Financials
- Fiscal year
- 2024
- Total assets
- €28,537
- Loss
- -€3,572
- Solvency
- 98.1%
Total assets▼ 13.2%
Net result
20182024
SCHOUW TMC
ActiveSummary
The computed 12-month bankruptcy probability of SCHOUW TMC is 1.7% (moderate). The 2024 annual accounts show equity of €28,000 and a net result of -€3,572. Equity is shrinking by ~5.3% per year across the filed fiscal years. The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Activity not known1 site
Size
€28,537total assets 2024
- Equity
- €28,000
- Loss
- -€3,572
Turnover not published (abridged schema)
Structure
Accounts 63 d overdue0 of 1 deed read
Why 55- No main activity registered- 1 financial year not filed after the legal deadline; latest accounts 28 days late; 2 of the last 3 late+ Founded in 2011+ Size: total assets €28,537Show the evidence
Checked score
Score 2024
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 46% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Strong
Solvency
100=
equity 98.1% of total assets
Liquidity
73-27
short-term debt 1.9% · cash 18.5%
Profitability
6+6
return on assets -12.5%
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 16 months
07-2025: 0.9%lowest value
08-2025: 1.1%▲ +19.0% vs 07-2025
09-2025: 1.2%▲ +8.3% vs 08-2025
10-2025: 1.2%● 0.0% vs 09-2025
11-2025: 1.2%● 0.0% vs 10-2025
12-2025: 1.2%● 0.0% vs 11-2025
01-2026: 1.2%▼ -0.7% vs 12-2025
02-2026: 1.2%● 0.0% vs 01-2026
03-2026: 1.2%▲ +1.0% vs 02-2026
04-2026: 1.2%▲ +1.2% vs 03-2026
05-2026: 1.2%▼ -6.7% vs 04-2026
06-2026: 1.2%▼ -0.4% vs 05-2026
07-2026: 1.1%▼ -3.0% vs 06-2026
08-2026: 1.3%▲ +16.6% vs 07-2026
09-2026: 1.3%▼ -0.2% vs 08-2026
10-2026: 1.7%▲ +29.6% vs 09-2026highest value
- No main activity registered raises the probability
- Founded in 2011 lowers the probability for this profile
- Size: total assets €28,537 lowers the probability for this profile
- 1 financial year not filed after the legal deadline; latest accounts 28 days late; 2 of the last 3 late raises the probability
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 53.16 against 25.34 in 2023; short-term debt: 1.9% and cash: 18.5% of total assets), and 1.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 68%, profitability 10%, growth against the median 23%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 -€3,572
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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
not confirmed
2024
28 d late
2023
57 d late
2022
60 d late
2021
31 d late
2020
16 d early
2019
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 6 accounts on average 25 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Liquidity doublescurrent ratio 53.16
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2016
- 28-08-2025Annual accounts filed
- 31-12-2024Liquidity doubles
- 26-09-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Founded
- 03-02-2011
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
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