Equity
€3.7m ▼ 8.1%
SCHOEPS paid out €1.0m in dividends. That is 148% of the 2025 profit.
SCHOEPS
Lifetime
20 annual accounts with figures on one time axis, 35 filings since 1991peak €34.1m (2025)
€34.1m▲ 35.7%
lowest -€1.6m (2017)
€675,077▲ 23.8%
peak €4.5m (2023)
€3.7m▼ 8.1%
€7.9m▲ 36.3%
peak 14.5 FTE (2019)
13.7 FTE▲ 5.4%
Board6 names since 2016
3 directorsCHEESE VENTURES and 2 others
Owners2 names in the annual accounts
consolidatesCHEESE VENTURES
Documentsfilings and deeds
15-05-202677 days before the deadline
2025financial year
Turnover from €25.1m to €34.1mDividend €1.0mDebts from €5.8m to €7.9mInvestments €1.1mCash from €1.0m to €2.6m
Key points
from the 2025 annual accountsTurnover
€34.1m ▲ 35.7%
Turnover rose in 2025 from €25.1m to €34.1m.
Debts
€7.9m ▲ 36.3%
Debts rose by €2.1m in 2025.
Investments
€1.1m 2.6 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 180.4% higher than in 2024.
Staff
15 employees on 31-12-2025
In 2025, 5 people joined and 4 left. On top of that, 1.3 agency workers worked there on average.
Filings
35 annual accounts since 1991
The last five annual accounts were filed 47 to 86 days before the end of the period.
Checked score
94
Excellent
Financially stronger than 54% of small companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 4,374 companies (NACE 46, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025lowest value
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: 0.1%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.1%● unchanged vs 07-2025highest value
09-2025: 0.1%● unchanged vs 08-2025highest value
10-2025: 0.1%● unchanged vs 09-2025highest value
11-2025: 0.1%● unchanged vs 10-2025highest value
12-2025: 0.1%● unchanged vs 11-2025highest value
01-2026: 0.1%● unchanged vs 12-2025highest value
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
lowers risk
Founded in 1991
Liquidity: current ratio 1.26, cash €2.6m
Profit of €675,077 (financial year 2025)
Size: turnover €34.1m, 13.7 FTE, total assets €11.6m
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 46, small). It does better than 37% of them on solvency, 71% on liquidity, 50% on profitability and 57% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 20,137 companies had the same profile as SCHOEPS has now. Each dot stands for 51 companies, two years later.
95.1%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of SCHOEPS itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 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 20,137 companies, not a prediction for SCHOEPS. 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.
Credit verdict
Credit of up to €340,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.26 (1.61 in 2024), below the usual 1.5. Short-term debt is 48.3% and cash 22.4% of total assets. 68.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 15-05-2026, 77 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
77 days early
2024
51 days early
2023
64 days early
2022
47 days early
2021
86 days early
2020
4 days early
2019
2 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 47 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 May (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0445845058
Appointment: VRC Bedrijfsrevisoren (statutory auditor)
General meeting of 03-05-2024 · Gazette deed
CHEESE VENTURES holds all the shares
Board meeting of 02-02-2024 · Gazette deed
3 directors appointed
DE KEYSER Erwin, CHEESE VENTURES and Olivier Florine Emmanuëlle · Permanent representative: DEHANDSCHUTTER Koen · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SCHOEPS La Louvière | €34.1m | 3.1% | 31.8% | 13.7 |
| FROM-UN Tubize | €35.4m | 1.6% | 17.6% | 16.8 |
| BEEVERS KAAS Brecht | €40.5m | 4.7% | 53.9% | 17.8 |
| Flandrien Wervik | €29.7m | 5.8% | 31.0% | 18 |
| LA CONCORDE Merchtem | €39.2m | 4.3% | 27.2% | 21.3 |
| JM CABAY Courcelles | €21.4m | 1.2% | 35.9% | 16.1 |
| LUCOKAAS Anzegem | €55.0m | 1.3% | 42.4% | 15.6 |
Grey: the largest companies of the sector (wholesale trade (NACE 46)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as SCHOEPS: wholesale trade (NACE 46331). They are comparable in size and age: total assets between €5.7m and €14m, founded between 1982 and 2001.
Official details
Source: KBO- Status
- Active since 29-11-1991Normal situation
- Activity
- Wholesale tradeNACE 46331
- Joint committees
- 200Auxiliary committee for white-collar workers
- 119Food trade · annual accounts 2025
- Establishment unit
- 2.055.445.7377110 La Louvière, since 18-05-1993
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- €11.6m▲ 18.1%
- Employeeson 31-12-2025
- 15▲ 7.1%
- Filing
- Filed on 15-05-2026, 77 days before the end of the filing period
Insights on SCHOEPS
SCHOEPS has existed since 1991. Turnover grew from €8.3m in 2006 to €34.1m in 2025 and staff from 9 to 13.7 full-time equivalents.
Solvency fell in 2025 from 40.9% to 31.8% because of the dividend.
CHEESE VENTURES holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SCHOEPS
- What is the company number of SCHOEPS?
- The company number of SCHOEPS is 0445.845.058. The VAT number is the same number with BE in front: BE 0445.845.058.
- Where is SCHOEPS based?
- The registered office is at Boulevard de la Technicité (H-G) 5, 7110 La Louvière.Company details
- What does SCHOEPS do?
- According to the KBO register, the main activity is wholesale trade (NACE 46331).
- What is the legal form of SCHOEPS?
- SCHOEPS is a public limited company (NV).
- When was SCHOEPS founded?
- SCHOEPS was founded on 29-11-1991.
- Is SCHOEPS still active?
- Yes, SCHOEPS is an active enterprise in the KBO register.
- How many employees does SCHOEPS have?
- SCHOEPS had an average of 13.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does SCHOEPS fall under?
- In its 2025 annual accounts, SCHOEPS states joint committees 200 (Auxiliary committee for white-collar workers) and 119 (Food trade).
- What is the turnover of SCHOEPS?
- The turnover of SCHOEPS was €34.1m in financial year 2025, according to the filed annual accounts.
- Is SCHOEPS profitable?
- In financial year 2025, SCHOEPS made a profit of €675,077.
- Where can I find the annual accounts of SCHOEPS?
- SCHOEPS filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SCHOEPS due?
- SCHOEPS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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