SCHILDERS
ActiveSCHILDERS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €377k and a net result of €-39k. Equity is shrinking by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 31% of 7892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency27▼-4
Growth32=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days only on tighter terms
Liquidity short (current ratio 0.44 against 0.44 in 2024), and 74.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
25.4%
Return on assets
-2.6%
Age of the figures
17 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€39k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
7 d early
2023
3 d late
2022
33 d early
2021
62 d early
2020
19 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close13-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€377k▼ 9.4%
2024 · €415k
2019: €740k
2020: €770k
2021: €777k
2022: €743k
2023: €603k
2024: €415k
2019 → 2025
Total assets
€1.48M▼ 2.8%
2024 · €1.53M
2019: €794k
2020: €840k
2021: €849k
2022: €1.74M
2023: €1.79M
2024: €1.53M
2019 → 2025
Net result
€-39k▲ 79.3%
2024 · €-188k
2019: €29k
2020: €38k
2021: €6k
2022: €-33k
2023: €-140k
2024: €-188k
2019 → 2025
Working capital
€-420k▼ 3.4%
2024 · €-406k
2019: €698k
2020: €749k
2021: €737k
2022: €253k
2023: €-159k
2024: €-406k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€777k-€743k▼ 4.3%€603k▼ 18.9%€415k▼ 31.1%€377k▼ 9.4%
Operating result€8k-€-25k€-133k▼ 437%€-181k▼ 36.1%€-32k▲ 82.1%
Net result€6k-€-33k€-140k▼ 324%€-188k▼ 33.7%€-39k▲ 79.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €32k in 2025 against €181k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.48M
Fixed assets
€1.16M▼ 4.7%
Current assets
€328k▲ 4.4%
Equity and liabilities €1.48M
Equity
€377k▼ 9.4%
Debt
€1.11M▼ 0.4%
The debt ratio rises from 72.8% to 74.6%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€27k▲
2024 · €-123k
Cash flow
€20k▲
2024 · €-130k
Solvency
25.4%▼
2024 · 27.2%
Current ratio
0.44▲
2024 · 0.44
Quick ratio
0.41▼
2024 · 0.42
Debt / equity
2.94▲
2024 · 2.68
ROE
-10.3%▲
2024 · -45.2%
ROA
-2.6%▲
2024 · -12.3%
Interest coverage
4.07▲
2024 · -17.73
Debt
€1.11M▼
2024 · €1.11M
Debt ≤ 1 year
€747k▲
2024 · €719k
Debt > 1 year
€360k▼
2024 · €392k
Staff costs
€401k▼
2024 · €436k
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€1.53M€1.48M▼
Fixed assets21/28€1.21M€1.16M▼
Tangible fixed assets22/27€1.21M€1.16M▼
Land and buildings22€990k€958k▼
Plant, machinery and equipment23€214k€195k▼
Furniture and vehicles24€9k€4k▼
Current assets29/58€314k€328k▲
Amounts receivable after more than one year29€50€50=
Other amounts receivable291€50€50=
Stocks and contracts in progress3€10k€18k▲
Stocks30/36€10k€18k▲
Amounts receivable within one year40/41€197k€190k▼
Trade receivables40€197k€189k▼
Other amounts receivable41€295€312▲
Cash at bank and in hand54/58€101k€114k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.53M€1.48M▼
Equity10/15€415k€377k▼
Contributions10/11€449k€449k=
Reserves13€154k€154k=
Tax-exempt reserves132€50k€50k=
Distributable reserves133€104k€104k=
Profit (loss) carried forward14€-188k€-227k▼
Amounts payable17/49€1.11M€1.11M▼
Amounts payable after more than one year17€392k€360k▼
Financial debts170/4€392k€360k▼
Amounts payable within one year42/48€719k€747k▲
Current portion of amounts payable after more than one year42€31k€32k▲
Trade debts44€9k€29k▲
Suppliers440/4€9k€29k▲
Taxes, remuneration and social security45€55k€63k▲
Taxes450/3€2k€8k▲
Remuneration and social security454/9€52k€55k▲
Other amounts payable47/48€625k€623k▼
Income statement
Code20242025
Remuneration, social security and pensions62€436k€401k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€59k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€83k€4k▼
Other operating charges640/8€16k€11k▼
Gross operating margin9900€413k€442k▲
Operating profit (loss)9901€-181k€-32k▲
Financial income75/76B€39€29▼
Recurring financial income75€39€29▼
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€-188k€-39k▲
Profit (loss) for the period9904€-188k€-39k▲
Profit (loss) for the period to be appropriated9905€-188k€-39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-188k€-227k▼
Profit (loss) brought forward from the previous period14P-€-188k
Social balance
Average headcount (FTE)90878.17.0▼
The notes to these accounts (8 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
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-188k
Net result drops to €-188k, the lowest in the series; recovery starts the following year.
2023
03-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 3 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
31-03
Financial
Highest result since 2019net €38k ▲28.5%
Operating result €47k, net result €38k, both a record.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
02-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Bornem · 1 establishment unit since 1991
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.
Weertstraat(MAR) 362880 BornemGround area
1,074 m²
Building footprint
505 m²
Volume, LiDAR
2,203 m³
Parcel 12024B0233/00C003, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PALINGHANDEL SCHILDERS
since 19912.051.533.568
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12024B0233/00C003 | Flanders | 1,074 m² | 1 · 505 m² | 11.1 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 5,250 EUR awarded · 4,050 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,400 EUR | 1,200 EUR |
| 2024 | 1 | 2,850 EUR | 2,850 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteBornem2.051.533.568
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DIETER
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Of 226 companies in sector 46323 we hold annual accounts for 151. 113 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-1991
Fiscal year end31-03
Activities, NACEBEL
46323Wholesale trade
46392Non-specialised wholesale
51381
51392
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.