SCHOPS
ActiveSummary
SCHOPS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.7m and a net result of €410,073. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 1049 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability97▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160,000 at 30 days acceptable
Liquidity ample (current ratio 10.03 against 10.03 in 2024; short-term debt: 8.6% and cash: 68.2% of total assets), and 8.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
91.4%
Return on assets
22.5%
Age of the figures
9 mo
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
13 d late
2022
4 d late
2021
25 d late
2020
30 d late
2019
24 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 22 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#2 company by equity in Heusden-Zolder, Other services sector#3 company by total assets in Heusden-Zolder, Other services sector
Equity
€1.7m▲ 11.4%
2024 · €1.5m
Total assets
€1.8m▲ 11.4%
2024 · €1.6m
Net result
€410,073▲ 1.0%
2024 · €406,182
Working capital
€1.4m▲ 11.2%
2024 · €1.3m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€224,392▲ 500%€409,565▲ 82.5%€386,002▼ 5.8%€595,751▲ 54.3%€543,417▼ 8.8%
Net result€153,281▲ 488%€281,208▲ 83.5%€261,867▼ 6.9%€406,182▲ 55.1%€410,073▲ 1.0%
Equity€720,076▲ 7.0%€964,229▲ 33.9%€1.2m▲ 20.2%€1.5m▲ 29.3%€1.7m▲ 11.4%
Total assets€1.0m▲ 0.5%€1.3m▲ 28.3%€1.4m▲ 5.7%€1.6m▲ 17.4%€1.8m▲ 11.4%
Debt€309,127▼ 11.9%€356,508▲ 15.3%€237,686▼ 33.3%€140,906▼ 40.7%€156,635▲ 11.2%
Working capital€445,699▲ 22.5%€674,938▲ 51.4%€902,834▲ 33.8%€1.3m▲ 40.9%€1.4m▲ 11.2%
Staff (FTE)2.6=2.6=2.1▼ 19.2%2.1=2.4▲ 14.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Why a figure moved sharply
- 2024 Net result +55% on 2023. Cause not known from the registers.
- 2022 Net result +83% on 2021. Cause not known from the registers.
- 2021 Net result +488% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.8m
Fixed assets
€254,624 ▲ 12.5%
Current assets
€1.6m ▲ 11.2%
Equity and liabilities €1.8m
Equity
€1.7m ▲ 11.4%
Debt
€156,635 ▲ 11.2%
Debt's share of the balance-sheet total stays at 8.6%.
Key figures and ratios
EBITDA
€581,188▼
2024 · €635,117
Cash flow
€447,843▲
2024 · €445,547
Current ratio
10.03=
2024 · 10.03
Quick ratio
9.63▲
2024 · 9.59
Debt to equity
0.09▼
2024 · 0.09
ROE
24.6%▼
2024 · 27.1%
ROA
22.5%▼
2024 · 24.8%
Interest coverage
133.94▲
2024 · 125.79
Debt ≤ 1 year
€156,635▲
2024 · €140,906
Income taxes
€129,853▼
2024 · €185,496
Staff costs
€164,068▲
2024 · €148,142
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €3,211 | €2,170 | €16,139 | €22,554 | €1,755 | ▼ 92.2% |
| Remuneration, social security and pensions62 | €159,469 | €178,363 | €143,856 | €148,142 | €164,068 | ▲ 10.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €137,898 | €126,870 | €89,778 | €39,365 | €37,771 | ▼ 4.1% |
| Other operating charges640/8 | €7,961 | €21,983 | €12,739 | €16,915 | €13,512 | ▼ 20.1% |
| Non-recurring operating charges66A | €732 | €11,945 | €1,556 | €942 | €195 | ▼ 79.3% |
| Gross operating margin9900 | €530,451 | €748,726 | €633,931 | €801,116 | €758,962 | ▼ 5.3% |
| Operating profit (loss)9901 | €224,392 | €409,565 | €386,002 | €595,751 | €543,417 | ▼ 8.8% |
| Financial income75/76B | - | €1,388 | €664 | €976 | €847 | ▼ 13.2% |
| Recurring financial income75 | - | €1,388 | €664 | €976 | €847 | ▼ 13.2% |
| Financial charges65/66B | €4,690 | €4,811 | €6,977 | €5,049 | €4,339 | ▼ 14.1% |
| Recurring financial charges65 | €4,690 | €4,811 | €6,977 | €5,049 | €4,339 | ▼ 14.1% |
| Profit (loss) for the period before taxes9903 | €219,702 | €406,143 | €379,689 | €591,678 | €539,925 | ▼ 8.7% |
| Income taxes67/77 | €66,420 | €124,935 | €117,822 | €185,496 | €129,853 | ▼ 30.0% |
| Profit (loss) for the period9904 | €153,281 | €281,208 | €261,867 | €406,182 | €410,073 | ▲ 1.0% |
| Profit (loss) for the period to be appropriated9905 | €153,281 | €281,208 | €261,867 | €406,182 | €410,073 | ▲ 1.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.0m | €1.3m | €1.4m | €1.6m | €1.8m | ▲ 11.4% |
| Fixed assets21/28 | €381,585 | €341,167 | €258,294 | €226,431 | €254,624 | ▲ 12.5% |
| Tangible fixed assets22/27 | €374,338 | €333,920 | €251,048 | €219,185 | €247,377 | ▲ 12.9% |
| Land and buildings22 | €183,600 | €177,404 | €164,206 | €160,826 | €149,562 | ▼ 7.0% |
| Plant, machinery and equipment23 | €14,292 | €12,326 | €12,137 | €10,173 | €6,110 | ▼ 39.9% |
| Furniture and vehicles24 | €176,446 | €144,191 | €74,704 | €48,187 | €91,705 | ▲ 90.3% |
| Financial fixed assets28 | €7,247 | €7,247 | €7,247 | €7,247 | €7,247 | = |
