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SCHICK

Active
Limited partnershipfounded 20187 yrs activeAvenue Belle Vue 2 A, 1410 Waterloo, BelgiumKBO/BCE: BE 0711.851.524
Summary

SCHICK has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50,189 and a net result of €215,916. Its solvency ranks better than 19% of 9294 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes
Profitability79
Solvency27
Growth-
Track record85
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity short (current ratio 0.23; short-term debt: 23.7% and cash: 3.4% of total assets), and 98.1% of the assets are financed with debt.
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Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 7 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
1.9%
Return on assets
8.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 9294 sector peers (2025).
NBB · sector comparison
Position among 9294 sector peers
Solvency
better than 19%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 1 filing
Deviation from the deadline
2025
25 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 18 October 2018, SCHICK was incorporated.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€50,189
Total assets
€2.6m
Net result
€215,916
Working capital
-€478,067

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition
Assets €2.6m
Fixed assets €2.5m
Current assets €140,066
Equity and liabilities €2.6m
Equity €50,189
Debt €2.6m
Debt finances 98.1% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€422,784
Cash flow
€292,078
Current ratio
0.23
Debt to equity
51.02
ROE
430.2%
ROA
8.3%
Interest coverage
7.99
Debt ≤ 1 year
€618,133
Debt > 1 year
€1.9m
Income taxes
€77,779

Peer companies

Historical observation

Of the 875 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 97% are still going.

  • Small
  • 5 to 10 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
1.1% went bankrupt
1.9% stopped otherwise
97% 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 0.2% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.6%
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 74% 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 875 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
Filed annual accounts As filed with the NBB · 2025 · 46 lines
Balance sheet Code2025
Assets
Total assets20/58€2.6m
Fixed assets21/28€2.5m
Tangible fixed assets22/27€1.5m
Plant, machinery and equipment23€1,812
Furniture and vehicles24€26,608
Leasing and similar rights25€1.4m
Other tangible fixed assets26€1,751
Financial fixed assets28€1.0m
Current assets29/58€140,066
Amounts receivable within one year40/41€48,361
Trade receivables40€29,482
Other amounts receivable41€18,879
Cash at bank and in hand54/58€88,555
Deferred charges and accrued income490/1€3,149
Equity and liabilities
Total equity and liabilities10/49€2.6m
Equity10/15€50,189
Contributions10/11€250
Outside capital11€250
Other1109/19€250
Reserves13€46,716
Distributable reserves133€46,716
Profit (loss) carried forward14€3,223
Amounts payable17/49€2.6m
Amounts payable after more than one year17€1.9m
Financial debts170/4€1.9m
Amounts payable within one year42/48€618,133
Current portion of amounts payable after more than one year42€92,193
Trade debts44€8,090
Suppliers440/4€8,090
Taxes, remuneration and social security45€135,350
Taxes450/3€135,350
Other amounts payable47/48€382,500
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76,162
Other operating charges640/8€8,991
Gross operating margin9900€431,776
Operating profit (loss)9901€346,622
Financial charges65/66B€52,927
Recurring financial charges65€52,927
Profit (loss) for the period before taxes9903€293,695
Income taxes67/77€77,779
Profit (loss) for the period9904€215,916
Profit (loss) for the period to be appropriated9905€215,916
Appropriation of the result
Profit (loss) to be appropriated9906€453,223
Profit (loss) brought forward from the previous period14P€237,307
Profit to be distributed694/7€450,000
Return on contributions (dividend)694€450,000

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76,162
Other operating charges640/8€8,991
Gross operating margin9900€431,776
Operating profit (loss)9901€346,622
Financial charges65/66B€52,927
Recurring financial charges65€52,927
Profit (loss) for the period before taxes9903€293,695
Income taxes67/77€77,779
Profit (loss) for the period9904€215,916
Profit (loss) for the period to be appropriated9905€215,916
Line2025
Assets
Total assets20/58€2.6m
Fixed assets21/28€2.5m
Tangible fixed assets22/27€1.5m
Plant, machinery and equipment23€1,812
Furniture and vehicles24€26,608
Leasing and similar rights25€1.4m
Other tangible fixed assets26€1,751
Financial fixed assets28€1.0m
Current assets29/58€140,066
Amounts receivable within one year40/41€48,361
Trade receivables40€29,482
Other amounts receivable41€18,879
Cash at bank and in hand54/58€88,555
Deferred charges and accrued income490/1€3,149
Equity and liabilities
Total equity and liabilities10/49€2.6m
Equity10/15€50,189
Contributions10/11€250
Outside capital11€250
Other1109/19€250
Reserves13€46,716
Distributable reserves133€46,716
Profit (loss) carried forward14€3,223
Amounts payable17/49€2.6m
Amounts payable after more than one year17€1.9m
Financial debts170/4€1.9m
Amounts payable within one year42/48€618,133
Current portion of amounts payable after more than one year42€92,193
Trade debts44€8,090
Suppliers440/4€8,090
Taxes, remuneration and social security45€135,350
Taxes450/3€135,350
Other amounts payable47/48€382,500
Line2025
Profit (loss) for the period9904€215,916
+ Depreciation and write-downs630€76,162
Operating cash flow (approximation)€292,078

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
25-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 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
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, Waterloo · 1 establishment unit since 2018
seat establishment The establishment unit on the map
Ground area
1,495 m²
Building footprint
312 m²
Volume, LiDAR
1,744 m³
2 parcels, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SCHICK
Chemin du Bon Dieu de Gibloux 41, 1410 WaterlooReal estate activities
since 20182.285.115.805
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25763K0199/00A000 Wallonia 839 m² 1 · 137 m² 10.3 m · 3 fl.
25110B0194/00Y000 Wallonia 655 m² 1 · 175 m² 4.6 m · 1 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

Of 11,756 companies in sector 68310 we hold annual accounts for 6,907. 4,860 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formLimited partnership
Founded18-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
70200Business and other management consultancy
73300Public relations and communication consultancy
Contact
E-mail schippersmarick@gmail.com
Phone +32474792470
E-invoicing
Reachable via Peppol
Peppol ID 0208:0711851524
Also 9925:BE0711851524
Registered 20-02-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.