SCHOPERCA
ActiveSCHOPERCA has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €8k. Equity is growing by ~19.5% per year across the filed fiscal years. Its solvency ranks better than 67% of 11195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▲+24
Solvency99▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.13 against 3.13 in 2024), and 36.6% of the assets are financed with debt.
Credit advice for your own amount and term
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 46
Relative position
BE, all sectors
reference
Sector 46
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
63.4%
Return on assets
6.1%
Age of the figures
8 mo
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 03-06-2026, 58 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
58 d early
2024
59 d early
2023
79 d early
2022
60 d early
2021
72 d early
2020
63 d early
2019
81 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€79k▲ 10.7%
2024 · €71k
2018: €12k
2019: €20k
2020: €33k
2021: €51k
2022: €48k
2023: €68k
2024: €71k
2018 → 2025
Total assets
€125k▼ 1.4%
2024 · €127k
2018: €75k
2019: €84k
2020: €83k
2021: €118k
2022: €112k
2023: €124k
2024: €127k
2018 → 2025
Net result
€8k▲ 125%
2024 · €3k
2018: €2k
2019: €8k
2020: €13k
2021: €18k
2022: €-3k
2023: €20k
2024: €3k
2018 → 2025
Working capital
€89k▲ 12.2%
2024 · €79k
2018: €32k
2019: €38k
2020: €40k
2021: €60k
2022: €57k
2023: €77k
2024: €79k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€48k▼ 5.9%€68k▲ 40.8%€71k▲ 5.0%€79k▲ 10.7%
Operating result€28k-€-2k€32k€7k▼ 78.2%€14k▲ 95.0%
Net result€18k-€-3k€20k€3k▼ 82.7%€8k▲ 125%
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 95% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€7k▼ 26.5%
Current assets
€118k▲ 0.7%
Equity and liabilities €125k
Equity
€79k▲ 10.7%
Debt
€46k▼ 17.1%
The debt ratio falls from 43.5% to 36.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€17k▲
2024 · €10k
Cash flow
€11k▲
2024 · €7k
Solvency
63.4%▲
2024 · 56.5%
Current ratio
4.13▲
2024 · 3.13
Quick ratio
3.03▲
2024 · 2.55
Debt / equity
0.58▼
2024 · 0.77
ROE
9.7%▲
2024 · 4.8%
ROA
6.1%▲
2024 · 2.7%
Interest coverage
10.01▲
2024 · 5.60
Debt
€46k▼
2024 · €55k
Debt ≤ 1 year
€28k▼
2024 · €37k
Debt > 1 year
€16k=
2024 · €16k
Income taxes
€4k▲
2024 · €2k
Staff costs
€101▲
2024 · €88
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€127k€125k▼
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€10k€7k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€1k€808▼
Financial fixed assets28€222€222=
Current assets29/58€117k€118k▲
Stocks and contracts in progress3€21k€31k▲
Stocks30/36€21k€31k▲
Amounts receivable within one year40/41€29k€7k▼
Trade receivables40€21k€7k▼
Other amounts receivable41€8k€0▼
Cash at bank and in hand54/58€65k€78k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€127k€125k▼
Equity10/15€71k€79k▲
Contributions10/11€10k€10k=
Reserves13€43k€51k▲
Distributable reserves133€43k€51k▲
Profit (loss) carried forward14€18k€18k=
Amounts payable17/49€55k€46k▼
Amounts payable after more than one year17€16k€16k=
Financial debts170/4€16k€16k=
Amounts payable within one year42/48€37k€28k▼
Trade debts44€25k€12k▼
Suppliers440/4€25k€12k▼
Taxes, remuneration and social security45€11k€17k▲
Taxes450/3€10k€14k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€1k€90▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€88€101▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€633€741▲
Gross operating margin9900€11k€18k▲
Operating profit (loss)9901€7k€14k▲
Financial income75/76B€26€210▲
Recurring financial income75€26€210▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€5k€12k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€3k€8k▲
Profit (loss) for the period to be appropriated9905€3k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€26k▲
Profit (loss) brought forward from the previous period14P€15k€18k▲
Transfer to equity691/2€0€8k▲
To other reserves6921€0€8k▲
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
2026
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-3k ▼116%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Aalst · 1 establishment unit since 2017
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.
Nieuwstraat 199300 AalstGround area
153 m²
Building footprint
138 m²
Volume, LiDAR
1,252 m³
Parcel 41002A0259/00B000, Flanders · tallest building 15.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SCHOPERCA
since 20172.262.382.369
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41002A0259/00B000 | Flanders | 153 m² | 1 · 138 m² | 15.4 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 siteAalst2.262.382.369
Similar companies · same sector, comparable size
PRESSTO
BE 0757.939.390
Wemmel · Eq €79k
COMILIOS
BE 0793.567.292
Lens (Hainaut) · Eq €79k
INTER DESIGN
BE 0475.294.159
Damme · Eq €79k
En Passant
BE 1018.893.443
Menen · Eq €80k
EMMANUEL DUBOIS CONSULTING
BE 0760.482.077
Oudergem · Eq €79k
Of 6,127 companies in sector 46190 we hold annual accounts for 2,554. 1,944 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2017
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.