SCHMIT SERVICE
ActiveSummary
SCHMIT SERVICE has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €843,728 and a net result of €28,143. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 10645 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▲+10
Solvency98▲+12
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65,000 at 30 days acceptable
Liquidity ample (current ratio 6.22 against 2.91 in 2024; short-term debt: 4.6% and cash: 17.7% of total assets), and 27.5% of the assets are financed with debt.
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Signals
Five 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
72.5%
Return on assets
2.4%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
57 d late
2023
61 d late
2022
29 d late
2021
82 d late
2020
23 d early
2019
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 23 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 26 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€28,143▲ 1.8%
2024 · €27,636
Working capital
€277,917▼ 0.6%
2024 · €279,604
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€70,080▲ 147%€144,469▲ 106%€121,991▼ 15.6%€81,859▼ 32.9%€70,129▼ 14.3%
Net result€54,224within the sector's middle half▲ 179%€75,213within the sector's middle half▲ 38.7%€50,910within the sector's middle half▼ 32.3%€27,636within the sector's middle half▼ 45.7%€28,143within the sector's middle half▲ 1.8%
Equity€661,827within the sector's middle half▲ 8.9%€737,040within the sector's middle half▲ 11.4%€787,949within the sector's middle half▲ 6.9%€815,585within the sector's middle half▲ 3.5%€843,728above the sector's middle half▲ 3.5%
Total assets€1.6mwithin the sector's middle half▲ 10.4%€1.6mwithin the sector's middle half▼ 1.0%€1.9mwithin the sector's middle half▲ 22.7%€1.3mwithin the sector's middle half▼ 30.3%€1.2mwithin the sector's middle half▼ 13.6%
Debt€929,755▲ 11.4%€838,528▼ 9.8%€1.1m▲ 36.5%€531,560▼ 53.6%€319,948▼ 39.8%
Working capital€146,550within the sector's middle half▲ 10.6%€233,767within the sector's middle half▲ 59.5%€266,665within the sector's middle half▲ 14.1%€279,604within the sector's middle half▲ 4.9%€277,917within the sector's middle half▼ 0.6%
Solvency41.6%within the sector's middle half▼ 0.5pp46.8%within the sector's middle half▲ 5.2pp40.8%within the sector's middle half▼ 6.0pp60.5%above the sector's middle half▲ 19.8pp72.5%above the sector's middle half▲ 12.0pp
Current ratio1.69within the sector's middle half▼ 0.102.12within the sector's middle half▲ 0.441.42within the sector's middle half▼ 0.712.91above the sector's middle half▲ 1.506.22above the sector's middle half▲ 3.31
Return on assets (ROA)3.4%within the sector's middle half▲ 2.1pp4.8%within the sector's middle half▲ 1.4pp2.6%within the sector's middle half▼ 2.1pp2.1%within the sector's middle half▼ 0.6pp2.4%within the sector's middle half▲ 0.4pp
Staff (FTE)2.3below the sector's middle half▼ 8.0%2.3below the sector's middle half=3.3within the sector's middle half▲ 43.5%2.7within the sector's middle half▼ 18.2%2.6within the sector's middle half▼ 3.7%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€832,515 ▼ 9.6%
Current assets
€331,161 ▼ 22.2%
Equity and liabilities €1.2m
Equity
€843,728 ▲ 3.5%
Debt
€319,948 ▼ 39.8%
Debt's share of the balance-sheet total falls from 39.5% to 27.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€166,911▼
2024 · €188,549
Cash flow
€124,925▼
2024 · €134,326
Quick ratio
4.76▲
2024 · 2.32
Debt to equity
0.38▼
2024 · 0.65
ROE
3.3%▼
2024 · 3.4%
Interest coverage
5.70▲
2024 · 4.49
Debt ≤ 1 year
€53,244▼
2024 · €146,229
Debt > 1 year
€266,704▼
2024 · €385,331
Income taxes
€12,682▲
2024 · €12,263
Staff costs
€98,180▲
2024 · €93,224
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.7%
went bankrupt
4.0%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €77,581 | €80,185 | €79,439 | €93,224 | €98,180 | ▲ 5.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €95,026 | €105,423 | €106,868 | €106,689 | €96,782 | ▼ 9.3% |
| Other operating charges640/8 | €9,474 | €9,713 | €10,684 | €11,181 | €15,569 | ▲ 39.2% |
| Gross operating margin9900 | €252,160 | €339,790 | €318,981 | €292,954 | €280,661 | ▼ 4.2% |
| Operating profit (loss)9901 | €70,080 | €144,469 | €121,991 | €81,859 | €70,129 | ▼ 14.3% |
| Financial income75/76B | €255 | €17 | - | €3 | €2 | ▼ 49.2% |
| Recurring financial income75 | €255 | €17 | - | €3 | €2 | ▼ 49.2% |
| Financial charges65/66B | €5,361 | €32,022 | €39,107 | €41,964 | €29,306 | ▼ 30.2% |
| Recurring financial charges65 | €5,361 | €32,022 | €39,107 | €41,964 | €29,306 | ▼ 30.2% |
| Profit (loss) for the period before taxes9903 | €64,974 | €112,463 | €82,884 | €39,899 | €40,825 | ▲ 2.3% |
| Income taxes67/77 | €10,750 | €37,251 | €31,974 | €12,263 | €12,682 | ▲ 3.4% |
| Profit (loss) for the period9904 | €54,224 | €75,213 | €50,910 | €27,636 | €28,143 | ▲ 1.8% |
| Profit (loss) for the period to be appropriated9905 | €54,224 | €75,213 | €50,910 | €27,636 | €28,143 | ▲ 1.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.6m | €1.6m | €1.9m | €1.3m | €1.2m | ▼ 13.6% |
