SCHOENEN ANN
ActiveThe computed 12-month bankruptcy probability of SCHOENEN ANN is 1.6% (moderate). The 2025 annual accounts show equity of €90k and a net result of €17k. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 18039 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▲+5
Solvency62▲+6
Growth52=
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.84 in 2024; short-term debt: 62.5% and cash: 1.9% of total assets), but 63.3% 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.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
36.7%
Return on assets
6.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 5 filingsDeviation from the deadline
2025
11 d late
2024
27 d late
2023
23 d late
2022
28 d late
2021
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▲ 23.3%
2024 · €73k
2021: €35k
2022: €46k
2023: €61k
2024: €73k
2021 → 2025
Total assets
€246k▲ 5.7%
2024 · €233k
2021: €216k
2022: €228k
2023: €216k
2024: €233k
2021 → 2025
Net result
€17k▲ 42.3%
2024 · €12k
2021: €32k
2022: €11k
2023: €15k
2024: €12k
2021 → 2025
Working capital
€92k▼ 13.2%
2024 · €106k
2021: €94k
2022: €96k
2023: €97k
2024: €106k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€46k▲ 29.8%€61k▲ 32.8%€73k▲ 19.6%€90k▲ 23.3%
Operating result€48k-€16k▼ 67.0%€24k▲ 48.3%€21k▼ 8.6%€27k▲ 23.4%
Net result€32k-€11k▼ 67.4%€15k▲ 42.7%€12k▼ 20.6%€17k▲ 42.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 23% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €246k
Equity
€90k▲ 23.3%
Debt
€156k▼ 2.3%
The debt ratio falls from 68.6% to 63.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
36.7%▲
2024 · 31.4%
Current ratio
1.60▼
2024 · 1.84
Quick ratio
0.69▼
2024 · 0.90
Debt / equity
1.73▼
2024 · 2.18
ROE
18.9%▲
2024 · 16.4%
ROA
6.9%▲
2024 · 5.2%
Debt
€156k▼
2024 · €160k
Debt ≤ 1 year
€154k▲
2024 · €126k
Debt > 1 year
€2k▼
2024 · €33k
Income taxes
€7k▲
2024 · €6k
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€233k€246k▲
Current assets29/58€233k€246k▲
Amounts receivable after more than one year29€100k€100k=
Trade receivables290€100k€100k=
Stocks and contracts in progress3€119k€140k▲
Stocks30/36€119k€140k▲
Amounts receivable within one year40/41€7k€1k▼
Trade receivables40-€1k
Other amounts receivable41€7k€22▼
Cash at bank and in hand54/58€8k€5k▼
Deferred charges and accrued income490/1€14€1k▲
Equity and liabilities
Total equity and liabilities10/49€233k€246k▲
Equity10/15€73k€90k▲
Contributions10/11€3k€3k=
Reserves13€70k€87k▲
Distributable reserves133€70k€87k▲
Amounts payable17/49€160k€156k▼
Amounts payable after more than one year17€33k€2k▼
Financial debts170/4€33k€2k▼
Amounts payable within one year42/48€126k€154k▲
Current portion of amounts payable after more than one year42€30k€23k▼
Financial debts43€45k€45k=
Credit institutions430/8€45k€45k=
Trade debts44€18k€6k▼
Suppliers440/4€18k€6k▼
Taxes, remuneration and social security45€32k€52k▲
Taxes450/3€24k€52k▲
Remuneration and social security454/9€9k-
Other amounts payable47/48€732€28k▲
Accrued charges and deferred income492/3€0€0=
Income statement
Code20242025
Other operating charges640/8€894€5k▲
Non-recurring operating charges66A-€200
Gross operating margin9900€22k€32k▲
Operating profit (loss)9901€21k€27k▲
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€18k€24k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€12k€17k▲
Profit (loss) for the period to be appropriated9905€12k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€17k▲
Transfer to equity691/2€12k€17k▲
To the legal reserve6920€12k€17k▲
The notes to these accounts (2 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
2026
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €11k ▼67.4%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 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, Tongeren-Borgloon · 1 establishment unit since 2020
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.
Hemelingenstraat 283700 Tongeren-BorgloonGround area
403 m²
Building footprint
294 m²
Volume, LiDAR
2,344 m³
Parcel 73083C0893/00B000, Flanders · tallest building 14.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCHOENEN ANN
since 20202.309.457.459
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73083C0893/00B000 | Flanders | 403 m² | 1 · 294 m² | 14.9 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.
Similar companies · same sector, comparable size
TENDANCE
BE 0839.486.993
Brussel · Eq €90k
I-B FASHION
BE 0889.556.910
Menen · Eq €91k
SALOUM & CO
BE 0675.663.101
Grimbergen · Eq €90k
STEMARC
BE 0537.843.125
Nieuwpoort · Eq €89k
CHAUSSURES QUERTEMONT
BE 0416.261.048
Jodoigne · Eq €89k
Of 1,035 companies in sector 47721 we hold annual accounts for 583. 460 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-11-2020
Fiscal year end31-12
Activities, NACEBEL
47721Retail sale of footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.