SCHEPERS CONSTRUCT
ActiveSCHEPERS CONSTRUCT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €7k. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 45% of 538 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency76▲+11
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 1.44 in 2024), but 62.9% 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
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
37.1%
Return on assets
7.9%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
1 d early
2022
4 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 13.8%
2024 · €29k
2022: €11k
2023: €30k
2024: €29k
2022 → 2025
Total assets
€89k▲ 7.8%
2024 · €83k
2022: €26k
2023: €49k
2024: €83k
2022 → 2025
Net result
€7k▼ 50.6%
2024 · €14k
2022: €9k
2023: €19k
2024: €14k
2022 → 2025
Working capital
€19k▼ 20.5%
2024 · €23k
2022: €6k
2023: €24k
2024: €23k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€11k-€30k▲ 167%€29k▼ 2.5%€33k▲ 13.8%
Operating result€12k-€24k▲ 107%€18k▼ 25.6%€8k▼ 56.5%
Net result€9k-€19k▲ 103%€14k▼ 23.9%€7k▼ 50.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 56% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€48k▲ 693%
Current assets
€41k▼ 46.1%
Equity and liabilities €89k
Equity
€33k▲ 13.8%
Debt
€56k▲ 4.6%
The debt ratio falls from 64.8% to 62.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€14k▼
2024 · €19k
Cash flow
€14k▼
2024 · €15k
Solvency
37.1%▲
2024 · 35.2%
Current ratio
1.82▲
2024 · 1.44
Quick ratio
1.72▲
2024 · 1.41
Debt / equity
1.70▼
2024 · 1.84
ROE
21.2%▼
2024 · 48.8%
ROA
7.9%▼
2024 · 17.2%
Interest coverage
13.14▼
2024 · 273.10
Debt
€56k▲
2024 · €54k
Debt ≤ 1 year
€23k▼
2024 · €53k
Debt > 1 year
€34k
Income taxes
€204▼
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€83k€89k▲
Fixed assets21/28€6k€48k▲
Tangible fixed assets22/27€6k€48k▲
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€346€909▲
Leasing and similar rights25-€42k
Current assets29/58€77k€41k▼
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€63k€30k▼
Trade receivables40€34k€22k▼
Other amounts receivable41€28k€8k▼
Cash at bank and in hand54/58€11k€8k▼
Deferred charges and accrued income490/1€886€577▼
Equity and liabilities
Total equity and liabilities10/49€83k€89k▲
Equity10/15€29k€33k▲
Contributions10/11€2k€2k=
Reserves13€27k€31k▲
Distributable reserves133€27k€31k▲
Amounts payable17/49€54k€56k▲
Amounts payable after more than one year17-€34k
Financial debts170/4-€34k
Amounts payable within one year42/48€53k€23k▼
Current portion of amounts payable after more than one year42-€9k
Trade debts44€35k€10k▼
Suppliers440/4€35k€10k▼
Taxes, remuneration and social security45€3k€872▼
Taxes450/3€3k€872▼
Other amounts payable47/48€15k€3k▼
Accrued charges and deferred income492/3€386-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€971€7k▲
Other operating charges640/8€848€968▲
Gross operating margin9900€20k€15k▼
Operating profit (loss)9901€18k€8k▼
Financial income75/76B€217€443▲
Recurring financial income75€217€443▲
Financial charges65/66B€70€1k▲
Recurring financial charges65€70€1k▲
Profit (loss) for the period before taxes9903€18k€7k▼
Income taxes67/77€4k€204▼
Profit (loss) for the period9904€14k€7k▼
Profit (loss) for the period to be appropriated9905€14k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€7k▼
Transfer from equity791/2€15k-
Transfer to equity691/2€14k€4k▼
To other reserves6921€14k€4k▼
Profit to be distributed694/7€15k€3k▼
Return on contributions (dividend)694€15k€3k▼
The notes to these accounts (7 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €7k ▼50.6%
Net result drops to €7k, the lowest in the series.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2022net €19k ▲103%
Operating result €24k, net result €19k, both a record.
04-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Aalter · 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.
Sparhoekdreef 529880 AalterGround area
728 m²
Building footprint
184 m²
Volume, LiDAR
497 m³
Parcel 44503F0829/00C003, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SCHEPERS CONSTRUCT
since 20212.318.127.180
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44503F0829/00C003 | Flanders | 728 m² | 1 · 184 m² | 8.4 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.
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SEEVENS
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Of 1,593 companies in sector 16230 we hold annual accounts for 776. 515 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-06-2021
Fiscal year end30-09
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress 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.
Contact details
1 entryE-mail:loughlin.schepers@outlook.be