SCHOORHOUT
ActiveThe annual accounts of SCHOORHOUT for fiscal year 2024 show a net loss of 77% of the equity at the start of that year. The 2024 annual accounts show equity of €5k and a net result of €-17k. Equity is shrinking by ~22.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 23% of 15868 sector peers (fiscal year 2024). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability9▼-5
Solvency27▼-8
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.83 against 1.11 in 2023; short-term debt: 19.9% and cash: 15.5% of total assets), and 97.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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 2024Solvency, return and age of the figures
Solvency
2.4%
Return on assets
-8%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-17k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 15868 sector peers (2024).
NBB · sector comparisonPosition among 15868 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
70 d early
2022
42 d early
2021
41 d early
2020
40 d early
2019
39 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€5k▼ 77.1%
2023 · €23k
2018: €58k
2019: €53k
2020: €48k
2021: €37k
2022: €31k
2023: €23k
2018 → 2024
Total assets
€219k▼ 7.2%
2023 · €236k
2018: €278k
2019: €266k
2020: €261k
2021: €249k
2022: €245k
2023: €236k
2018 → 2024
Net result
€-17k▼ 101%
2023 · €-9k
2018: €-13k
2019: €-5k
2020: €-6k
2021: €-11k
2022: €-5k
2023: €-9k
2018 → 2024
Working capital
€-7k
2023 · €5k
2018: €47k
2019: €37k
2020: €34k
2021: €13k
2022: €8k
2023: €5k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€48k-€37k▼ 23.7%€31k▼ 14.2%€23k▼ 27.7%€5k▼ 77.1%
Operating result€-5k-€-11k▼ 110%€-5k▲ 55.5%€-8k▼ 70.7%€-17k▼ 104%
Net result€-6k-€-11k▼ 106%€-5k▲ 54.3%€-9k▼ 67.7%€-17k▼ 101%
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 €17k in 2024 against €8k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €219k
Fixed assets
€183k▼ 2.8%
Current assets
€36k▼ 24.7%
Equity and liabilities €219k
Equity
€5k▼ 77.1%
Debt
€213k▲ 0.2%
The debt ratio rises from 90.4% to 97.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-12k▼
2023 · €-3k
Cash flow
€-12k▼
2023 · €-3k
Solvency
2.4%▼
2023 · 9.6%
Current ratio
0.83▼
2023 · 1.11
Quick ratio
0.83▼
2023 · 1.11
Debt / equity
41.12▲
2023 · 9.39
ROE
-337.1%▼
2023 · -38.3%
ROA
-8.0%▼
2023 · -3.7%
Interest coverage
-266.48▼
2023 · -70.92
Debt
€213k▲
2023 · €213k
Debt ≤ 1 year
€43k▲
2023 · €43k
Debt > 1 year
€170k=
2023 · €170k
Income taxes
€211▲
2023 · €204
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€236k€219k▼
Fixed assets21/28€188k€183k▼
Tangible fixed assets22/27€188k€183k▼
Land and buildings22€159k€154k▼
Plant, machinery and equipment23€20k€20k=
Furniture and vehicles24€8k€8k=
Current assets29/58€48k€36k▼
Amounts receivable within one year40/41€413€1k▲
Trade receivables40€210€68▼
Other amounts receivable41€203€1k▲
Cash at bank and in hand54/58€46k€34k▼
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€236k€219k▼
Equity10/15€23k€5k▼
Contributions10/11€238k€238k=
Capital10€238k€238k=
Issued capital100€238k€238k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Legal reserve130€1k€1k=
Profit (loss) carried forward14€-217k€-234k▼
Amounts payable17/49€213k€213k▲
Amounts payable after more than one year17€170k€170k=
Financial debts170/4€170k€170k=
Amounts payable within one year42/48€43k€43k▲
Trade debts44€574€1k▲
Suppliers440/4€574€1k▲
Taxes, remuneration and social security45€395€211▼
Taxes450/3€395€211▼
Other amounts payable47/48€42k€42k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8-€173
Gross operating margin9900€-3k€-12k▼
Operating profit (loss)9901€-8k€-17k▼
Financial charges65/66B€45€45=
Recurring financial charges65€45€45=
Profit (loss) for the period before taxes9903€-8k€-17k▼
Income taxes67/77€204€211▲
Profit (loss) for the period9904€-9k€-17k▼
Profit (loss) for the period to be appropriated9905€-9k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-217k€-234k▼
Profit (loss) brought forward from the previous period14P€-208k€-217k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series.
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Asse · 1 establishment unit since 1993
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.
Hoogpoort 91730 AsseGround area
220 m²
Building footprint
220 m²
Volume, LiDAR
825 m³
Parcel 23322E0509/00L003, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Hoogpoort 9, 1730 Asse
since 19932.061.988.683
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23322E0509/00L003 | Flanders | 220 m² | 1 · 220 m² | 6.9 m · 1 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.
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Of 6,156 companies in sector 46190 we hold annual accounts for 2,571. 985 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-03-1993
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.