Result
€46,982 €46,982
Back in profit in 2025, after a loss of €3,159 in 2024.
SCHIEPERS
Overview
Lifetime
4 annual accounts with figures on one time axispeak €79,512 (2022)
€65,548▲ 547%
lowest -€3,159 (2024)
€46,982▲ €50,141
peak €149,842 (2025)
€149,842▲ 45.7%
€24,086▲ 89.0%
Board1 name since 2021
1 directorSCHIEPERS Rudolf Hubertus Jozef
Documentsfilings and deeds
20-11-202572 days before the deadline
2025micro format
Gross margin from €10,124 to €65,548Back to profit: €46,982Equity from €102,859 to €149,842Debts from €12,742 to €24,086Cash from €36,287 to €74,168
Key points
from the 2025 annual accountsTurnover
≈ €340,000 estimated
The micro format states no turnover.
Position in the sector
86.2%
Higher solvency than 92% of companies in construction of buildings. Sector median 42.9% · 9,435 companies.
Checked score
89
Excellent
Financially stronger than 89% of micro companies in construction of buildings (NACE 41)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,459 companies (NACE 41, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.9%▲ +0.5 percentage points vs 12-2024highest value
02-2025: 0.6%▼ -0.3 percentage points vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.6%● unchanged vs 06-2025
08-2025: 0.6%● unchanged vs 07-2025
09-2025: 0.6%● unchanged vs 08-2025
10-2025: 0.7%▲ +0.1 percentage points vs 09-2025
11-2025: 0.8%▲ +0.1 percentage points vs 10-2025
12-2025: 0.3%▼ -0.5 percentage points vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026lowest value
10-2026: 0.4%▲ +0.1 percentage points vs 09-2026
11-2026: 0.4%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2021
lowers risk
Liquidity: current ratio 6.99, cash €74,168
Equity €149,842 (86.2% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 92% of them on solvency, 96% on liquidity, 91% on profitability and 78% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as SCHIEPERS has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SCHIEPERS itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for SCHIEPERS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €13,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.99 (9.75 in 2024), above the usual 1.5. Short-term debt is 13.8% and cash 42.6% of total assets. 13.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 days early
2024
46 days early
2023
7 days early
2022
49 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 44 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 15 December (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end08-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0769556725
Incorporation
Founding capital of €5,000, 100 shares · Founder: SCHIEPERS Rudolf Hubertus Jozef · Appointment: SCHIEPERS Rudolf Hubertus Jozef (director) · published on 14-06-2021 · Gazette deed
First establishment
Venlosesteenweg 104, Maaseik
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SCHIEPERS Maaseik | €173,928 | €65,548 | 86.2% | - |
| BOUWONDERNEMING VAN SLOOT Pelt | €164,974 | €79,675 | 3.1% | - |
| KVA CONSTRUCT Brussels | €149,848 | €53,725 | 80.7% | - |
| TOBIL Ghent | €207,032 | €68,491 | 51.7% | - |
| QQB Ixelles | €144,404 | €80,248 | 56.1% | - |
| SAH CONSTRUCT Anderlecht | €127,386 | €76,878 | 67.1% | - |
| JHP Bree | €275,522 | €56,879 | 89.7% | - |
These companies have the same main activity as SCHIEPERS: general construction of other non-residential buildings (NACE 41003). They are comparable in size and age: total assets between €127,000 and €276,000, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 10-06-2021Normal situation
- Activity
- General construction of other non-residential buildingsNACE 41003and 2 others
- Establishment unit
- 2.318.196.0703680 Maaseik, since 10-06-2021
- Financial year end
- 30 June
- Peppol
- Reachable since 05-01-2026
Annual accounts to 30-06-2025
- €65,548▲ 547%
- €46,982
- €149,842▲ 45.7%
- €173,928▲ 50.5%
- Filing
- Filed on 20-11-2025, 72 days before the end of the filing period
Insights on SCHIEPERS
SCHIEPERS files the micro format. That format states no turnover. The gross margin fell from €79,512 in 2022 to €65,548 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 20-11-2025, 72 days before the deadline€65,548
▲ 547%
€62,741
▲ €65,554
€46,982
▲ €50,141
€143,732
▲ 49.5%
86.2%
▼ 2.8 percentage points
6.99
▼ 2.76
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €340,000. Estimated: probably between €240,000 and €540,000.
Balance sheet
balance sheet total €173,928 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
86.2%
Higher than 93% of 9,435 companies in 2025.
6.99
Higher than 92% of 9,183 companies in 2025.