| Fixed assets21/28 | €1.2m | €1.1m | €1.0m | €921,313 | €832,515 | ▼ 9.6% |
| Tangible fixed assets22/27 | €1.2m | €1.1m | €1.0m | €921,079 | €832,282 | ▼ 9.6% |
| Land and buildings22 | €1.1m | €1.0m | €966,135 | €884,558 | €813,768 | ▼ 8.0% |
| Plant, machinery and equipment23 | €92,425 | €77,149 | €53,699 | €31,559 | €12,567 | ▼ 60.2% |
| Furniture and vehicles24 | €1,175 | €1,220 | €770 | €437 | €2,674 | ▲ 511% |
| Other tangible fixed assets26 | €8,278 | €7,027 | €5,776 | €4,524 | €3,273 | ▼ 27.7% |
| Financial fixed assets28 | €233 | €233 | €233 | €233 | €233 | = |
| Current assets29/58 | €359,904 | €442,088 | €906,226 | €425,833 | €331,161 | ▼ 22.2% |
| Stocks and contracts in progress3 | €95,053 | €125,779 | €123,815 | €86,148 | €77,518 | ▼ 10.0% |
| Stocks30/36 | €95,053 | €125,779 | €123,815 | €86,148 | €77,518 | ▼ 10.0% |
| Amounts receivable within one year40/41 | €121,377 | €42,891 | €72,137 | €68,035 | €47,010 | ▼ 30.9% |
| Trade receivables40 | €101,967 | €35,743 | €56,942 | €21,596 | €18,745 | ▼ 13.2% |
| Other amounts receivable41 | €19,410 | €7,147 | €15,195 | €46,439 | €28,266 | ▼ 39.1% |
| Cash at bank and in hand54/58 | €143,031 | €272,953 | €709,787 | €271,154 | €206,104 | ▼ 24.0% |
| Deferred charges and accrued income490/1 | €444 | €465 | €487 | €497 | €529 | ▲ 6.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.6m | €1.6m | €1.9m | €1.3m | €1.2m | ▼ 13.6% |
| Equity10/15 | €661,827 | €737,040 | €787,949 | €815,585 | €843,728 | ▲ 3.5% |
| Contributions10/11 | €600,000 | €600,000 | €600,000 | €600,000 | €600,000 | = |
| Reserves13 | €61,827 | €137,040 | €187,949 | €215,585 | €243,728 | ▲ 13.1% |
| Distributable reserves133 | €61,827 | €137,040 | €187,949 | €215,585 | €243,728 | ▲ 13.1% |
| Amounts payable17/49 | €929,755 | €838,528 | €1.1m | €531,560 | €319,948 | ▼ 39.8% |
| Amounts payable after more than one year17 | €716,401 | €630,208 | €505,328 | €385,331 | €266,704 | ▼ 30.8% |
| Financial debts170/4 | €716,401 | €630,208 | €505,328 | €385,331 | €266,704 | ▼ 30.8% |
| Amounts payable within one year42/48 | €213,354 | €208,320 | €639,561 | €146,229 | €53,244 | ▼ 63.6% |
| Current portion of amounts payable after more than one year42 | €10,000 | - | - | - | - | - |
| Trade debts44 | €83,081 | €134,355 | €590,478 | €82,765 | €9,606 | ▼ 88.4% |
| Suppliers440/4 | €83,081 | €134,355 | €590,478 | €82,765 | €9,606 | ▼ 88.4% |
| Advances received on contracts in progress46 | €96,646 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €23,627 | €54,782 | €26,429 | €38,463 | €27,481 | ▼ 28.6% |
| Taxes450/3 | €11,521 | €38,222 | €9,709 | €10,715 | €9,607 | ▼ 10.3% |
| Remuneration and social security454/9 | €12,106 | €16,561 | €16,720 | €27,748 | €17,874 | ▼ 35.6% |
| Other amounts payable47/48 | - | €19,182 | €22,654 | €25,001 | €16,157 | ▼ 35.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €54,224 | €75,213 | €50,910 | €27,636 | €28,143 | ▲ 1.8% |
| + Depreciation and write-downs630 | €95,026 | €105,423 | €106,868 | €106,689 | €96,782 | ▼ 9.3% |
| Operating cash flow (approximation) | €149,250 | €180,635 | €157,777 | €134,326 | €124,925 | ▼ 7.0% |
| Investment in fixed assets (approximation) | - | -€7,225 | €0 | -€1,390 | -€7,985 | ▼ 474% |
| Change in cash | - | €129,922 | €436,834 | -€438,633 | -€65,050 | ▲ 85.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity doublescurrent ratio 6.22
Current ratio from 2.91 to 6.22; short-term debt falls from €146,229 to €53,244.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 57 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 2.91
Current ratio from 1.42 to 2.91; short-term debt falls from €639,561 to €146,229.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €75,213 ▲38.7%
Operating result €144,469, net result €75,213, both a record.
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 82 days late
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €19,430 ▼62.9%
Net result drops to €19,430, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 58 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Arlon · 1 establishment unit since 2011
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.
Bonnert, route de Bastogne 3826700 Arlon1 establishment unit
Bonnert, route de Bastogne 382, 6700 Arlon
since 20112.201.422.720
Recognitions · licences · registrations
Food safety, FASFC
1 siteArlon2.201.422.720
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Of 1,265 companies in this sector we hold annual accounts for 952. 558 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded01-07-2011
Fiscal year end31-12
Activities, NACEBEL 2025
47300Retail sale of automotive fuel
95316Washing and cleaning of motor vehicles
47110Non-specialised retail sale with food, beverages or tobacco predominating
Contact
Phone
063/245.790Arlon
E-invoicing
Reachable via Peppol
Peppol ID
0208:0837489585
Also
9925:BE0837489585
Registered
26-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.