SCHILDERWERKEN FOCUS
ActiveSummary
The computed 12-month bankruptcy probability of SCHILDERWERKEN FOCUS is 2.2% (moderate). The 2025 annual accounts show equity of €19k and a net result of €16k. Equity is shrinking by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 27786 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
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+3
Solvency47▼-31
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 2.05 in 2024; short-term debt: 78.2% and cash: 21.2% of total assets), and 78.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
21.8%
Return on assets
18.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 23%
← 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 28-08-2026, 28 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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
22 d late
2023
27 d late
2022
32 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 54.2%
2024 · €41k
2022: €29k
2023: €29k
2024: €41k
2022 → 2025
Total assets
€86k▲ 12.0%
2024 · €77k
2022: €68k
2023: €65k
2024: €77k
2022 → 2025
Net result
€16k▲ 26.0%
2024 · €13k
2022: €37k
2023: €867
2024: €13k
2022 → 2025
Working capital
€13k▼ 60.5%
2024 · €33k
2022: €18k
2023: €20k
2024: €33k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€29k-€29k▲ 0.1%€41k▲ 39.9%€19k▼ 54.2%
Operating result€45k-€2k▼ 95.4%€15k▲ 608%€18k▲ 25.7%
Net result€37k-€867▼ 97.7%€13k▲ 1,347%€16k▲ 26.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 26% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€6k ▼ 52.8%
Current assets
€81k ▲ 24.0%
Equity and liabilities €86k
Equity
€19k ▼ 54.2%
Debt
€67k ▲ 87.7%
Debt's share of the balance-sheet total rises from 46.7% to 78.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€26k▲
2024 · €22k
Cash flow
€23k▲
2024 · €20k
Current ratio
1.20▼
2024 · 2.05
Debt to equity
3.58▲
2024 · 0.87
ROE
84.0%▲
2024 · 30.6%
ROA
18.3%▲
2024 · 16.3%
Interest coverage
420.13▲
2024 · 18.64
Debt ≤ 1 year
€67k▲
2024 · €32k
Income taxes
€5k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€77k€86k▲
Fixed assets21/28€12k€6k▼
Intangible fixed assets21€1€1=
Tangible fixed assets22/27€12k€6k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€7k€2k▼
Current assets29/58€65k€81k▲
Amounts receivable within one year40/41€34k€62k▲
Trade receivables40€1k€22k▲
Other amounts receivable41€33k€41k▲
Cash at bank and in hand54/58€31k€18k▼
Deferred charges and accrued income490/1€310-
Equity and liabilities
Total equity and liabilities10/49€77k€86k▲
Equity10/15€41k€19k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€38k€16k▼
Amounts payable17/49€36k€67k▲
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€32k€67k▲
Current portion of amounts payable after more than one year42€5k€4k▼
Trade debts44€8k€1k▼
Suppliers440/4€8k€1k▼
Taxes, remuneration and social security45€11k€25k▲
Taxes450/3€11k€25k▲
Other amounts payable47/48€7k€38k▲
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€23k€27k▲
Operating profit (loss)9901€15k€18k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€1k€61▼
Recurring financial charges65€1k€61▼
Profit (loss) for the period before taxes9903€16k€21k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€13k€16k▲
Profit (loss) for the period to be appropriated9905€13k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€54k▲
Profit (loss) brought forward from the previous period14P€26k€38k▲
Profit to be distributed694/7€833€38k▲
Return on contributions (dividend)694€833-
Directors or managers695-€38k
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €867 ▼97.7%
Net result drops to €867, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
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, Mechelen · 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.
Battelsesteenweg 1862800 MechelenGround area
208 m²
Building footprint
82 m²
Volume, LiDAR
557 m³
Parcel 12404F0014/00K004, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schilderwerken Focus
since 20212.324.086.148
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12404F0014/00K004 | Flanders | 208 m² | 1 · 82 m² | 10.8 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
PICTOREM
BE 0805.697.935
Dentergem · Eq €18,808
DECORATIEWERKEN SMETS
BE 0771.440.505
Retie · Eq €18,816
SCHILDERSBEDRIJF DIRK
BE 0479.821.188
Lanaken · Eq €18,721
JACKERS EINDAFWERKING
BE 0426.938.570
Riemst · Eq €18,692
COULEUR ET MATIERE
BE 0474.213.501
Mons · Eq €18,669
Of 7,861 companies in sector 43341 we hold annual accounts for 2,663. 2,022 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:a.u.focus@hotmail.com