27.0%
Higher than 82% of 9,255 companies in 2025.
SCHIEPERS
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: top quarter · Equity: top quarter · Balance sheet total: middle half · Working capital: top quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
173,928 | 115,601 | 135,952 | 106,210 | |
21/28 |
6,199 | 8,481 | 18,084 | 19,470 | |
22/27 |
6,099 | 8,381 | 17,984 | 19,370 | |
23 |
6,099 | 8,381 | 10,861 | 5,104 | |
24 |
- | - | 7,123 | 14,266 | |
28 |
100 | 100 | 100 | 100 | |
29/58 |
167,729 | 107,121 | 117,868 | 86,740 | |
40/41 |
9,993 | 707 | 6,668 | 4,840 | |
40 |
9,593 | - | 6,104 | 4,666 | |
41 |
400 | 707 | 565 | 175 | |
50/53 |
83,439 | 70,000 | - | - | |
54/58 |
74,168 | 36,287 | 111,200 | 81,789 | |
490/1 |
129 | 126 | - | 111 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
173,928 | 115,601 | 135,952 | 106,210 | |
10/15 |
149,842 | 102,859 | 106,018 | 59,987 | |
10/11 |
5,000 | 5,000 | 5,000 | 5,000 | |
13 |
144,842 | 97,859 | 101,018 | 54,987 | |
133 |
144,842 | 97,859 | 101,018 | 54,987 | |
17/49 |
24,086 | 12,742 | 29,934 | 46,223 | |
17 |
- | - | 3,935 | 9,718 | |
170/4 |
- | - | 3,935 | 9,718 | |
42/48 |
23,996 | 10,982 | 24,429 | 35,235 | |
42 |
- | 3,914 | 5,762 | 5,643 | |
44 |
812 | 2,720 | 3,455 | 1,582 | |
440/4 |
812 | 2,720 | 3,455 | 1,582 | |
45 |
19,522 | - | 10,925 | 13,875 | |
450/3 |
19,522 | - | 10,925 | 13,875 | |
47/48 |
3,661 | 4,348 | 4,287 | 14,134 | |
492/3 |
90 | 1,760 | 1,570 | 1,270 | |
| Income statement | |||||
9900 |
65,548 | 10,124 | 68,756 | 79,512 | |
630 |
2,281 | 11,681 | 10,716 | 9,725 | |
640/8 |
526 | 1,256 | 354 | 239 | |
9901 |
62,741 | -2,813 | 57,686 | 69,549 | |
75/76B |
1,706 | 162 | 0 | 1 | |
75 |
1,706 | 162 | 0 | 1 | |
65/66B |
667 | 508 | 730 | 773 | |
65 |
667 | 508 | 730 | 773 | |
9903 |
63,780 | -3,159 | 56,956 | 68,777 | |
67/77 |
16,798 | - | 10,925 | 13,790 | |
9904 |
46,982 | -3,159 | 46,031 | 54,987 | |
9905 |
46,982 | -3,159 | 46,031 | 54,987 | |
| Appropriation of the result | |||||
9906 |
46,982 | -3,159 | 46,031 | 54,987 | |
791/2 |
- | 3,159 | - | - | |
691/2 |
46,982 | - | 46,031 | 54,987 | |
6920 |
- | - | 46,031 | - | |
6921 |
46,982 | - | - | 54,987 | |
| Document | |||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 20-11-2025.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 65,023 | 8,868 | 68,402 | 79,274 | ||
| 49,264 | 8,522 | 56,747 | 64,712 | ||
| 0 | 2,077 | 9,330 | 29,195 | ||
| 37,880 | -74,912 | 29,411 | - | ||
| 143,732 | 96,138 | 93,439 | 51,505 | ||
| 86.2% | 89.0% | 78.0% | 56.5% | ||
| 6.99 | 9.75 | 4.82 | 2.46 | ||
| 0.16 | 0.12 | 0.28 | 0.77 | ||
| 31.4% | -3.1% | 43.4% | 91.7% | ||
| 27.0% | -2.7% | 33.9% | 51.8% | ||
| 97.45 | 17.45 | 93.68 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-06-2025 | 30-06-2024 | 30-06-2023 | 30-06-2022 |
|---|---|---|---|---|
| Tangible fixed assets | - | €2,077 | €9,330 | €29,095 |
| Financial fixed assets | - | - | - | €100 |
| €2,281 | €11,681 | €10,716 | €9,725 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on SCHIEPERS
The operating result for 2025 is a profit of €62,741, after a loss of €2,813 in 2024. It is the highest result since 2022.
