SCHOTSMANS
ActiveSCHOTSMANS has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €9k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 90% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-43
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 7.15 against 6.48 in 2024; short-term debt: 14% and cash: 4.1% of total assets), and 14% of the assets are financed with debt.
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
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
86%
Return on assets
7.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €105k
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
30 d late
2023
30 d late
2022
30 d late
2021
26 d late
2020
22 d early
2019
84 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▲ 9.9%
2024 · €96k
2018: €79k
2019: €88k
2020: €82k
2021: €80k
2022: €82k
2023: €62k
2024: €96k
2018 → 2025
Total assets
€122k▲ 8.0%
2024 · €113k
2018: €94k
2019: €97k
2020: €99k
2021: €94k
2022: €104k
2023: €78k
2024: €113k
2018 → 2025
Net result
€9k▼ 71.7%
2024 · €33k
2018: €-3k
2019: €9k
2020: €-5k
2021: €-2k
2022: €2k
2023: €-21k
2024: €33k
2018 → 2025
Working capital
€105k▲ 9.8%
2024 · €95k
2018: €78k
2019: €89k
2020: €81k
2021: €83k
2022: €79k
2023: €69k
2024: €95k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€82k▲ 2.5%€62k▼ 25.0%€96k▲ 55.0%€105k▲ 9.9%
Operating result€-3k-€1k€-21k€31k€11k▼ 65.0%
Net result€-2k-€2k€-21k€33k€9k▼ 71.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€99=
Current assets
€122k▲ 8.0%
Equity and liabilities €122k
Equity
€105k▲ 9.9%
Debt
€17k▼ 2.4%
The debt ratio falls from 15.5% to 14.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
86.0%▲
2024 · 84.5%
Current ratio
7.15▲
2024 · 6.48
Quick ratio
6.76▲
2024 · 6.10
Debt / equity
0.16▼
2024 · 0.18
ROE
9.0%▼
2024 · 34.8%
ROA
7.7%▼
2024 · 29.5%
Debt
€17k▼
2024 · €17k
Debt ≤ 1 year
€17k▼
2024 · €17k
Income taxes
€1k
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€113k€122k▲
Fixed assets21/28€99€99=
Financial fixed assets28€99€99=
Current assets29/58€113k€122k▲
Amounts receivable after more than one year29€25k€25k=
Other amounts receivable291€25k€25k=
Stocks and contracts in progress3€7k€7k=
Stocks30/36€7k€7k=
Amounts receivable within one year40/41€79k€85k▲
Trade receivables40€19k€22k▲
Other amounts receivable41€60k€63k▲
Cash at bank and in hand54/58€680€5k▲
Deferred charges and accrued income490/1€2k€455▼
Equity and liabilities
Total equity and liabilities10/49€113k€122k▲
Equity10/15€96k€105k▲
Contributions10/11€9k€9k=
Reserves13€26k€26k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€61k€70k▲
Amounts payable17/49€17k€17k▼
Amounts payable within one year42/48€17k€17k▼
Trade debts44€17k€12k▼
Suppliers440/4€17k€12k▼
Taxes, remuneration and social security45-€5k
Taxes450/3-€1k
Remuneration and social security454/9-€3k
Accrued charges and deferred income492/3€32-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€833-
Other operating charges640/8€697€506▼
Gross operating margin9900€33k€12k▼
Operating profit (loss)9901€31k€11k▼
Financial income75/76B€2k€0▼
Recurring financial income75€2k€0▼
Financial charges65/66B€555€145▼
Recurring financial charges65€555€145▼
Profit (loss) for the period before taxes9903€33k€11k▼
Income taxes67/77-€1k
Profit (loss) for the period9904€33k€9k▼
Profit (loss) for the period to be appropriated9905€33k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€70k▲
Profit (loss) brought forward from the previous period14P€27k€61k▲
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
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Equity above €100kEq €105k ▲9.9%
2 profitable years in a row build equity to €105k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-21k ▼1109%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Scherpenheuvel-Zichem · 1 establishment unit since 1978
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.
Kerkstraat 433270 Scherpenheuvel-ZichemGround area
4,989 m²
Building footprint
439 m²
Volume, LiDAR
2,239 m³
2 parcels, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kerkstraat 15, 3270 Scherpenheuvel-Zichem
since 19782.015.321.092
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24098B0386/00V002 | Flanders | 3,006 m² | 1 · 260 m² | 8.7 m · 2 fl. |
| 24098B0385/00R000 | Flanders | 1,982 m² | 1 · 179 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
SUYS - BRUGGEMAN
BE 0428.553.225
Lokeren · Eq €105k
De Maatfabriek
BE 0790.686.689
Jabbeke · Eq €105k
KP Concept
BE 0733.558.936
Zottegem · Eq €105k
F. BRUNET CREATIONS
BE 0437.908.280
Yvoir · Eq €105k
CVA
BE 0547.802.352
Fleurus · Eq €105k
Of 20,025 companies in sector 43320 we hold annual accounts for 9,135. 7,714 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-09-1978
Fiscal year end31-12
Abbreviation NL
M.V.T.
Activities, NACEBEL
43320Joinery installation
45421
31001Manufacture of furniture
36122
46711Wholesale of cars and light vans (up to 3.5 tonnes)
50101
Sources
Crossroads Bank for EnterprisesNational Bank · 47 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.