SCHIEPERS
ActiveThe computed 12-month bankruptcy probability of SCHIEPERS is 1.8% (moderate). The 2025 annual accounts show equity of €150k and a net result of €47k. Equity is growing by ~33.3% per year across the filed fiscal years. Its solvency ranks better than 92% of 7415 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+35
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 6.99 against 9.75 in 2024; short-term debt: 13.8% and cash: 42.6% of total assets), and 13.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 2025Solvency, return and age of the figures
Solvency
86.2%
Return on assets
27%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-11-2025, 72 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
72 d early
2024
46 d early
2023
7 d early
2022
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€150k▲ 45.7%
2024 · €103k
2022: €60k
2023: €106k
2024: €103k
2022 → 2025
Total assets
€174k▲ 50.5%
2024 · €116k
2022: €106k
2023: €136k
2024: €116k
2022 → 2025
Net result
€47k
2024 · €-3k
2022: €55k
2023: €46k
2024: €-3k
2022 → 2025
Working capital
€144k▲ 49.5%
2024 · €96k
2022: €52k
2023: €93k
2024: €96k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€60k-€106k▲ 76.7%€103k▼ 3.0%€150k▲ 45.7%
Operating result€70k-€58k▼ 17.1%€-3k€63k
Net result€55k-€46k▼ 16.3%€-3k€47k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €63k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €174k
Fixed assets
€6k▼ 26.9%
Current assets
€168k▲ 56.6%
Equity and liabilities €174k
Equity
€150k▲ 45.7%
Debt
€24k▲ 89.0%
The debt ratio rises from 11.0% to 13.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€65k▲
2024 · €9k
Cash flow
€49k▲
2024 · €9k
Solvency
86.2%▼
2024 · 89.0%
Current ratio
6.99▼
2024 · 9.75
Quick ratio
6.99▼
2024 · 9.75
Debt / equity
0.16▲
2024 · 0.12
ROE
31.4%▲
2024 · -3.1%
ROA
27.0%▲
2024 · -2.7%
Interest coverage
97.45▲
2024 · 17.45
Debt
€24k▲
2024 · €13k
Debt ≤ 1 year
€24k▲
2024 · €11k
Income taxes
€17k
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€116k€174k▲
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€8k€6k▼
Plant, machinery and equipment23€8k€6k▼
Financial fixed assets28€100€100=
Current assets29/58€107k€168k▲
Amounts receivable within one year40/41€707€10k▲
Trade receivables40-€10k
Other amounts receivable41€707€400▼
Current investments50/53€70k€83k▲
Cash at bank and in hand54/58€36k€74k▲
Deferred charges and accrued income490/1€126€129▲
Equity and liabilities
Total equity and liabilities10/49€116k€174k▲
Equity10/15€103k€150k▲
Contributions10/11€5k€5k=
Reserves13€98k€145k▲
Distributable reserves133€98k€145k▲
Amounts payable17/49€13k€24k▲
Amounts payable within one year42/48€11k€24k▲
Current portion of amounts payable after more than one year42€4k-
Trade debts44€3k€812▼
Suppliers440/4€3k€812▼
Taxes, remuneration and social security45-€20k
Taxes450/3-€20k
Other amounts payable47/48€4k€4k▼
Accrued charges and deferred income492/3€2k€90▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€2k▼
Other operating charges640/8€1k€526▼
Gross operating margin9900€10k€66k▲
Operating profit (loss)9901€-3k€63k▲
Financial income75/76B€162€2k▲
Recurring financial income75€162€2k▲
Financial charges65/66B€508€667▲
Recurring financial charges65€508€667▲
Profit (loss) for the period before taxes9903€-3k€64k▲
Income taxes67/77-€17k
Profit (loss) for the period9904€-3k€47k▲
Profit (loss) for the period to be appropriated9905€-3k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€47k▲
Transfer from equity791/2€3k-
Transfer to equity691/2-€47k
To other reserves6921-€47k
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
Next filing, fiscal year 2026, expected by
2025
20-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Back to profitnet €47k
Net result €47k after one loss-making year.
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €-3k ▼107%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 9.75
Current ratio from 4.82 to 9.75; short-term debt falls from €24k to €11k.
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €100kEq €106k ▲76.7%
2 profitable years in a row build equity to €106k.
2022
13-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Maaseik · 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.
Venlosesteenweg 1043680 MaaseikGround area
3,991 m²
Building footprint
374 m²
Volume, LiDAR
1,239 m³
Parcel 72021A2049/00C000, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SCHIEPERS
since 20212.318.196.070
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72021A2049/00C000 | Flanders | 3,991 m² | 1 · 374 m² | 6.3 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.
Similar companies · same sector, comparable size
AdviesA
BE 0670.952.958
Ieper · Eq €150k
GREBECO
BE 0769.477.937
Zonnebeke · Eq €150k
Bouw-Art
BE 0521.959.077
Beveren-Kruibeke-Zwijndrecht · Eq €151k
R.M.H. MULTICONSTRUCT
BE 0673.560.674
Schaarbeek · Eq €151k
ENTREPRISES FRANCOIS POLIS - STRAMING
BE 0411.960.483
Fléron · Eq €148k
Of 2,452 companies in sector 41003 we hold annual accounts for 1,055. 738 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2021
Fiscal year end30-06
Activities, NACEBEL
41003General construction of other non-residential buildings
41001General construction of residential buildings
91042Libraries, archives, museums and other cultural activities
91420Libraries, archives, museums and other cultural activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.