SCHIPOR CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of SCHIPOR CONSTRUCT is 4.1% (elevated). The 2024 annual accounts show equity of €37k and a net result of €9k. Equity is growing by ~46.8% per year across the filed fiscal years. Its solvency ranks better than 30% of 9981 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
73
/ 100
Healthy▲ +13 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency54▲+28
Growth78=
Stability94
Bankruptcy probability, 12 months
4.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.1 against 1.19 in 2023), but 77.4% 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.
+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 41
Relative position
BE, all sectors
reference
Sector 41
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 2024Solvency, return and age of the figures
Solvency
22.6%
Return on assets
5.4%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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
not confirmed
2024
70 d late
2023
61 d late
2022
59 d late
2021
63 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€37k▲ 31.2%
2023 · €28k
2021: €6k
2022: €17k
2023: €28k
2021 → 2024
Total assets
€163k▼ 7.3%
2023 · €175k
2021: €28k
2022: €27k
2023: €175k
2021 → 2024
Net result
€9k▼ 19.7%
2023 · €11k
2021: €5k
2022: €11k
2023: €11k
2021 → 2024
Working capital
€21k▼ 24.6%
2023 · €28k
2021: €6k
2022: €17k
2023: €28k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€6k-€17k▲ 188%€28k▲ 63.3%€37k▲ 31.2%
Operating result€6k-€15k▲ 140%€15k▲ 1.4%€18k▲ 17.1%
Net result€5k-€11k▲ 136%€11k▼ 3.0%€9k▼ 19.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2024 is 17% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €163k
Fixed assets
€122k
Current assets
€40k
Equity and liabilities €163k
Equity
€37k▲ 31.2%
Debt
€126k▼ 14.6%
The debt ratio falls from 84.1% to 77.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€38k
Cash flow
€29k
Solvency
22.6%▲
2023 · 15.9%
Current ratio
2.10▲
2023 · 1.19
Quick ratio
2.10▲
2023 · 1.19
Debt / equity
3.43▼
2023 · 5.27
ROE
23.8%▼
2023 · 38.8%
ROA
5.4%▼
2023 · 6.2%
Interest coverage
6.48
Debt
€126k▼
2023 · €147k
Debt ≤ 1 year
€19k▼
2023 · €147k
Debt > 1 year
€107k
Income taxes
€3k▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€175k€163k▼
Fixed assets21/28-€122k
Tangible fixed assets22/27-€122k
Land and buildings22-€122k
Current assets29/58€175k€40k▼
Amounts receivable within one year40/41€155k€26k▼
Trade receivables40€134k€529▼
Other amounts receivable41€21k€25k▲
Cash at bank and in hand54/58€21k€13k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€175k€163k▼
Equity10/15€28k€37k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€27k€35k▲
Amounts payable17/49€147k€126k▼
Amounts payable after more than one year17-€107k
Financial debts170/4-€107k
Amounts payable within one year42/48€147k€19k▼
Current portion of amounts payable after more than one year42-€4k
Financial debts43€96-
Credit institutions430/8€96-
Trade debts44€138k€8k▼
Suppliers440/4€138k€8k▼
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€9k€7k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€20k
Other operating charges640/8€384€706▲
Gross operating margin9900€16k€39k▲
Operating profit (loss)9901€15k€18k▲
Financial charges65/66B€648€6k▲
Recurring financial charges65€648€6k▲
Profit (loss) for the period before taxes9903€15k€12k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€11k€9k▼
Profit (loss) for the period to be appropriated9905€11k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€35k▲
Profit (loss) brought forward from the previous period14P€16k€27k▲
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
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Highest result since 2021net €11k ▲136%
Net result €11k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.74
Current ratio from 1.27 to 2.74; short-term debt falls from €22k to €10k.
02-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 63 days late
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, Vorst
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.
Télémachuslaan 111190 VorstGround area
237 m²
Building footprint
95 m²
Volume, LiDAR
1,172 m³
Parcel 21383B0020/00K069, Brussels · tallest building 16.2 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21383B0020/00K069 | Brussels | 237 m² | 1 · 95 m² | 16.2 m · 5 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.
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MARTMEM & ZONEN BOUW BEDRIJF
BE 0552.678.086
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ASK Batirenov
BE 0795.205.406
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LVL CONSTRUCT
BE 0849.836.004
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 12,577 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
43120Site preparation
43211General electrical installation work
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.