SCHILTZ
ActiveSCHILTZ has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €449k and a net result of €2k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 82% of 7673 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▲+2
Solvency97▼-3
Growth52=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 2.08 in 2024), and 26.4% 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 · 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 · 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
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
73.6%
Return on assets
0.3%
Age of the figures
17 mo
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 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
2022
4 d late
2021
16 d late
2020
16 d late
2019
1 d early
← 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 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€449k▲ 0.4%
2024 · €447k
2019: €269k
2020: €279k
2021: €302k
2022: €359k
2023: €452k
2024: €447k
2019 → 2025
Total assets
€610k▼ 6.2%
2024 · €651k
2019: €864k
2020: €751k
2021: €654k
2022: €728k
2023: €768k
2024: €651k
2019 → 2025
Net result
€2k
2024 · €-5k
2019: €26k
2020: €22k
2021: €23k
2022: €93k
2023: €93k
2024: €-5k
2019 → 2025
Working capital
€119k▼ 22.8%
2024 · €154k
2019: €-312k
2020: €-262k
2021: €-203k
2022: €-29k
2023: €194k
2024: €154k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€302k-€359k▲ 18.8%€452k▲ 26.0%€447k▼ 1.0%€449k▲ 0.4%
Operating result€38k-€111k▲ 195%€148k▲ 33.5%€-8k€6k
Net result€23k-€93k▲ 309%€93k▲ 0.4%€-5k€2k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €610k
Fixed assets
€351k▼ 0.9%
Current assets
€260k▼ 12.6%
Equity and liabilities €610k
Equity
€449k▲ 0.4%
Debt
€161k▼ 20.9%
The debt ratio falls from 31.3% to 26.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€10k▲
2024 · €7k
Cash flow
€5k▼
2024 · €10k
Solvency
73.6%▲
2024 · 68.7%
Current ratio
1.85▼
2024 · 2.08
Quick ratio
1.85▼
2024 · 2.08
Debt / equity
0.36▼
2024 · 0.46
ROE
0.4%▲
2024 · -1.0%
ROA
0.3%▲
2024 · -0.7%
Interest coverage
0.96▲
2024 · 0.85
Debt
€161k▼
2024 · €204k
Debt ≤ 1 year
€140k▼
2024 · €143k
Debt > 1 year
€21k▼
2024 · €61k
Income taxes
€147▼
2024 · €314
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€651k€610k▼
Fixed assets21/28€354k€351k▼
Tangible fixed assets22/27€354k€351k▼
Land and buildings22€350k€348k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€297k€260k▼
Amounts receivable within one year40/41€13k€12k▼
Trade receivables40€7k€11k▲
Other amounts receivable41€7k€1k▼
Cash at bank and in hand54/58€282k€248k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€651k€610k▼
Equity10/15€447k€449k▲
Contributions10/11€250k€250k=
Reserves13€210k€210k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Tax-exempt reserves132€8k€8k=
Distributable reserves133€201k€201k=
Profit (loss) carried forward14€-12k€-11k▲
Amounts payable17/49€204k€161k▼
Amounts payable after more than one year17€61k€21k▼
Financial debts170/4€61k€21k▼
Amounts payable within one year42/48€143k€140k▼
Current portion of amounts payable after more than one year42€47k€40k▼
Trade debts44€11k€11k▼
Suppliers440/4€11k€11k▼
Advances received on contracts in progress46-€34
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€79k€86k▲
Accrued charges and deferred income492/3€359-
Income statement
Code20242025
Non-recurring operating income76A-€13k
Remuneration, social security and pensions62€-9k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€3k▼
Other operating charges640/8€3k€5k▲
Gross operating margin9900€366€15k▲
Operating profit (loss)9901€-8k€6k▲
Financial income75/76B€12k€6k▼
Recurring financial income75€12k€6k▼
Financial charges65/66B€8k€10k▲
Recurring financial charges65€8k€10k▲
Profit (loss) for the period before taxes9903€-4k€2k▲
Income taxes67/77€314€147▼
Profit (loss) for the period9904€-5k€2k▲
Profit (loss) for the period to be appropriated9905€-5k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-11k▲
Profit (loss) brought forward from the previous period14P€-8k€-12k▼
The notes to these accounts (9 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
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-5k ▼105%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Highest result since 2019net €93k ▲0.4%
Operating result €148k, net result €93k, both a record.
31-03
Financial
Liquidity doublescurrent ratio 1.93
Current ratio from 0.84 to 1.93.
2022
04-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 4 days late
2021
16-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 16 days late
2020
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 16 days late
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
29-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2016
14-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 14 days late
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
1 establishment unit since 2022
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.
Ground area
721 m²
Building footprint
291 m²
Volume, LiDAR
3,155 m³
2 parcels, Flanders · tallest building 19.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
SCHILTZ
since 20222.355.764.467
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36008C0204/00L005 | Flanders | 544 m² | 1 · 127 m² | 8.3 m · 2 fl. |
| 36502B0138/00A000 | Flanders | 176 m² | 1 · 163 m² | 19.3 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
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ALUMINIUMCONSTRUCTIE VANDEMAELE
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Hansauer
BE 0406.950.335
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ADESKO
BE 0445.020.558
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Of 19,950 companies in sector 43320 we hold annual accounts for 9,081. 6,164 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-04-2008
Fiscal year end31-03
Activities, NACEBEL
43320Joinery installation
56101Full-service restaurants
56111Full-service restaurants
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.