Schul Jeroen

Active

Private limited companyfounded 20205 yrs activeSpartalaan 6, 2980 Zoersel, BelgiumKBO/BCE: BE 0759.523.955

The computed 12-month bankruptcy probability of Schul Jeroen is 2.3% (moderate). The 2024 annual accounts show equity of €168k and a net result of €8k. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 36377 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

86 / 100

Excellent▼ -7 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability23▼-36

Solvency100=

Growth52=

Stability94

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €14k at 30 days acceptable

Liquidity ample (current ratio 10.39 against 8.51 in 2023), and 9.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-08-2025, 7 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 · 4 filings

Deviation from the deadline

2025

not confirmed

2024

7 d late

2023

7 d late

2022

33 d early

2021

19 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€168k▲ 4.9%

2023 · €160k

2021: €104k 2022: €142k 2023: €160k

2021 → 2024

Total assets

€186k▼ 3.3%

2023 · €192k

2021: €169k 2022: €196k 2023: €192k

2021 → 2024

Net result

€8k▼ 58.7%

2023 · €19k

2021: €89k 2022: €38k 2023: €19k

2021 → 2024

Working capital

€143k▼ 6.2%

2023 · €153k

2021: €95k 2022: €134k 2023: €153k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€104k-€142k▲ 36.5%€160k▲ 13.3%€168k▲ 4.9%

Operating result€125k-€54k▼ 57.0%€28k▼ 48.6%€12k▼ 55.0%

Net result€89k-€38k▼ 57.4%€19k▼ 50.1%€8k▼ 58.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen three years in a row; 2024 is 55% below 2023 and is the lowest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €186k

14.7%

85.3%

Fixed assets €27k▲ 43.6%

Current assets €158k▼ 8.4%

Equity and liabilities €186k

90.6%

Equity €168k▲ 4.9%

Debt €18k▼ 44.6%

The debt ratio falls from 16.5% to 9.4%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€25k▼

2023 · €36k

Cash flow

€20k▼

2023 · €28k

Solvency

90.6%▲

2023 · 83.5%

Current ratio

10.39▲

2023 · 8.51

Quick ratio

10.37▲

2023 · 8.36

Debt / equity

0.10▼

2023 · 0.20

ROE

4.6%▼

2023 · 11.8%

ROA

4.2%▼

2023 · 9.8%

Interest coverage

26.37▼

2023 · 44.60

Debt

€18k▼

2023 · €32k

Debt ≤ 1 year

€15k▼

2023 · €20k

Debt > 1 year

€2k▼

2023 · €11k

Income taxes

€5k▼

2023 · €9k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€192k€186k▼

Fixed assets21/28€19k€27k▲

Tangible fixed assets22/27€19k€27k▲

Plant, machinery and equipment23€1k€1k▲

Furniture and vehicles24€18k€26k▲

Current assets29/58€173k€158k▼

Stocks and contracts in progress3€3k€309▼

Stocks30/36€3k€309▼

Amounts receivable within one year40/41€6k€16k▲

Trade receivables40€2k€10k▲

Other amounts receivable41€4k€6k▲

Cash at bank and in hand54/58€160k€141k▼

Deferred charges and accrued income490/1€4k€941▼

Equity and liabilities

Total equity and liabilities10/49€192k€186k▼

Equity10/15€160k€168k▲

Contributions10/11€15k€15k=

Reserves13€145k€153k▲

Distributable reserves133€145k€153k▲

Amounts payable17/49€32k€18k▼

Amounts payable after more than one year17€11k€2k▼

Financial debts170/4€11k€2k▼

Amounts payable within one year42/48€20k€15k▼

Current portion of amounts payable after more than one year42€9k€9k▲

Trade debts44€5k€2k▼

Suppliers440/4€5k€2k▼

Advances received on contracts in progress46-€250

Taxes, remuneration and social security45€6k€4k▼

Taxes450/3€6k€4k▼

Accrued charges and deferred income492/3€10-

Income statement Code20232024

Non-recurring operating income76A-€86

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€12k▲

Other operating charges640/8€1k€1k=

Gross operating margin9900€38k€26k▼

Operating profit (loss)9901€28k€12k▼

Financial income75/76B€686€832▲

Recurring financial income75€686€832▲

Financial charges65/66B€814€941▲

Recurring financial charges65€814€941▲

Profit (loss) for the period before taxes9903€27k€12k▼

Income taxes67/77€9k€5k▼

Profit (loss) for the period9904€19k€8k▼

Profit (loss) for the period to be appropriated9905€19k€8k▼

Appropriation of the result

Profit (loss) to be appropriated9906€19k€8k▼

Transfer to equity691/2€19k€8k▼

To other reserves6921€19k€8k▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

2025

07-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 7 days late

2024

31-12

Financial Weakest financial yearnet €8k ▼58.7%

Net result drops to €8k, the lowest in the series.

07-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 7 days late

2023

31-12

Financial Equity above €150kEq €160k ▲13.3%

3 profitable years in a row build equity to €160k.

28-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

12-07

NBB filing Annual accounts filed

fiscal year 2021 · 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, Zoersel · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Spartalaan 62980 Zoersel

Ground area

546 m²

Building footprint

151 m²

Volume, LiDAR

582 m³

Parcel 11453I0030/00X000, Flanders · tallest building 5.5 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Schul Jeroen

Spartalaan 6, 2980 ZoerselManufacture of furniture

since 20202.310.391.233

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11453I0030/00X000	Flanders	546 m²	1 · 151 m²	5.5 m · 1 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

JOEPSAKEE

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INTERIEURINRICHTING HENRI JANSSENS

BE 0425.627.288

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Liedekerke · Eq €168k

WOODexpert

BE 0735.660.767

Aalst · Eq €168k

Of 19,948 companies in sector 43320 we hold annual accounts for 9,084. 7,525 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded07-12-2020

Fiscal year end31-12

Activities, NACEBEL

43320Joinery installation

43331Floor and wall tiling

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.