SCHEPERS - VANDERSTEEN
ActiveSCHEPERS - VANDERSTEEN has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €45k and a net result of €8k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 1696 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▼-2
Solvency56▼-9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.65 in 2023; short-term debt: 69.3% and cash: 19.6% of total assets), and 69.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
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 · 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
30.7%
Return on assets
5.1%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-07-2025, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
23 d early
2023
8 d early
2022
32 d early
2021
10 d late
2020
30 d late
2019
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€45k▲ 20.1%
2023 · €38k
2018: €24k
2019: €24k
2020: €29k
2021: €30k
2022: €32k
2023: €38k
2018 → 2024
Total assets
€147k▲ 56.3%
2023 · €94k
2018: €70k
2019: €71k
2020: €55k
2021: €109k
2022: €102k
2023: €94k
2018 → 2024
Net result
€8k▲ 27.7%
2023 · €6k
2018: €15k
2019: €175
2020: €4k
2021: €1k
2022: €2k
2023: €6k
2018 → 2024
Working capital
€45k▲ 21.7%
2023 · €37k
2018: €-29k
2019: €-13k
2020: €26k
2021: €29k
2022: €31k
2023: €37k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€29k-€30k▲ 4.7%€32k▲ 5.3%€38k▲ 18.7%€45k▲ 20.1%
Operating result€6k-€2k▼ 66.2%€2k▲ 17.7%€8k▲ 242%€10k▲ 24.6%
Net result€4k-€1k▼ 68.8%€2k▲ 19.3%€6k▲ 268%€8k▲ 27.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 25% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €147k
Fixed assets
€3▼ 99.5%
Current assets
€147k▲ 57.1%
Equity and liabilities €147k
Equity
€45k▲ 20.1%
Debt
€102k▲ 80.3%
The debt ratio rises from 60.1% to 69.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▲
2023 · €9k
Cash flow
€8k▲
2023 · €6k
Solvency
30.7%▼
2023 · 39.9%
Current ratio
1.44▼
2023 · 1.65
Quick ratio
1.44▼
2023 · 1.47
Debt / equity
2.26▲
2023 · 1.51
ROE
16.7%▲
2023 · 15.7%
ROA
5.1%▼
2023 · 6.3%
Interest coverage
31.76▲
2023 · 30.94
Debt
€102k▲
2023 · €57k
Debt ≤ 1 year
€102k▲
2023 · €57k
Income taxes
€3k▲
2023 · €2k
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€94k€147k▲
Fixed assets21/28€504€3▼
Tangible fixed assets22/27€504€3▼
Plant, machinery and equipment23€504€3▼
Current assets29/58€94k€147k▲
Stocks and contracts in progress3€10k€0▼
Stocks30/36€10k€0▼
Amounts receivable within one year40/41€76k€98k▲
Trade receivables40€72k€83k▲
Other amounts receivable41€3k€16k▲
Cash at bank and in hand54/58€8k€29k▲
Deferred charges and accrued income490/1€316€20k▲
Equity and liabilities
Total equity and liabilities10/49€94k€147k▲
Equity10/15€38k€45k▲
Contributions10/11€19k€19k=
Reserves13€19k€27k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€17k€25k▲
Amounts payable17/49€57k€102k▲
Amounts payable within one year42/48€57k€102k▲
Trade debts44€41k€88k▲
Suppliers440/4€41k€88k▲
Taxes, remuneration and social security45€2k€0▼
Taxes450/3€2k€0▼
Other amounts payable47/48€14k€14k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€502€502=
Other operating charges640/8€469€472▲
Gross operating margin9900€9k€11k▲
Operating profit (loss)9901€8k€10k▲
Financial charges65/66B€287€344▲
Recurring financial charges65€287€344▲
Profit (loss) for the period before taxes9903€8k€10k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€6k€8k▲
Profit (loss) for the period to be appropriated9905€6k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€8k▲
Transfer to equity691/2€6k€8k▲
To other reserves6921€6k€8k▲
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
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 10 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 2.02
Current ratio from 0.73 to 2.02; short-term debt falls from €47k to €26k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €175 ▼98.9%
Net result drops to €175, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
28-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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 2008
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.
Kruisbeemdstraat(Hak) 213300 TienenGround area
363 m²
Building footprint
125 m²
Volume, LiDAR
838 m³
Parcel 24035A0260/00V000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kruisbeemdstraat(Hak) 21, 3300 Tienen
since 20082.247.345.191
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24035A0260/00V000 | Flanders | 363 m² | 1 · 125 m² | 10.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 57,587 EUR awarded · 57,587 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 29,861 EUR | 29,861 EUR |
| 2024 | 1 | 26,258 EUR | 26,258 EUR |
| 2023 | 1 | 487 EUR | 487 EUR |
| 2022 | 1 | 981 EUR | 981 EUR |
Schemes
Brede weersverzekering
Recognitions · licences · registrations
Food safety, FASFC
1 siteTienen2.247.345.191
Similar companies · same sector, comparable size
Cow of Floret
BE 0683.713.210
Lierneux · Eq €45k
FERME VAESSEN
BE 1002.169.752
Nandrin · Eq €44k
LA MERVEILLE AGRICOLE
BE 1000.076.730
Florennes · Eq €47k
FERME DE SOLBECQ
BE 0455.495.865
Saint-Ghislain · Eq €44k
AGRIMOULIN
BE 0845.998.663
Gerpinnes · Eq €43k
Of 5,167 companies in sector 01110 we hold annual accounts for 612. 375 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-08-2008
Fiscal year end31-12
Activities, NACEBEL
01110Growing of cereals (except rice), leguminous crops and oil seeds
01461Pig breeding farms
01462Crop and animal production, hunting and related service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.