SCHUTYSER
ActiveSCHUTYSER has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €247k and a net result of €95k. Equity is growing by ~50.5% per year across the filed fiscal years. Its solvency ranks better than 90% of 10289 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
89
/ 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 record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 5.55 against 4.14 in 2024; short-term debt: 17.8% and cash: 23.9% of total assets), and 17.8% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
82.2%
Return on assets
31.5%
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
51 d early
2023
55 d early
2022
76 d early
2021
45 d early
2020
44 d early
2019
30 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€247k▲ 62.1%
2024 · €152k
2018: €13k
2019: €21k
2020: €37k
2021: €38k
2022: €47k
2023: €90k
2024: €152k
2018 → 2025
Total assets
€300k▲ 51.0%
2024 · €199k
2018: €19k
2019: €29k
2020: €51k
2021: €82k
2022: €95k
2023: €145k
2024: €199k
2018 → 2025
Net result
€95k▲ 51.0%
2024 · €63k
2018: €17k
2019: €7k
2020: €16k
2021: €26k
2022: €32k
2023: €42k
2024: €63k
2018 → 2025
Working capital
€243k▲ 66.3%
2024 · €146k
2018: €9k
2019: €17k
2020: €33k
2021: €31k
2022: €38k
2023: €83k
2024: €146k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€47k▲ 25.2%€90k▲ 90.1%€152k▲ 69.9%€247k▲ 62.1%
Operating result€38k-€47k▲ 25.0%€65k▲ 38.0%€93k▲ 41.6%€140k▲ 50.7%
Net result€26k-€32k▲ 22.9%€42k▲ 30.7%€63k▲ 47.6%€95k▲ 51.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 51% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €300k
Fixed assets
€4k▼ 35.7%
Current assets
€296k▲ 53.8%
Equity and liabilities €300k
Equity
€247k▲ 62.1%
Debt
€53k▲ 14.6%
The debt ratio falls from 23.4% to 17.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€140k▲
2024 · €94k
Cash flow
€95k▲
2024 · €64k
Solvency
82.2%▲
2024 · 76.6%
Current ratio
5.55▲
2024 · 4.14
Quick ratio
5.18▲
2024 · 3.80
Debt / equity
0.22▼
2024 · 0.31
ROE
38.3%▼
2024 · 41.2%
ROA
31.5%=
2024 · 31.5%
Interest coverage
90.89▲
2024 · 78.19
Debt
€53k▲
2024 · €47k
Debt ≤ 1 year
€53k▲
2024 · €47k
Income taxes
€46k▲
2024 · €31k
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€199k€300k▲
Formation expenses20-€0
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€2k€0▼
Plant, machinery and equipment23€2k€0▼
Furniture and vehicles24-€0
Financial fixed assets28€4k€4k=
Current assets29/58€193k€296k▲
Stocks and contracts in progress3€16k€20k▲
Stocks30/36€16k€20k▲
Amounts receivable within one year40/41€2k€2k▲
Other amounts receivable41€2k€2k▲
Current investments50/53€120k€200k▲
Cash at bank and in hand54/58€51k€72k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€199k€300k▲
Equity10/15€152k€247k▲
Contributions10/11€12k€12k=
Reserves13€140k€234k▲
Distributable reserves133€140k€234k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€47k€53k▲
Amounts payable within one year42/48€47k€53k▲
Trade debts44€19k€25k▲
Suppliers440/4€19k€25k▲
Taxes, remuneration and social security45€27k€27k▲
Taxes450/3€25k€26k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€715€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€13▼
Other operating charges640/8€731€688▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€95k€142k▲
Operating profit (loss)9901€93k€140k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€94k€141k▲
Income taxes67/77€31k€46k▲
Profit (loss) for the period9904€63k€95k▲
Profit (loss) for the period to be appropriated9905€63k€95k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€95k▲
Profit (loss) brought forward from the previous period14P€0€0▲
Transfer to equity691/2€63k€95k▲
To other reserves6921€63k€95k▲
The notes to these accounts (8 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €95k ▲51%
Operating result €140k, net result €95k, both a record.
31-12
Financial
Equity above €200kEq €247k ▲62.1%
8 profitable years in a row build equity to €247k.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €152k ▲69.9%
7 profitable years in a row build equity to €152k.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €7k ▼56.2%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Gent · 1 establishment unit since 1999
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.
Kouterdreef 119000 GentGround area
1,511 m²
Building footprint
492 m²
Volume, LiDAR
7,595 m³
2 parcels, Flanders · tallest building 22.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
PATRICIA VINTAGE
since 19992.099.243.415
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44803C0795/00B000 | Flanders | 1,437 m² | 1 · 434 m² | 22.1 m · 5 fl. |
| 44803C0617/00H003 | Flanders | 74 m² | 1 · 58 m² | 16.9 m · 5 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
VEROFA
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YVES MAENHOUT
BE 0469.641.039
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Kousenboetiek Filou
BE 0446.838.121
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KALANI
BE 0655.909.545
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Klein Cité
BE 0404.897.497
Antwerpen · Eq €252k
Of 1,272 companies in sector 47512 we hold annual accounts for 581. 460 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-11-1999
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.