Schmit-de Suray
ActiveSchmit-de Suray has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €147k and a net result of €69k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 66% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +29 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency96▲+18
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.45 against 2.31 in 2024), and 48.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
51.7%
Return on assets
24.4%
Age of the figures
17 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €147k
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 18-10-2025, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
19 d early
2023
7 d early
2022
29 d late
2021
6 d early
2020
17 d early
2019
9 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 close14-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€147k▲ 89.5%
2024 · €77k
2019: €120k
2020: €95k
2021: €149k
2022: €115k
2023: €89k
2024: €77k
2019 → 2025
Total assets
€284k▲ 31.9%
2024 · €215k
2019: €237k
2020: €193k
2021: €311k
2022: €217k
2023: €258k
2024: €215k
2019 → 2025
Net result
€69k
2024 · €-12k
2019: €-22k
2020: €-25k
2021: €54k
2022: €-34k
2023: €-26k
2024: €-12k
2019 → 2025
Working capital
€83k▲ 297%
2024 · €21k
2019: €-42k
2020: €-30k
2021: €12k
2022: €4k
2023: €11k
2024: €21k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€149k-€115k▼ 23.1%€89k▼ 22.6%€77k▼ 13.0%€147k▲ 89.5%
Operating result€63k-€-34k€-26k▲ 25.4%€-22k▲ 14.9%€78k
Net result€54k-€-34k€-26k▲ 24.8%€-12k▲ 55.5%€69k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €78k after a loss of €22k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €284k
Fixed assets
€143k▼ 19.7%
Current assets
€140k▲ 281%
Equity and liabilities €284k
Equity
€147k▲ 89.5%
Debt
€137k▼ 0.5%
The debt ratio falls from 64.0% to 48.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€111k▲
2024 · €13k
Cash flow
€103k▲
2024 · €23k
Solvency
51.7%▲
2024 · 36.0%
Current ratio
2.45▲
2024 · 2.31
Quick ratio
2.45▲
2024 · 2.31
Debt / equity
0.93▼
2024 · 1.78
ROE
47.2%▲
2024 · -14.9%
ROA
24.4%▲
2024 · -5.4%
Interest coverage
23.89▲
2024 · 13.25
Debt
€137k▼
2024 · €138k
Debt ≤ 1 year
€57k▲
2024 · €16k
Debt > 1 year
€79k▼
2024 · €121k
Income taxes
€4k▲
2024 · €332
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€215k€284k▲
Fixed assets21/28€178k€143k▼
Tangible fixed assets22/27€178k€143k▼
Land and buildings22€32k€29k▼
Plant, machinery and equipment23€55k€47k▼
Furniture and vehicles24€91k€67k▼
Current assets29/58€37k€140k▲
Amounts receivable within one year40/41€12k€12k=
Trade receivables40€12k€12k▲
Other amounts receivable41€25-
Cash at bank and in hand54/58€21k€124k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€215k€284k▲
Equity10/15€77k€147k▲
Contributions10/11€96k€96k=
Capital10€96k€96k=
Issued capital100€96k€96k=
Reserves13€10k€10k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Profit (loss) carried forward14€-28k€41k▲
Amounts payable17/49€138k€137k▼
Amounts payable after more than one year17€121k€79k▼
Financial debts170/4€119k€77k▼
Other amounts payable178/9€1k€1k=
Amounts payable within one year42/48€16k€57k▲
Trade debts44€2k€643▼
Suppliers440/4€2k€643▼
Taxes, remuneration and social security45€332€5k▲
Taxes450/3€332€5k▲
Other amounts payable47/48€14k€51k▲
Accrued charges and deferred income492/3€980€1k▲
Income statement
Code20242025
Non-recurring operating income76A-€138k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€34k▼
Other operating charges640/8€7k€8k▲
Gross operating margin9900€20k€119k▲
Operating profit (loss)9901€-22k€78k▲
Financial income75/76B€11k-
Recurring financial income75€11k-
Financial charges65/66B€974€5k▲
Recurring financial charges65€974€5k▲
Profit (loss) for the period before taxes9903€-11k€73k▲
Income taxes67/77€332€4k▲
Profit (loss) for the period9904€-12k€69k▲
Profit (loss) for the period to be appropriated9905€-12k€69k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€41k▲
Profit (loss) brought forward from the previous period14P€-17k€-28k▼
The notes to these accounts (7 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
18-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €69k
Net result €69k after 3 loss-making years.
31-03
Financial
Equity above €100kEq €147k ▲89.5%
Equity rises from €77k to €147k.
2024
12-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
31-03
Financial
Weakest financial yearnet €-34k ▼164%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €54k
Net result €54k after 2 loss-making years.
31-03
Financial
Equity above €100kEq €149k ▲57%
Equity rises from €95k to €149k.
2020
14-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
24-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
03-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Gedinne · 1 establishment unit since 1981
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.
Rue de la Ramée, Venc. 185575 GedinneGround area
3,034 m²
Building footprint
164 m²
Volume, LiDAR
945 m³
Parcel 91126B0642/00Z000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Ramée, Venc. 18, 5575 Gedinne
since 19812.035.202.233
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91126B0642/00Z000 | Wallonia | 3,034 m² | 1 · 164 m² | 7.7 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGedinne2.035.202.233
Legal Entity Identifier
254900GSNKM4F03KHS08
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Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 5,244 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-10-1981
Fiscal year end31-03
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 37 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.