SCHOGEKA
ActiveSCHOGEKA has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-12k) and a net result of €-5k. Equity is shrinking by ~47.1% per year across the filed fiscal years. Its solvency ranks better than 16% of 18035 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency33=
Growth32=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.24 against 0.3 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-24.1%
Return on assets
-10.4%
Age of the figures
15 mo
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 · 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
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€12k
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 23-12-2025, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
25 d early
2023
48 d early
2022
11 d early
2021
5 d early
2020
27 d early
2019
44 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-12k▼ 75.8%
2024 · €-7k
2019: €38k
2020: €45k
2021: €41k
2022: €24k
2023: €10k
2024: €-7k
2019 → 2025
Total assets
€50k▼ 15.1%
2024 · €59k
2019: €72k
2020: €84k
2021: €70k
2022: €64k
2023: €59k
2024: €59k
2019 → 2025
Net result
€-5k▲ 68.7%
2024 · €-17k
2019: €7k
2020: €7k
2021: €-4k
2022: €-17k
2023: €-14k
2024: €-17k
2019 → 2025
Working capital
€-36k▼ 14.7%
2024 · €-32k
2019: €-6k
2020: €4k
2021: €-1k
2022: €-16k
2023: €-25k
2024: €-32k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€24k▼ 40.6%€10k▼ 59.7%€-7k€-12k▼ 75.8%
Operating result€-2k-€-15k▼ 646%€-13k▲ 12.0%€-14k▼ 6.1%€-2k▲ 85.7%
Net result€-4k-€-17k▼ 299%€-14k▲ 12.7%€-17k▼ 14.9%€-5k▲ 68.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €14k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€39k▼ 15.2%
Current assets
€11k▼ 14.7%
Key figures and ratios
EBITDA
€9k▲
2024 · €-3k
Cash flow
€6k▲
2024 · €-6k
Solvency
-24.1%▼
2024 · -11.6%
Current ratio
0.24▼
2024 · 0.30
Quick ratio
0.04▼
2024 · 0.11
Debt / equity
-5.15▲
2024 · -9.60
ROE
43.1%▼
2024 · 242.0%
ROA
-10.4%▲
2024 · -28.1%
Interest coverage
2.81▲
2024 · -0.90
Debt
€62k▼
2024 · €66k
Debt ≤ 1 year
€48k▲
2024 · €45k
Debt > 1 year
€14k▼
2024 · €21k
Staff costs
€84▼
2024 · €979
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€59k€50k▼
Fixed assets21/28€46k€39k▼
Tangible fixed assets22/27€45k€38k▼
Land and buildings22€31k€25k▼
Plant, machinery and equipment23€14k€14k▲
Furniture and vehicles24€300€25▼
Financial fixed assets28€173€173=
Current assets29/58€13k€11k▼
Stocks and contracts in progress3€9k€9k▲
Stocks30/36€9k€9k▲
Amounts receivable within one year40/41€694€4▼
Trade receivables40-€4
Other amounts receivable41€694-
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€59k€50k▼
Equity10/15€-7k€-12k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-29k€-34k▼
Amounts payable17/49€66k€62k▼
Amounts payable after more than one year17€21k€14k▼
Financial debts170/4€21k€14k▼
Amounts payable within one year42/48€45k€48k▲
Current portion of amounts payable after more than one year42€6k€8k▲
Trade debts44€13k€11k▼
Suppliers440/4€13k€11k▼
Taxes, remuneration and social security45€15k€17k▲
Taxes450/3-€195
Remuneration and social security454/9€15k€17k▲
Other amounts payable47/48€11k€11k▲
Income statement
Code20242025
Remuneration, social security and pensions62€979€84▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-142€12k▲
Operating profit (loss)9901€-14k€-2k▲
Financial income75/76B€18€46▲
Recurring financial income75€18€46▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-17k€-5k▲
Profit (loss) for the period9904€-17k€-5k▲
Profit (loss) for the period to be appropriated9905€-17k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-34k▼
Profit (loss) brought forward from the previous period14P€-12k€-29k▼
The notes to these accounts (9 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
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
2023
14-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
04-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
16-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lier · 1 establishment unit since 2001
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.
Kartuizersvest 692500 LierGround area
116 m²
Building footprint
117 m²
Volume, LiDAR
873 m³
Parcel 12021G0095/00E000, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kartuizersvest 69, 2500 Lier
since 20012.100.357.331
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12021G0095/00E000 | Flanders | 116 m² | 1 · 117 m² | 11.1 m · 3 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 siteLier2.100.357.331
Dual-learning approval
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Of 10,412 companies in sector 47110 we hold annual accounts for 5,786. 3,377 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2001
Fiscal year end30-06
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47113Retail trade
52112
52113
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.
Contact details
2 entriesE-mail:ronny.schoors@hotmail.be
Phone:034808115