SCHUITEN GAEL
ActiveSummary
SCHUITEN GAEL has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €7k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 53% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+3
Solvency71▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.96 in 2024; short-term debt: 40.6% and cash: 56.6% of total assets), but 54.2% of the assets are financed with debt.
Credit check 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
45.8%
Return on assets
4.2%
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 €73k
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
27 d early
2023
22 d late
2022
29 d late
2021
16 d late
2020
30 d late
2019
19 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€7k▲ 171%
2024 · €2k
2018: €13k
2019: €50
2020: €-600
2021: €-932
2022: €31
2023: €313
2024: €2k
2018 → 2025
Working capital
€55k▲ 41.1%
2024 · €39k
2018: €46k
2019: €43k
2020: €45k
2021: €56k
2022: €55k
2023: €37k
2024: €39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€64k=€64k▲ 0.5%€67k▲ 3.8%€73k▲ 10.0%
Operating result€1k-€1k▼ 13.4%€2k▲ 45.1%€4k▲ 135%€14k▲ 275%
Net result€-932-€31€313▲ 919%€2k▲ 682%€7k▲ 171%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 275% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160k
Fixed assets
€40k ▼ 34.0%
Current assets
€120k ▲ 51.0%
Equity and liabilities €160k
Equity
€73k ▲ 10.0%
Debt
€87k ▲ 17.7%
Debt's share of the balance-sheet total rises from 52.5% to 54.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€42k▲
2024 · €21k
Cash flow
€35k▲
2024 · €19k
Current ratio
1.84▼
2024 · 1.96
Quick ratio
1.77▲
2024 · 1.72
Debt to equity
1.18▲
2024 · 1.11
ROE
9.1%▲
2024 · 3.7%
ROA
4.2%▲
2024 · 1.7%
Interest coverage
19.72▼
2024 · 117.20
Debt ≤ 1 year
€65k▲
2024 · €40k
Debt > 1 year
€22k▼
2024 · €32k
Income taxes
€3k▲
2024 · €1k
Staff costs
€204k▲
2024 · €200k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€140k€160k▲
Fixed assets21/28€61k€40k▼
Tangible fixed assets22/27€58k€40k▼
Plant, machinery and equipment23-€846
Furniture and vehicles24€58k€39k▼
Financial fixed assets28€3k-
Current assets29/58€79k€120k▲
Stocks and contracts in progress3€10k€5k▼
Stocks30/36€10k€5k▼
Amounts receivable within one year40/41€17k€24k▲
Trade receivables40€10k€15k▲
Other amounts receivable41€7k€9k▲
Cash at bank and in hand54/58€48k€90k▲
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€140k€160k▲
Equity10/15€67k€73k▲
Contributions10/11€19k€19k=
Reserves13€12k€19k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€10k€17k▲
Profit (loss) carried forward14€35k€35k=
Amounts payable17/49€74k€87k▲
Amounts payable after more than one year17€32k€22k▼
Trade debts175€32k€22k▼
Amounts payable within one year42/48€40k€65k▲
Current portion of amounts payable after more than one year42€13k€12k▼
Trade debts44€10k€24k▲
Suppliers440/4€10k€24k▲
Taxes, remuneration and social security45€17k€28k▲
Taxes450/3€1k€3k▲
Remuneration and social security454/9€16k€25k▲
Other amounts payable47/48-€830
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Non-recurring operating income76A€539€107▼
Remuneration, social security and pensions62€200k€204k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€28k▲
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€2k€94▼
Gross operating margin9900€223k€248k▲
Operating profit (loss)9901€4k€14k▲
Financial income75/76B€148€8▼
Recurring financial income75€148€8▼
Financial charges65/66B€176€5k▲
Recurring financial charges65€176€2k▲
Non-recurring financial charges66B-€3k
Profit (loss) for the period before taxes9903€4k€10k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€2k€7k▲
Profit (loss) for the period to be appropriated9905€2k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€42k▲
Profit (loss) brought forward from the previous period14P€35k€35k=
Transfer to equity691/2€2k€7k▲
To other reserves6921€2k€7k▲
The notes to these accounts (11 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Back to profitnet €31
Net result €31 after 2 loss-making years.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Weakest financial yearnet €-932
Net result drops to €-932, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 19 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 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, Schaarbeek · 1 establishment unit since 2001
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.
Huart Hamoirlaan 811030 SchaarbeekGround area
97 m²
Building footprint
100 m²
Volume, LiDAR
1,467 m³
Parcel 21015A0075/00S004, Brussels · tallest building 19.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SCHUITEN GAEL SPRL
since 20012.094.467.946
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21015A0075/00S004 | Brussels | 97 m² | 1 · 100 m² | 19.0 m · 5 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.
Similar companies · same sector, comparable size
MI3E CONSTRUCTION
BE 1004.276.632
Machelen (Brab.) · Eq €73,126
VCR CONSTRUCT
BE 1021.056.840
Honnelles · Eq €73,170
MARIUS PRO CONSTRUCT
BE 1011.823.628
Evere · Eq €73,107
J.P.L. SERVICE
BE 0454.270.794
Hoegaarden · Eq €73,104
COIMGEST
BE 0827.955.178
Chaumont-Gistoux · Eq €73,100
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,234 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-07-2001
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.