SCHIPOR CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of SCHIPOR CONSTRUCT is 12.0% (high). The 2025 annual accounts show equity of €46,882 and a net result of €10,201. Equity has been growing by about 37% per year since 2021. Its solvency ranks better than 35% of 9,394 sector peers (NACE 41, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 24-10-2020 Normal situation
- Activity
- General construction of residential buildings NACE 41001and 5 others
- Financial year end
- 31 December
- Peppol
- Reachable
Financial position
- Bankruptcy probabilitywithin 12 months
- 12.0%
- Gross margin
- €28,670
- ▼ 26.3%
- Turnover
- ≈ €200,000
- estimated
- Profit
- €10,201
- ▲ 17.1%
- Equity
- €46,882
- ▲ 27.8%
- Total assets
- €161,141
- ▼ 0.9%
- 2025 accounts filed 72 days after the deadline
Score breakdownraises riskLast filed accounts filed 72 days late; 3 of the last 3 accounts lateSector: Construction of residential and non-residential buildings (NACE 41)No registered site in the KBOFounded in 2020Show the evidence
Checked score
About 1 in 8 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 36% of them on solvency, 57% on liquidity, 37% on profitability and 69% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 5 accounts on average 65 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 72 days after the deadline Filed on 11 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00555271.
Annual accounts 2025 filed on 11-10-2026 at the NBB all 5 filings
2021 to 2025, 5 financial years
The operating result for 2025 is 9% higher than in 2024 and the highest since 2021. It is the fourth rise in a row.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Construction of residential and non-residential buildings (NACE 41). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | - | - | €142,494 | - |
| Depreciation and write-downs of the year | - | - | - | €20,205 | €7,830 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as SCHIPOR CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €130,000 and €158,000, founded between 2019 and 2021.
| Company | Founded | Total assets | Equity | Gross margin | Turnover | Net result | Financial year |
|---|---|---|---|---|---|---|---|
| SCHIPOR CONSTRUCT Vorst | 2020 | €161,141 | €46,882 | €28,670 | - | €10,201 | 2025 |
| Techniques - Services et Compétences Ukkel | 2020 | €148,137 | €36,288 | €26,515 | - | -€870 | 2025 |
| IM HOME PERFECT Watermaal-Bosvoorde | 2020 | €157,785 | €69,362 | €23,184 | - | €11,929 | 2025 |
| DFM CONSTRUCT Brussel | 2020 | €132,297 | €95,285 | €27,805 | €928,675 | €13,125 | 2025 |
| ANTONY CONSTRUCT Brussel | 2021 | €129,598 | €36,578 | €28,620 | - | €6 | 2025 |
| ANROZ Brussel | 2019 | €144,224 | €110,651 | €30,700 | - | €4,689 | 2025 |
| GL INTERIEUR Affligem | 2020 | €156,020 | €51,433 | €29,537 | - | €815 | 2025 |
They were chosen from the 15,546 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 6,713 companies had the same profile as SCHIPOR CONSTRUCT has now. Two years later, 1.8% had gone bankrupt and 95.8% were still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SCHIPOR CONSTRUCT itself is higher: 12.0% within 12 months. It rests on far more data about SCHIPOR CONSTRUCT than the profile alone.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,713 companies, not a prediction for SCHIPOR CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €20,205 | €7,830 | ▼ 61.2% |
| Other operating charges640/8 | €348 | €581 | €384 | €706 | €1,238 | ▲ 75.2% |
| Gross operating margin9900 | €6,660 | €15,749 | €15,765 | €38,927 | €28,670 | ▼ 26.3% |
| Operating profit (loss)9901 | €6,312 | €15,168 | €15,380 | €18,016 | €19,602 | ▲ 8.8% |
| Financial charges65/66B | €110 | €364 | €648 | €5,900 | €5,714 | ▼ 3.2% |
