Schepers Jan
ActiveSummary
Schepers Jan has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19,515 and a net result of €21. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 49% of 28254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability42▼-29
Solvency71▼-7
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 1.85 against 2.11 in 2024; short-term debt: 53.8% and cash: 24.2% of total assets), but 53.8% of the assets are financed with debt.
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Signals
Four 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
46.2%
Return on assets
0.1%
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 31-08-2026, 31 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
31 d late
2024
48 d early
2023
19 d late
2022
57 d late
2021
75 d late
2020
39 d early
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€19,515▲ 0.1%
2024 · €19,494
Total assets
€42,260▲ 15.4%
2024 · €36,612
Net result
€21▼ 97.2%
2024 · €766
Working capital
€19,259▲ 1.7%
2024 · €18,928
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,298▲ 47.7%€2,685▼ 73.9%€1,862▼ 30.6%€1,342▼ 27.9%€726▼ 45.9%
Net result€8,745within the sector's middle half▲ 85.9%€1,615within the sector's middle half▼ 81.5%€738within the sector's middle half▼ 54.3%€766within the sector's middle half▲ 3.8%€21below the sector's middle half▼ 97.2%
Equity€16,376below the sector's middle half▲ 115%€17,990below the sector's middle half▲ 9.9%€18,728below the sector's middle half▲ 4.1%€19,494below the sector's middle half▲ 4.1%€19,515below the sector's middle half▲ 0.1%
Total assets€68,073within the sector's middle half▼ 1.0%€58,134below the sector's middle half▼ 14.6%€40,698below the sector's middle half▼ 30.0%€36,612below the sector's middle half▼ 10.0%€42,260below the sector's middle half▲ 15.4%
Debt€51,697▼ 15.4%€40,143▼ 22.3%€21,970▼ 45.3%€17,118▼ 22.1%€22,745▲ 32.9%
Working capital€9,224within the sector's middle half€16,376within the sector's middle half▲ 77.5%€16,060within the sector's middle half▼ 1.9%€18,928within the sector's middle half▲ 17.9%€19,259within the sector's middle half▲ 1.7%
Solvency24.1%within the sector's middle half▲ 13.0pp30.9%within the sector's middle half▲ 6.9pp46.0%within the sector's middle half▲ 15.1pp53.2%within the sector's middle half▲ 7.2pp46.2%within the sector's middle half▼ 7.1pp
Current ratio1.18within the sector's middle half▲ 0.221.41within the sector's middle half▲ 0.231.73within the sector's middle half▲ 0.322.11within the sector's middle half▲ 0.371.85within the sector's middle half▼ 0.26
Return on assets (ROA)12.8%within the sector's middle half▲ 6.0pp2.8%within the sector's middle half▼ 10.1pp1.8%within the sector's middle half▼ 1.0pp2.1%within the sector's middle half▲ 0.3pp0.1%below the sector's middle half▼ 2.0pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
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 four years in a row; 2025 is 46% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €42,260
Fixed assets
€256 ▼ 54.8%
Current assets
€42,004 ▲ 16.5%
Equity and liabilities €42,260
Equity
€19,515 ▲ 0.1%
Debt
€22,745 ▲ 32.9%
Debt's share of the balance-sheet total rises from 46.8% to 53.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1,036▼
2024 · €3,444
Cash flow
€331▼
2024 · €2,868
Quick ratio
1.59▼
2024 · 1.61
Debt to equity
1.17▲
2024 · 0.88
ROE
0.1%▼
2024 · 3.9%
Interest coverage
2.72▼
2024 · 10.78
Debt ≤ 1 year
€22,745▲
2024 · €17,118
Income taxes
€325▼
2024 · €332
Staff costs
€241▼
2024 · €249
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,027 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,027 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | -€851 | - | - | €249 | €241 | ▼ 3.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,291 | €621 | €2,187 | €2,102 | €310 | ▼ 85.3% |
| Other operating charges640/8 | €4,115 | €3,367 | €2,523 | €1,015 | €954 | ▼ 6.0% |
| Non-recurring operating charges66A | - | - | - | €1,000 | - | - |
| Gross operating margin9900 | €32,852 | €6,672 | €6,573 | €5,708 | €2,231 | ▼ 60.9% |
| Operating profit (loss)9901 | €10,298 | €2,685 | €1,862 | €1,342 | €726 | ▼ 45.9% |
| Financial income75/76B | €19 | €106 | €3 | €76 | €1 | ▼ 98.9% |
| Recurring financial income75 | €19 | €106 | €3 | €76 | €1 | ▼ 98.9% |
| Financial charges65/66B | €951 | €535 | €518 | €320 | €380 | ▲ 19.1% |
| Recurring financial charges65 | €951 | €535 | €518 | €320 | €380 | ▲ 19.1% |
| Profit (loss) for the period before taxes9903 | €9,366 | €2,256 | €1,347 | €1,098 | €347 | ▼ 68.4% |
| Income taxes67/77 | €621 | €641 | €609 | €332 | €325 | ▼ 2.0% |
| Profit (loss) for the period9904 | €8,745 | €1,615 | €738 | €766 | €21 | ▼ 97.2% |
