SCHIPHOEK
ActiveSCHIPHOEK has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €-23k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 76% of 4444 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency91▼-6
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.82 against 3.34 in 2024; short-term debt: 34.4% and cash: 1.7% of total assets), and 34.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 81
Relative position
BE, all sectors
reference
Sector 81
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
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
65.6%
Return on assets
-48.4%
Age of the figures
18 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-23k
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-11-2025, 30 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 · 10 filingsDeviation from the deadline
2025
30 d late
2024
on the day
2023
on the day
2022
3 d late
2021
5 d late
2020
61 d late
2019
4 d late
← 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 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▼ 42.5%
2024 · €54k
2019: €52k
2020: €66k
2021: €69k
2022: €69k
2023: €71k
2024: €54k
2019 → 2025
Total assets
€48k▼ 37.1%
2024 · €76k
2019: €74k
2020: €80k
2021: €97k
2022: €96k
2023: €91k
2024: €76k
2019 → 2025
Net result
€-23k▼ 36.8%
2024 · €-17k
2019: €12k
2020: €14k
2021: €2k
2022: €323
2023: €2k
2024: €-17k
2019 → 2025
Working capital
€30k▼ 40.6%
2024 · €50k
2019: €43k
2020: €51k
2021: €53k
2022: €57k
2023: €65k
2024: €50k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€69k▲ 0.5%€71k▲ 3.2%€54k▼ 23.7%€31k▼ 42.5%
Operating result€-2k-€765€2k▲ 207%€-17k€-22k▼ 33.7%
Net result€2k-€323▼ 85.3%€2k▲ 584%€-17k€-23k▼ 36.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €22k in 2025 against €17k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€1k▼ 66.1%
Current assets
€46k▼ 35.5%
Equity and liabilities €48k
Equity
€31k▼ 42.5%
Debt
€16k▼ 23.7%
The debt ratio rises from 28.4% to 34.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-20k▼
2024 · €-13k
Cash flow
€-20k▼
2024 · €-13k
Solvency
65.6%▼
2024 · 71.6%
Current ratio
2.82▼
2024 · 3.34
Quick ratio
2.82▼
2024 · 3.34
Debt / equity
0.52▲
2024 · 0.40
ROE
-73.8%▼
2024 · -31.0%
ROA
-48.4%▼
2024 · -22.2%
Interest coverage
-27.92▲
2024 · -93.77
Debt
€16k▼
2024 · €21k
Debt ≤ 1 year
€16k▼
2024 · €21k
Staff costs
€1k
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€76k€48k▼
Fixed assets21/28€4k€1k▼
Tangible fixed assets22/27€3k€481▼
Plant, machinery and equipment23€2k€0▼
Furniture and vehicles24€1k€481▼
Financial fixed assets28€871€871=
Current assets29/58€72k€46k▼
Amounts receivable within one year40/41€56k€37k▼
Trade receivables40€56k€37k▼
Other amounts receivable41-€474
Cash at bank and in hand54/58€217€820▲
Deferred charges and accrued income490/1€15k€8k▼
Equity and liabilities
Total equity and liabilities10/49€76k€48k▼
Equity10/15€54k€31k▼
Contributions10/11€279k€279k=
Capital10€279k€279k=
Issued capital100€279k€279k=
Reserves13€15k€15k=
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Profit (loss) carried forward14€-240k€-263k▼
Amounts payable17/49€21k€16k▼
Amounts payable within one year42/48€21k€16k▼
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€9k€13k▲
Suppliers440/4€9k€13k▲
Taxes, remuneration and social security45€9k€1k▼
Taxes450/3€2k-
Remuneration and social security454/9€7k€1k▼
Other amounts payable47/48€3k€3k=
Income statement
Code20242025
Remuneration, social security and pensions62-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€15k€15k▲
Gross operating margin9900€2k€-3k▼
Operating profit (loss)9901€-17k€-22k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€136€706▲
Recurring financial charges65€136€706▲
Profit (loss) for the period before taxes9903€-17k€-23k▼
Profit (loss) for the period9904€-17k€-23k▼
Profit (loss) for the period to be appropriated9905€-17k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-240k€-263k▼
Profit (loss) brought forward from the previous period14P€-223k€-240k▼
The notes to these accounts (4 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
30-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
31-03
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2021
05-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
31-03
Financial
Highest result since 2019net €14k ▲17.3%
Operating result €14k, net result €14k, both a record.
2019
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2017
02-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2016
31-10
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
2 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 1996
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.
Burchtstraat 160B9150 Beveren-Kruibeke-ZwijndrechtGround area
7,625 m²
Building footprint
3,718 m²
Volume, LiDAR
22,136 m³
2 parcels, Flanders · tallest building 16.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCHIPHOEK
since 19962.077.598.359
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46013A0471/00C000 | Flanders | 3,875 m² | 1 · 2,603 m² | 7.8 m · 2 fl. |
| 46013A0478/02C000 | Flanders | 3,750 m² | 1 · 1,116 m² | 16.5 m · 2 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.
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Of 1,281 companies in sector 81100 we hold annual accounts for 678. 322 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-06-1996
Fiscal year end31-03
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
70322
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.