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Schippers.bouw

Active
Private limited companyfounded 20242 yrs activePriesterse Heidestraat 48, 3560 Lummen, BelgiumKBO/BCE: BE 1013.787.778
Summary

The computed 12-month bankruptcy probability of Schippers.bouw is 3.4% (moderate). The 2025 annual accounts show equity of €57,463 and a net result of €52,463. Its solvency ranks better than 60% of 33926 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
Schippers.bouwActiveChecked score 52/100
Risk analysis ReportCompare

Overview

Activity
Other building finishing work
NACE 43350NACE 43390
1 site
Size
€101,921total assets 2025
Staff
0.5 FTE
Equity
€57,463
Profit
€52,463
Turnover not published (abridged schema)
Financial health
52 Fair Checked score 2025
Bankruptcy chance 12 m
3.4%
Structure
Accounts on time0 of 1 deed read
Why 52- Founded in 2024- Liquidity: current ratio 2.29- Size: total assets €101,921- Sector Specialised construction activities (NACE 43)Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 74% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength
Strong
Solvency 81
equity 56.4% of total assets
Liquidity 69
short-term debt 34.9%
Profitability 100
return on assets 51.5%
Bankruptcy probability, 12 months
3.4% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,514 companies)
Last 24 months 10-2025: 1.9%lowest value 11-2025: 1.9%● 0.0% vs 10-2025lowest value 12-2025: 2.0%▲ +4.7% vs 11-2025 01-2026: 2.3%▲ +16.6% vs 12-2025 02-2026: 2.5%▲ +6.5% vs 01-2026 03-2026: 2.7%▲ +11.4% vs 02-2026 04-2026: 2.7%● 0.0% vs 03-2026 05-2026: 3.0%▲ +10.3% vs 04-2026 06-2026: 3.0%▼ -1.4% vs 05-2026 07-2026: 2.9%▼ -1.1% vs 06-2026 08-2026: 3.2%▲ +8.6% vs 07-2026 09-2026: 3.3%▲ +4.2% vs 08-2026 10-2026: 3.4%▲ +2.0% vs 09-2026highest value
  • Founded in 2024 raises the probability for this profile
  • Liquidity: current ratio 2.29 raises the probability
  • Size: total assets €101,921 raises the probability for this profile
  • Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 2.29; short-term debt: 34.9% of total assets), and 43.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 61%, liquidity 67%, profitability 93%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Founded in 2024
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Liquidity: current ratio 2.29
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Size: total assets €101,921
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
on the day
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…

Key points

  • Positive: Among the best 13% on net resultsector median €10,149 · 33,913 companies €52,463 View
  • Total assets 2025first fiscal year filed €101,921 View
  • Active since 2024founded 19-09-2024 2 years View

By topic

Financials

Fiscal year
2025
Total assets
€101,921
Profit
€52,463
Solvency
56.4%
Go to Financials

Company details

Sites
1
Legal form
Private limited company
Activity
Other building finishing workNACE 43350
Founded
19-09-2024
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark

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