SCHILDER JOREN
ActiveThe computed 12-month bankruptcy probability of SCHILDER JOREN is 2.5% (moderate). The 2025 annual accounts show equity of €27k and a net result of €2k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 54% of 27787 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-5
Solvency76▲+3
Growth52=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.03 against 1.74 in 2024; short-term debt: 48.8% and cash: 71.2% of total assets), and 48.9% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
51.1%
Return on assets
3.6%
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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
3 d early
2023
21 d early
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 7.6%
2024 · €25k
2023: €22k
2024: €25k
2023 → 2025
Total assets
€53k▲ 2.1%
2024 · €52k
2023: €61k
2024: €52k
2023 → 2025
Net result
€2k▼ 49.8%
2024 · €4k
2023: €19k
2024: €4k
2023 → 2025
Working capital
€27k▲ 35.2%
2024 · €20k
2023: €11k
2024: €20k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€22k-€25k▲ 17.8%€27k▲ 7.6%
Operating result€26k-€6k▼ 78.4%€3k▼ 43.1%
Net result€19k-€4k▼ 79.3%€2k▼ 49.8%
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 two years in a row; 2025 is 43% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€534▼ 90.3%
Current assets
€53k▲ 13.1%
Equity and liabilities €53k
Equity
€27k▲ 7.6%
Debt
€26k▼ 3.0%
The debt ratio falls from 51.5% to 48.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▼
2024 · €11k
Cash flow
€7k▼
2024 · €9k
Solvency
51.1%▲
2024 · 48.5%
Current ratio
2.03▲
2024 · 1.74
Quick ratio
2.03▲
2024 · 1.74
Debt / equity
0.96▼
2024 · 1.06
ROE
7.1%▼
2024 · 15.1%
ROA
3.6%▼
2024 · 7.3%
Interest coverage
42.31▲
2024 · 28.56
Debt
€26k▼
2024 · €27k
Debt ≤ 1 year
€26k▼
2024 · €27k
Income taxes
€1k▼
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€52k€53k▲
Fixed assets21/28€6k€534▼
Tangible fixed assets22/27€6k€534▼
Furniture and vehicles24€6k€534▼
Current assets29/58€47k€53k▲
Amounts receivable within one year40/41€7k€14k▲
Trade receivables40€4k€7k▲
Other amounts receivable41€3k€7k▲
Cash at bank and in hand54/58€39k€38k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€52k€53k▲
Equity10/15€25k€27k▲
Contributions10/11€3k€3k=
Reserves13€22k€24k▲
Distributable reserves133€22k€24k▲
Amounts payable17/49€27k€26k▼
Amounts payable within one year42/48€27k€26k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€383€38▼
Taxes450/3€383€38▼
Remuneration and social security454/9€0-
Other amounts payable47/48€23k€23k=
Accrued charges and deferred income492/3-€48
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€165€373▲
Gross operating margin9900€11k€9k▼
Operating profit (loss)9901€6k€3k▼
Financial income75/76B€388€50▼
Recurring financial income75€388€50▼
Financial charges65/66B€369€193▼
Recurring financial charges65€369€193▼
Profit (loss) for the period before taxes9903€6k€3k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€4k€2k▼
Profit (loss) for the period to be appropriated9905€4k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€2k▼
Transfer to equity691/2€4k€2k▼
To other reserves6921€4k€2k▼
The notes to these accounts (13 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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €2k ▼49.8%
Net result drops to €2k, the lowest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Dendermonde · 1 establishment unit since 2023
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.
Heerlijkheidstraat (SCH) 169200 DendermondeGround area
1,483 m²
Building footprint
111 m²
Volume, LiDAR
778 m³
Parcel 42019A2093/00M000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCHILDER JOREN
since 20232.341.991.853
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42019A2093/00M000 | Flanders | 1,483 m² | 1 · 111 m² | 8.4 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.
Similar companies · same sector, comparable size
Majoli Schilder- en Interieurwerken
BE 1006.896.919
Maaseik · Eq €27k
PENTURA
BE 0463.878.843
Mortsel · Eq €27k
Schilderwerken Laurijssen
BE 0870.873.918
Putte · Eq €27k
BOUCKAERT INTERIEUR
BE 0738.621.148
Brugge · Eq €27k
SR Interieur
BE 1005.962.650
Sint-Niklaas · Eq €27k
Of 7,862 companies in sector 43341 we hold annual accounts for 2,664. 2,192 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2023
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43350Other building finishing work
74104Other professional, scientific and technical activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.