| Profit (loss) for the period to be appropriated9905 | €8,745 | €1,615 | €738 | €766 | €21 | ▼ 97.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €68,073 | €58,134 | €40,698 | €36,612 | €42,260 | ▲ 15.4% |
| Fixed assets21/28 | €8,290 | €1,614 | €2,668 | €566 | €256 | ▼ 54.8% |
| Tangible fixed assets22/27 | €8,290 | €1,614 | €2,668 | €566 | €256 | ▼ 54.8% |
| Plant, machinery and equipment23 | €2,891 | €1,614 | €870 | €388 | €256 | ▼ 34.0% |
| Furniture and vehicles24 | - | - | €1,798 | €178 | - | - |
| Other tangible fixed assets26 | €5,400 | - | - | - | - | - |
| Current assets29/58 | €59,783 | €56,519 | €38,030 | €36,047 | €42,004 | ▲ 16.5% |
| Stocks and contracts in progress3 | €23,125 | €17,760 | €1,081 | €8,413 | €5,896 | ▼ 29.9% |
| Stocks30/36 | €23,125 | €17,760 | €1,081 | €6,913 | - | - |
| Contracts in progress37 | - | - | - | €1,500 | €5,896 | ▲ 293% |
| Amounts receivable within one year40/41 | €33,761 | €24,920 | €30,030 | €24,036 | €22,532 | ▼ 6.3% |
| Trade receivables40 | €32,086 | €15,301 | €20,804 | €16,453 | €22,003 | ▲ 33.7% |
| Other amounts receivable41 | €1,675 | €9,619 | €9,226 | €7,584 | €528 | ▼ 93.0% |
| Cash at bank and in hand54/58 | - | €12,695 | €3,769 | €369 | €10,228 | ▲ 2,675% |
| Deferred charges and accrued income490/1 | €2,897 | €1,144 | €3,149 | €3,229 | €3,348 | ▲ 3.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €68,073 | €58,134 | €40,698 | €36,612 | €42,260 | ▲ 15.4% |
| Equity10/15 | €16,376 | €17,990 | €18,728 | €19,494 | €19,515 | ▲ 0.1% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €27,983 | €27,983 | €27,983 | €27,983 | €27,983 | = |
| Non-distributable reserves130/1 | €1,859 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,859 | - | - | - | - | - |
| Distributable reserves133 | €26,124 | €27,983 | €27,983 | €27,983 | €27,983 | = |
| Profit (loss) carried forward14 | -€24,007 | -€22,392 | -€21,655 | -€20,889 | -€20,868 | ▲ 0.1% |
| Amounts payable17/49 | €51,697 | €40,143 | €21,970 | €17,118 | €22,745 | ▲ 32.9% |
| Amounts payable after more than one year17 | €1,139 | - | - | - | - | - |
| Financial debts170/4 | €1,139 | - | - | - | - | - |
| Amounts payable within one year42/48 | €50,558 | €40,143 | €21,970 | €17,118 | €22,745 | ▲ 32.9% |
| Current portion of amounts payable after more than one year42 | €13,536 | €1,139 | - | - | - | - |
| Financial debts43 | €1,032 | - | - | - | - | - |
| Credit institutions430/8 | €1,032 | - | - | - | - | - |
| Trade debts44 | €21,711 | €21,673 | €5,166 | €6,926 | €17,033 | ▲ 146% |
| Suppliers440/4 | €21,711 | €21,673 | €5,166 | €6,926 | €17,033 | ▲ 146% |
| Taxes, remuneration and social security45 | €2,200 | €2,500 | €3,527 | €2,200 | €2,200 | = |
| Taxes450/3 | - | - | €1,327 | - | - | - |
| Remuneration and social security454/9 | €2,200 | €2,500 | €2,200 | €2,200 | €2,200 | = |
| Other amounts payable47/48 | €12,080 | €14,831 | €13,277 | €7,992 | €3,512 | ▼ 56.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,745 | €1,615 | €738 | €766 | €21 | ▼ 97.2% |
| + Depreciation and write-downs630 | €19,291 | €621 | €2,187 | €2,102 | €310 | ▼ 85.3% |
| Operating cash flow (approximation) | €28,036 | €2,235 | €2,925 | €2,868 | €331 | ▼ 88.5% |
| Investment in fixed assets (approximation) | - | €6,055 | -€3,241 | €0 | €0 | - |
| Change in cash | - | - | -€8,926 | -€3,401 | €9,860 | ▲ 390% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
31-12
Financial
Highest result since 2018net €8,745 ▲85.9%
Operating result €10,298, net result €8,745, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €4,705
Net result €4,705 after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet -€34,506
Net result drops to -€34,506, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Tienen · 1 establishment unit since 1999
Ground area
3,780 m²
Building footprint
351 m²
Volume, LiDAR
2,123 m³
2 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hoeledensebaan 98, 3471 Kortenaken
since 19992.091.369.884
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24042C0400/00X000 | Flanders | 2,791 m² | 1 · 167 m² | 8.5 m · 2 fl. |
| 24081A0231/00R000 | Flanders | 989 m² | 1 · 185 m² | 10.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
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TEGELWERKEN LOGGHE
BE 1007.048.555
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Of 3,960 companies in sector 43331 we hold annual accounts for 1,788. 1,344 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-03-1999
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
43990Other specialised construction activities
47521Retail sale of hardware, building materials, paint and glass (general range)
47750Retail sale of cosmetics and toilet articles
96220Beauty care and other beauty treatments
E-invoicing
Reachable via Peppol
Peppol ID
0208:0465685320
Also
9925:BE0465685320
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.