Schrijnwerker Thomas
ActiveThe computed 12-month bankruptcy probability of Schrijnwerker Thomas is 2.2% (moderate). The 2025 annual accounts show equity of €199k and a net result of €72k. Equity is growing by ~55.9% per year across the filed fiscal years. Its solvency ranks better than 88% of 27450 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 6.19 against 7.74 in 2024; short-term debt: 16.1% and cash: 90.4% of total assets), and 16.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
83.9%
Return on assets
30.4%
Age of the figures
9 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 28-07-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
on the day
2023
on the day
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€199k▲ 56.8%
2024 · €127k
2023: €57k
2024: €127k
2023 → 2025
Total assets
€238k▲ 62.9%
2024 · €146k
2023: €74k
2024: €146k
2023 → 2025
Net result
€72k▲ 3.3%
2024 · €70k
2023: €54k
2024: €70k
2023 → 2025
Working capital
€199k▲ 57.5%
2024 · €126k
2023: €56k
2024: €126k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€57k-€127k▲ 122%€199k▲ 56.8%
Operating result€68k-€87k▲ 28.5%€90k▲ 3.2%
Net result€54k-€70k▲ 28.7%€72k▲ 3.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €238k
Fixed assets
€802▼ 25.5%
Current assets
€237k▲ 63.6%
Equity and liabilities €238k
Equity
€199k▲ 56.8%
Debt
€38k▲ 105%
The debt ratio rises from 12.8% to 16.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€91k▲
2024 · €88k
Cash flow
€72k▲
2024 · €70k
Solvency
83.9%▼
2024 · 87.2%
Current ratio
6.19▼
2024 · 7.74
Quick ratio
6.19▼
2024 · 7.74
Debt / equity
0.19▲
2024 · 0.15
ROE
36.2%▼
2024 · 54.9%
ROA
30.4%▼
2024 · 47.9%
Interest coverage
828.88▼
2024 · 1458.70
Debt
€38k▲
2024 · €19k
Debt ≤ 1 year
€38k▲
2024 · €19k
Income taxes
€18k▲
2024 · €18k
Staff costs
€95
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€146k€238k▲
Fixed assets21/28€1k€802▼
Tangible fixed assets22/27€1k€802▼
Plant, machinery and equipment23€1k€802▼
Current assets29/58€145k€237k▲
Amounts receivable within one year40/41€24k€22k▼
Trade receivables40€18k€13k▼
Other amounts receivable41€6k€9k▲
Cash at bank and in hand54/58€121k€215k▲
Equity and liabilities
Total equity and liabilities10/49€146k€238k▲
Equity10/15€127k€199k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€124k€196k▲
Amounts payable17/49€19k€38k▲
Amounts payable within one year42/48€19k€38k▲
Trade debts44€908€2k▲
Suppliers440/4€908€2k▲
Taxes, remuneration and social security45€18k€36k▲
Taxes450/3€18k€36k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€95
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€275€275=
Other operating charges640/8€498€627▲
Gross operating margin9900€88k€91k▲
Operating profit (loss)9901€87k€90k▲
Financial income75/76B€271€368▲
Recurring financial income75€271€368▲
Financial charges65/66B€60€109▲
Recurring financial charges65€60€109▲
Profit (loss) for the period before taxes9903€88k€91k▲
Income taxes67/77€18k€18k▲
Profit (loss) for the period9904€70k€72k▲
Profit (loss) for the period to be appropriated9905€70k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€124k€196k▲
Profit (loss) brought forward from the previous period14P€54k€124k▲
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €72k ▲3.3%
Operating result €90k, net result €72k, both a record.
31-12
Financial
Equity above €150kEq €199k ▲56.8%
3 profitable years in a row build equity to €199k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €127k ▲122%
2 profitable years in a row build equity to €127k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kalmthout · 1 establishment unit since 2023
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.
Kapelstraat (Ab) 582920 KalmthoutGround area
819 m²
Building footprint
163 m²
Volume, LiDAR
880 m³
Parcel 11662A0027/00P000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schrijnwerker Thomas
since 20232.348.327.933
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662A0027/00P000 | Flanders | 818 m² | 1 · 163 m² | 8.2 m · 2 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 15,543 companies in sector 43990 we hold annual accounts for 7,421. 5,856 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2023
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43120Site preparation
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
43320Joinery installation
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:thomashendrickx1@hotmail.com
Phone:0493/17 58 97