Equity
-€465,297
Debts exceed assets in financial year 2025.
SCHUTZ IMMO
Lifetime
3 annual accounts with figures on one time axisGross marginpeak -€67,695 (2024)
-€194,444▼ €126,749
Resultlowest -€269,674 (2025)
-€269,674▼ €141,711
Equitypeak -€67,642 (2023)
-€465,297▼ €269,674
Debts
€1.2m▲ 57.6%
Board1 name since 2022
1 directorSCHUTZ Dylan Patrice Jacques Joseph Nad
Documentsfilings and deeds
01-10-202662 days late
2025micro format
Gross margin from -€67,695 to -€194,444Loss of €269,674Registered office moved from Nandrin to Neupré 11-12Equity from -€195,623 to -€465,297Debts from €766,512 to €1.2mInvestments €133,593
Key points
from the 2025 annual accountsLosses
-€565,280 in three years
Every financial year from 2023 to 2025 closed with a loss. 2025 was the heaviest.
Debts
€1.2m 163% of the balance sheet
Suppliers 3%Taxes and wages 0%Other 97%
Of this, €35,747 falls due within a year.
Investments
€139,520 2.8 × depreciation
Green is investment, beige is depreciation. Machinery stands 642.7% higher than in 2024.
Liquidity
2.87 was 0.93 in 2024
Short-term debts rose from €15,342 to €35,747.
Position in the sector
-€269,674
Lower net result than 95% of companies in real estate. Sector median €6,006 · 17,166 companies.
2025 accounts filed 62 days after the deadlineTurnover not published (micro format)
Checked score
36
Weak
Financially stronger than 16% of micro companies in real estate (NACE 68)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
4.5% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.1%
01-2025: 1.1%● unchanged vs 12-2024
02-2025: 1.1%● unchanged vs 01-2025
03-2025: 1.1%● unchanged vs 02-2025lowest value
04-2025: 1.1%● unchanged vs 03-2025lowest value
05-2025: 1.1%● unchanged vs 04-2025lowest value
06-2025: 1.1%● unchanged vs 05-2025lowest value
07-2025: 1.6%▲ +0.5 percentage points vs 06-2025
08-2025: 1.6%● unchanged vs 07-2025
09-2025: 1.3%▼ -0.3 percentage points vs 08-2025
10-2025: 1.3%● unchanged vs 09-2025
11-2025: 1.3%● unchanged vs 10-2025
12-2025: 1.3%● unchanged vs 11-2025
01-2026: 2.4%▲ +1.1 percentage points vs 12-2025
02-2026: 2.5%▲ +0.1 percentage points vs 01-2026
03-2026: 2.4%▼ -0.1 percentage points vs 02-2026
04-2026: 2.4%● unchanged vs 03-2026
05-2026: 2.3%▼ -0.1 percentage points vs 04-2026
06-2026: 2.3%● unchanged vs 05-2026
07-2026: 2.2%▼ -0.1 percentage points vs 06-2026
08-2026: 2.9%▲ +0.7 percentage points vs 07-2026
09-2026: 3.4%▲ +0.5 percentage points vs 08-2026
10-2026: 4.5%▲ +1.1 percentage points vs 09-2026highest value
11-2026: 4.5%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 2.87, cash €6, halved
Last filed accounts filed 62 days late; 2 of the last 3 accounts late
lowers risk
Sector: Real estate activities (NACE 68)
Founded in 2022
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 5% of them on solvency, 50% on liquidity, 4% on profitability and 4% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 490 companies had the same profile as SCHUTZ IMMO has now. Each dot is one company, two years later.
88.8%
were still trading
3.9%
stopped another way
6.7%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SCHUTZ IMMO itself: 4.5% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 490 companies, not a prediction for SCHUTZ IMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is ample, with a current ratio of 2.87 (0.93 in 2024), above the usual 1.5. Short-term debt is 4.8% and cash 0% of total assets. However, equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€465,297
raises risk · 2025 accounts filed 62 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-10-2026, 62 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
62 days late
2024
28 days late
2023
370 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 153 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 October (3 of the last 3 accounts filed within 309 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- SCHUTZ Dylan Patrice Jacques Joseph Nad 100 sharesdeed of 22-12-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0795124044
Registered office moved from Nandrin to Neupré
New registered office: Rue de la Limite 29, 4120 Neupré · Previous registered office: rue sur Haies 15, 4550 Nandrin · Board meeting of 08-12-2025 · Gazette deed
Incorporation
Founding capital of €100,000, 100 shares · Founder: SCHUTZ Dylan Patrice Jacques Joseph Nad · Appointment: SCHUTZ Dylan Patrice Jacques Joseph Nad (director) · published on 22-12-2022 · Gazette deed
First establishment
Rue Sur Haies 15, Nandrin
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| SCHUTZ IMMO Neupré | €742,693 | -€194,444 | -62.7% | - |
| BERTRAND PROPERTY GROUP Wanze | €810,306 | -€133,525 | -34.3% | - |
| LLDM Sprimont | €864,036 | -€5,936 | 0.0% | - |
| DSJ Projects Kasterlee | €652,651 | -€4,521 | 11.3% | - |
| TWO HUNDRED Uccle | €847,547 | -€18,730 | 28.5% | - |
| SD REAL ESTATE Heist-op-den-Berg | €804,803 | -€5,581 | -14.9% | - |
| PURE INVEST Woluwe-Saint-Lambert | €763,404 | -€8,120 | 5.7% | - |
These companies have the same main activity as SCHUTZ IMMO: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €653,000 and €864,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 20-12-2022Normal situation
- Activity
- Buying and selling of own real estateNACE 68110and 1 other
- Establishment unit
- 2.341.944.2444550 Nandrin, since 20-12-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Annual accounts 2025
- Total assets
- €742,693▲ 30.1%
- Staff
- ≈ 0.5 FTEestimated
- Filing
- Filed on 01-10-2026
Insights on SCHUTZ IMMO
SCHUTZ IMMO files the micro format. That format states no turnover. The gross margin fell from -€128,622 in 2023 to -€194,444 in 2025.
The balance sheet grew most from 2024 to 2025 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SCHUTZ IMMO
- What is the company number of SCHUTZ IMMO?
- The company number of SCHUTZ IMMO is 0795.124.044. The VAT number is the same number with BE in front: BE 0795.124.044.
- Where is SCHUTZ IMMO based?
- The registered office is at Rue de la Limite 29, 4120 Neupré.Company details
- What does SCHUTZ IMMO do?
- According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
- What is the legal form of SCHUTZ IMMO?
- SCHUTZ IMMO is a private limited company (BV).
- When was SCHUTZ IMMO founded?
- SCHUTZ IMMO was founded on 20-12-2022.
- Is SCHUTZ IMMO still active?
- Yes, SCHUTZ IMMO is an active enterprise in the KBO register.
- What is the turnover of SCHUTZ IMMO?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is SCHUTZ IMMO profitable?
- In financial year 2025, SCHUTZ IMMO made a loss of €269,674.
- Where can I find the annual accounts of SCHUTZ IMMO?
- SCHUTZ IMMO filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SCHUTZ IMMO due?
- SCHUTZ IMMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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