| Recurring financial charges65 | €110 | €364 | €648 | €5,900 | €5,714 | ▼ 3.2% |
| Profit (loss) for the period before taxes9903 | €6,202 | €14,803 | €14,732 | €12,116 | €13,888 | ▲ 14.6% |
| Income taxes67/77 | €1,459 | €3,623 | €3,888 | €3,403 | €3,688 | ▲ 8.4% |
| Profit (loss) for the period9904 | €4,743 | €11,181 | €10,844 | €8,713 | €10,201 | ▲ 17.1% |
| Profit (loss) for the period to be appropriated9905 | €4,743 | €11,181 | €10,844 | €8,713 | €10,201 | ▲ 17.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €28,367 | €26,984 | €175,429 | €162,546 | €161,141 | ▼ 0.9% |
| Fixed assets21/28 | - | - | - | €122,289 | €114,459 | ▼ 6.4% |
| Tangible fixed assets22/27 | - | - | - | €122,289 | €114,459 | ▼ 6.4% |
| Land and buildings22 | - | - | - | €122,289 | €114,459 | ▼ 6.4% |
| Current assets29/58 | €28,367 | €26,984 | €175,429 | €40,258 | €46,682 | ▲ 16.0% |
| Amounts receivable within one year40/41 | €24,092 | €6,701 | €154,825 | €25,933 | €40,869 | ▲ 57.6% |
| Trade receivables40 | €24,092 | €6,701 | €134,206 | €529 | €2,008 | ▲ 279% |
| Other amounts receivable41 | - | - | €20,620 | €25,404 | €38,862 | ▲ 53.0% |
| Cash at bank and in hand54/58 | €4,275 | €20,283 | €20,603 | €13,262 | €4,434 | ▼ 66.6% |
| Deferred charges and accrued income490/1 | - | - | - | €1,063 | €1,379 | ▲ 29.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €28,367 | €26,984 | €175,429 | €162,546 | €161,141 | ▼ 0.9% |
| Equity10/15 | €5,943 | €17,124 | €27,968 | €36,681 | €46,882 | ▲ 27.8% |
| Contributions10/11 | €1,200 | €1,200 | €1,200 | €1,200 | €1,200 | = |
| Profit (loss) carried forward14 | €4,743 | €15,924 | €26,768 | €35,481 | €45,682 | ▲ 28.8% |
| Amounts payable17/49 | €22,424 | €9,860 | €147,460 | €125,865 | €114,260 | ▼ 9.2% |
| Amounts payable after more than one year17 | - | - | - | €106,703 | €102,994 | ▼ 3.5% |
| Financial debts170/4 | - | - | - | €106,703 | €102,994 | ▼ 3.5% |
| Amounts payable within one year42/48 | €22,424 | €9,860 | €147,460 | €19,162 | €11,266 | ▼ 41.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €3,534 | €3,709 | ▲ 4.9% |
| Financial debts43 | - | €100 | €96 | - | - | - |
| Credit institutions430/8 | - | €100 | €96 | - | - | - |
| Trade debts44 | €20,784 | €4,176 | €138,349 | €8,337 | €466 | ▼ 94.4% |
| Suppliers440/4 | €20,784 | €4,176 | €138,349 | €8,337 | €466 | ▼ 94.4% |
| Taxes, remuneration and social security45 | €1,640 | €5,583 | €9,015 | €7,291 | €7,090 | ▼ 2.7% |
| Taxes450/3 | €1,640 | €5,583 | €9,015 | €7,291 | €7,090 | ▼ 2.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,743 | €11,181 | €10,844 | €8,713 | €10,201 | ▲ 17.1% |
| + Depreciation and write-downs630 | - | - | - | €20,205 | €7,830 | ▼ 61.2% |
| Operating cash flow (approximation) | €4,743 | €11,181 | €10,844 | €28,918 | €18,030 | ▼ 37.6% |
| Investment in fixed assets (approximation) | - | - | - | - | €0 | - |
| Change in cash | - | €16,008 | €320 | -€7,342 | -€8,827 | ▼ 20.2% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (5)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 11-10-2026 | 2026-00555271 | NBB |
| 31-12-2024 | micro format | 09-10-2025 | 2025-00537341 | |
| 31-12-2023 | micro format | 30-09-2024 | 2024-00479211 | |
| 31-12-2022 | micro format | 28-09-2023 | 2023-00456977 | |
| 31-12-2021 | micro format | 02-10-2022 | 2022-20445973 |
Timeline
Acts, filings and financial milestones
09-12
Gazette deed
Registered office moved from Uccle to Forest2 points ▸
- General meeting, 28-11-2024
- Registered-office move, Avenue Télémaque 11 boite 1,1190 Forest
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0756.971.172
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21383B0020/00K069 | Brussels | 237 m² | 1 · 95 m² | 16.2 m · 5 |