SCHUURBIERS
ActiveSCHUURBIERS has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €406k and a net result of €92k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 27619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
92
/ 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
Profitability92▲+5
Solvency100▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 12.32 against 6.11 in 2024; short-term debt: 6.9% and cash: 50.2% of total assets), and 18.5% 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 · 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 · 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
81.5%
Return on assets
18.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
5 d early
2023
5 d early
2022
9 d early
2021
4 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€406k▲ 15.8%
2024 · €350k
2018: €226k
2019: €263k
2020: €298k
2021: €337k
2022: €265k
2023: €328k
2024: €350k
2018 → 2025
Total assets
€498k▲ 2.0%
2024 · €488k
2018: €357k
2019: €419k
2020: €453k
2021: €509k
2022: €440k
2023: €496k
2024: €488k
2018 → 2025
Net result
€92k▲ 27.4%
2024 · €73k
2018: €29k
2019: €37k
2020: €35k
2021: €38k
2022: €61k
2023: €64k
2024: €73k
2018 → 2025
Working capital
€391k▲ 18.0%
2024 · €331k
2018: €225k
2019: €259k
2020: €290k
2021: €327k
2022: €241k
2023: €307k
2024: €331k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€337k-€265k▼ 21.4%€328k▲ 24.1%€350k▲ 6.7%€406k▲ 15.8%
Operating result€53k-€88k▲ 65.8%€93k▲ 6.4%€104k▲ 11.7%€130k▲ 24.5%
Net result€38k-€61k▲ 57.8%€64k▲ 5.2%€73k▲ 13.9%€92k▲ 27.4%
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 four years in a row; 2025 is 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €498k
Fixed assets
€73k▼ 21.0%
Current assets
€425k▲ 7.4%
Equity and liabilities €498k
Equity
€406k▲ 15.8%
Debt
€92k▼ 33.1%
The debt ratio falls from 28.3% to 18.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€150k▲
2024 · €126k
Cash flow
€113k▲
2024 · €94k
Solvency
81.5%▲
2024 · 71.7%
Current ratio
12.32▲
2024 · 6.11
Quick ratio
12.22▲
2024 · 6.06
Debt / equity
0.23▼
2024 · 0.39
ROE
22.8%▲
2024 · 20.7%
ROA
18.6%▲
2024 · 14.8%
Interest coverage
49.50▲
2024 · 36.65
Debt
€92k▼
2024 · €138k
Debt ≤ 1 year
€35k▼
2024 · €65k
Debt > 1 year
€58k▼
2024 · €73k
Income taxes
€40k▲
2024 · €31k
Staff costs
€110k▲
2024 · €107k
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€488k€498k▲
Fixed assets21/28€93k€73k▼
Tangible fixed assets22/27€93k€73k▼
Plant, machinery and equipment23€982€767▼
Furniture and vehicles24€17k€4k▼
Other tangible fixed assets26€75k€69k▼
Current assets29/58€396k€425k▲
Amounts receivable after more than one year29€3k€13k▲
Other amounts receivable291€3k€13k▲
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€132k€87k▼
Trade receivables40€117k€74k▼
Other amounts receivable41€15k€13k▼
Current investments50/53€30k€70k▲
Cash at bank and in hand54/58€227k€250k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€488k€498k▲
Equity10/15€350k€406k▲
Contributions10/11€19k€19k=
Reserves13€309k€364k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€307k€363k▲
Profit (loss) carried forward14€23k€23k=
Amounts payable17/49€138k€92k▼
Amounts payable after more than one year17€73k€58k▼
Financial debts170/4€73k€58k▼
Amounts payable within one year42/48€65k€35k▼
Current portion of amounts payable after more than one year42€19k€15k▼
Trade debts44€35k€14k▼
Suppliers440/4€35k€14k▼
Taxes, remuneration and social security45€10k€5k▼
Taxes450/3€10k€5k▼
Other amounts payable47/48€596€716▲
Income statement
Code20242025
Remuneration, social security and pensions62€107k€110k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€20k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€237k€264k▲
Operating profit (loss)9901€104k€130k▲
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€103k€132k▲
Income taxes67/77€31k€40k▲
Profit (loss) for the period9904€73k€92k▲
Profit (loss) for the period to be appropriated9905€73k€92k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€115k▲
Profit (loss) brought forward from the previous period14P€23k€23k=
Transfer from equity791/2€50k€37k▼
Transfer to equity691/2€73k€92k▲
To other reserves6921€73k€92k▲
Profit to be distributed694/7€50k€37k▼
Return on contributions (dividend)694€50k€37k▼
The notes to these accounts (7 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €92k ▲27.4%
Operating result €130k, net result €92k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 12.32
Current ratio from 6.11 to 12.32; short-term debt falls from €65k to €35k.
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
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
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, Kontich · 1 establishment unit since 2004
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.
Duffelsesteenweg 2032550 KontichGround area
1,293 m²
Building footprint
103 m²
Volume, LiDAR
514 m³
Parcel 11602C0166/00D002, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schuurbiers
since 20042.138.813.277
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602C0166/00D002 | Flanders | 1,293 m² | 1 · 102 m² | 7.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
894500KIG5YTRTHX1P33
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WA-RM
BE 0661.906.818
Oostende · Eq €406k
Etablissements Hervé HUBERT et fils
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Andenne · Eq €407k
STEVEN DEWAELE
BE 0503.993.489
Wingene · Eq €407k
Of 7,039 companies in sector 43221 we hold annual accounts for 3,469. 2,503 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded08-07-2004
Fiscal year end30-09
Activities, NACEBEL
43221Plumbing work
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.