| Current assets29/58 | €647,618 | €979,570 | €1.1m | €1.4m | €1.6m | ▲ 11.2% |
| Amounts receivable after more than one year29 | €9,536 | €2,246 | €0 | - | - | - |
| Other amounts receivable291 | €9,536 | €2,246 | €0 | - | - | - |
| Stocks and contracts in progress3 | €63,958 | €70,384 | €63,070 | €61,918 | €61,957 | ▲ 0.1% |
| Stocks30/36 | €63,958 | €70,384 | €63,070 | €61,918 | €61,957 | ▲ 0.1% |
| Amounts receivable within one year40/41 | €146,969 | €303,617 | €189,413 | €198,356 | €257,991 | ▲ 30.1% |
| Trade receivables40 | €144,957 | €295,684 | €177,928 | €189,758 | €247,566 | ▲ 30.5% |
| Other amounts receivable41 | €2,011 | €7,933 | €11,486 | €8,598 | €10,425 | ▲ 21.3% |
| Cash at bank and in hand54/58 | €420,928 | €597,297 | €878,233 | €1.1m | €1.2m | ▲ 8.6% |
| Deferred charges and accrued income490/1 | €6,227 | €6,028 | €7,438 | €7,208 | €6,559 | ▼ 9.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.0m | €1.3m | €1.4m | €1.6m | €1.8m | ▲ 11.4% |
| Equity10/15 | €720,076 | €964,229 | €1.2m | €1.5m | €1.7m | ▲ 11.4% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €701,476 | €945,629 | €1.1m | €1.5m | €1.7m | ▲ 11.5% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Tax-exempt reserves132 | €211,897 | €211,897 | €211,897 | €211,897 | €211,897 | = |
| Distributable reserves133 | €487,720 | €731,872 | €928,267 | €1.3m | €1.4m | ▲ 13.5% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €309,127 | €356,508 | €237,686 | €140,906 | €156,635 | ▲ 11.2% |
| Amounts payable after more than one year17 | €107,207 | €51,876 | €2,364 | €0 | - | - |
| Financial debts170/4 | €107,207 | €51,876 | €2,364 | €0 | - | - |
| Amounts payable within one year42/48 | €201,920 | €304,632 | €235,321 | €140,906 | €156,635 | ▲ 11.2% |
| Current portion of amounts payable after more than one year42 | €75,718 | €85,735 | €49,511 | €2,364 | €0 | ▼ 100% |
| Trade debts44 | €70,239 | €120,505 | €112,566 | €57,480 | €40,090 | ▼ 30.3% |
| Suppliers440/4 | €70,239 | €120,505 | €112,566 | €57,480 | €40,090 | ▼ 30.3% |
| Advances received on contracts in progress46 | - | - | €6,421 | €0 | €10,261 | - |
| Taxes, remuneration and social security45 | €55,963 | €98,393 | €66,823 | €81,062 | €106,284 | ▲ 31.1% |
| Taxes450/3 | €32,739 | €75,973 | €45,958 | €59,008 | €78,178 | ▲ 32.5% |
| Remuneration and social security454/9 | €23,224 | €22,420 | €20,865 | €22,053 | €28,106 | ▲ 27.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €153,281 | €281,208 | €261,867 | €406,182 | €410,073 | ▲ 1.0% |
| + Depreciation and write-downs630 | €137,898 | €126,870 | €89,778 | €39,365 | €37,771 | ▼ 4.1% |
| Operating cash flow (approximation) | €291,179 | €408,077 | €351,645 | €445,547 | €447,843 | ▲ 0.5% |
| Investment in fixed assets (approximation) | - | -€86,452 | -€6,906 | -€7,502 | -€65,963 | ▼ 779% |
| Change in cash | - | €176,368 | €280,936 | €267,209 | €99,063 | ▼ 62.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €410,073 ▲1%
Net result €410,073, the highest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 10.03
Current ratio from 4.84 to 10.03; short-term debt falls from €235,321 to €140,906.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 13 days late
2023
31-12
Financial
Equity above €1mEq €1.2m ▲20.2%
6 profitable years in a row build equity to €1.2m.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 4 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €26,062 ▼71.1%
Net result drops to €26,062, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 6 days late
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Heusden-Zolder · 1 establishment unit since 2001
Ground area
3,779 m²
Building footprint
705 m²
Volume, LiDAR
3,702 m³
Parcel 71025A2000/00V002, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARROSSERIE EN DEPANNAGE GEERT SCHOPS BVBA
since 20012.093.263.760
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71025A2000/00V002 | Flanders | 3,779 m² | 1 · 705 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 50 EUR awarded · 50 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 50 EUR | 50 EUR |
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Of 1,876 companies in sector 95314 we hold annual accounts for 847. 407 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-06-2001
Fiscal year end31-12
Activities, NACEBEL 2025
95314Bodywork repair (including spraying and painting)
52210Service activities incidental to land transportation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474949909
Registered
29-04-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.