
2023 · €2k
2018: €4k
2019: €-9k
2020: €-45k
2021: €42k
2022: €-815
2023: €2k
2018 → 2024
Working capital
€-164k▲ 0.9%
2023 · €-166k
2018: €-282k
2019: €-242k
2020: €-258k
2021: €-186k
2022: €-176k
2023: €-166k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€11k-€53k▲ 380%€52k▼ 1.5%€54k▲ 4.2%€52k▼ 4.7%
Operating result€-45k-€42k€-711€2k€-2k
Net result€-45k-€42k€-815€2k€-3k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €2k after €2k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €246k
Fixed assets
€216k▼ 1.8%
Current assets
€29k▲ 7.4%
Equity and liabilities €246k
Equity
€52k▼ 4.7%
Debt
€194k▲ 0.3%
The debt ratio rises from 78.0% to 78.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€7k▼
2023 · €10k
Cash flow
€7k▼
2023 · €10k
Solvency
21.1%▼
2023 · 22.0%
Current ratio
0.15▲
2023 · 0.14
Quick ratio
0.15▲
2023 · 0.14
Debt / equity
3.73▲
2023 · 3.55
ROE
-4.9%▼
2023 · 4.0%
ROA
-1.0%▼
2023 · 0.9%
Interest coverage
40.08▼
2023 · 55.81
Debt
€194k▲
2023 · €193k
Debt ≤ 1 year
€194k▲
2023 · €193k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€248k€246k▼
Fixed assets21/28€220k€216k▼
Tangible fixed assets22/27€208k€204k▼
Land and buildings22€208k€201k▼
Furniture and vehicles24-€4k
Financial fixed assets28€12k€12k=
Current assets29/58€27k€29k▲
Amounts receivable within one year40/41€18k€14k▼
Trade receivables40€18k€14k▼
Other amounts receivable41€351€352▲
Cash at bank and in hand54/58€9k€15k▲
Equity and liabilities
Total equity and liabilities10/49€248k€246k▼
Equity10/15€54k€52k▼
Contributions10/11€548k€548k=
Capital10€548k€548k=
Issued capital100€548k€548k=
Profit (loss) carried forward14€-494k€-496k▼
Amounts payable17/49€193k€194k▲
Amounts payable within one year42/48€193k€194k▲
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Other amounts payable47/48€187k€189k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲
Other operating charges640/8-€583
Gross operating margin9900€10k€8k▼
Operating profit (loss)9901€2k€-2k▼
Financial charges65/66B€186€186=
Recurring financial charges65€186€186=
Profit (loss) for the period before taxes9903€2k€-3k▼
Profit (loss) for the period9904€2k€-3k▼
Profit (loss) for the period to be appropriated9905€2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-494k€-496k▼
Profit (loss) brought forward from the previous period14P€-496k€-494k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 68 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 22 days late
2021
31-12
Financial
Back to profitnet €42k
Net result €42k after 2 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €-45k
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
17-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 78 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 66 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Linter · 1 establishment unit since 2010
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.
Grote Steenweg(DRL) 2853350 LinterGround area
394 m²
Building footprint
394 m²
Volume, LiDAR
2,359 m³
Parcel 24022D0054/00R002, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Grote Steenweg(DRL) 285, 3350 Linter
since 20102.198.177.376
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24022D0054/00R002 | Flanders | 394 m² | 1 · 393 m² | 11.0 m · 2 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.
Similar companies · same sector, comparable size
NOUVELLES CONTREES
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BENATS
BE 0878.554.338
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GO-PACK
BE 0845.413.002
Tongeren-Borgloon · Eq €52k
HASPENGOUWS KLEINFRUIT
BE 0860.339.322
Gingelom · Eq €53k
JONA
BE 0875.479.438
Herk-de-Stad · Eq €54k
Of 1,344 companies in sector 01240 we hold annual accounts for 320. 194 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-06-2010
Fiscal year end31-12
Activities, NACEBEL
01240Growing of pome and stone fruits
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.