Debt's share of the balance-sheet total rises from 11.0% to 13.8%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 14-06-2021
term without a fixed end
listed in the 2025 annual accounts, filed on 20-11-2025
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 14-06-2021
Mandates through the years
1 name, the dashed line is todaySCHIEPERS Rudolf Hubertus Jozef
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- SCHIEPERS Rudolf Hubertus Jozef
- Director (not named in the articles), appointed by deed of 14-06-2021, still in office
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €1,498 in 2025
- Source
- deed of 14-06-2021
Articles of association
deed of 14-06-2021 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Wednesday of December at 19:00
Shareholders
At incorporation
deed of 14-06-2021 ↗
- SCHIEPERS Rudolf Hubertus Jozef 100 shares (100%) · €5,000
Network & group
No group
SCHIEPERS has no parent and no holdings in its annual accounts. SCHIEPERS Rudolf Hubertus Jozef is the only director. SCHIEPERS shares no director with another company.
Timeline
Timeline
11 events since 2021Filings
Financial
Establishments
202220242026
Deadline for the 2026 accounts: 31-01-2027
2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:0769556725
2025
Annual accounts 2025 filed PDFmicro format · 72 days before the deadline
Back to profit net €46,982 The net result is €46,982, after one loss-making year.
2024
Annual accounts 2024 filed PDFmicro format · 46 days before the deadline
Weakest financial year net -€3,159 The net result drops to -€3,159, the lowest from 2022 to 2025. It recovers the following year.
Liquidity doubles current ratio 9.75 The current ratio rises from 4.82 to 9.75. Short-term debt falls from €24,429 to €10,982.
Annual accounts 2023 filed PDFmicro format · 7 days before the deadline
2023
Equity above €100,000 equity €106,018 ▲76.7% With a profit in every financial year since 2022, equity grows to €106,018.
2022
Annual accounts 2022 filed PDFmicro format · 49 days before the deadline
2021
IncorporationFounding capital of €5,000, 100 shares · Founder: SCHIEPERS Rudolf Hubertus Jozef · Appointment: SCHIEPERS Rudolf Hubertus Jozef (director) · published on 14-06-20215 points ▸
- Founder, SCHIEPERS Rudolf Hubertus Jozef
- Founding capital, €5,000, 100 shares
- Registered office clause, Venlosesteenweg 104, 3680 Maaseik
- Director appointment, SCHIEPERS Rudolf Hubertus Jozef (director (not named in the articles))
- Power of attorney, Compass Audit
- The deed holds 6 more points.
First establishment Venlosesteenweg 104, Maaseik
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 10 June 2021, SCHIEPERS was incorporated as a private limited company by one natural person, with a starting capital of €5,000.12 SCHIEPERS Rudolf Hubertus Jozef is director of the company, appointed by deed of 14-06-2021.2 Total assets went from €106,210 in 2022 to €173,928 in 2025.3
Company details
Identity
- Enterprise number
- 0769.556.725
- VAT number
- BE 0769.556.725
- Peppol ID
- 0208:0769556725
- Other Peppol ID
- 9925:BE0769556725
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 10-06-2021
- Financial year
- ends on 30 June
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Wednesday of December at 19:00deed of 14-06-2021 (in Dutch)
- Peppol
- Reachable since 05-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SCHIEPERS in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 14-06-2021 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 14-06-2021 (in Dutch)
Activities
NACEBEL 202541003
General construction of other non-residential buildings main activity
Codes under NACEBEL 2008
41203
Construction of residential and non-residential buildings main activity
41201
General construction of buildings
91042
Libraries, archives, museums and other cultural activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Uitvoeren van bouwwerken en aannemingen in de ruimste zin van het woord; Uitvoeren van onderhoud en herstellingen van gebouwen in de ruimste…”deed of 14-06-2021 (in Dutch)
2 activities
- Uitvoeren van bouwwerken en aannemingen in de ruimste zin van het woord;
- Uitvoeren van onderhoud en herstellingen van gebouwen in de ruimste zin van het woord.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Venlosesteenweg 104 registered office 3680 Maaseik | 10-06-2021 | 2.318.196.070 |
Buildings and parcels at the address
- Ground area
- 3,991 m²
- Buildings
- 374 m²
- Volume, LiDAR
- 1,239 m³
- Tallest building
- 6.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 72021A2049/00C000 | 3,991 m² | 1 · 374 m² | 6.3 m · 1 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0769.556.725