Schuurmans & Co
ActiveSchuurmans & Co has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1k and a net result of €522. Equity is growing by ~43.5% per year across the filed fiscal years. Its solvency ranks better than 19% of 3941 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability44▲+32
Solvency25=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
0.4%
Return on assets
0.2%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 3941 sector peers (2024).
NBB · sector comparisonPosition among 3941 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
30 d late
2022
2 d early
2021
1 d early
2020
30 d early
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€1k▲ 81.4%
2023 · €641
2018: €-31k
2019: €-23k
2020: €-14k
2021: €8k
2022: €13k
2023: €641
2018 → 2024
Total assets
€324k▲ 33.2%
2023 · €243k
2018: €218k
2019: €217k
2020: €231k
2021: €253k
2022: €251k
2023: €243k
2018 → 2024
Net result
€522
2023 · €-13k
2018: €10k
2019: €9k
2020: €9k
2021: €22k
2022: €6k
2023: €-13k
2018 → 2024
Working capital
€-32k▼ 1,009%
2023 · €-3k
2018: €-6k
2019: €-763
2020: €63
2021: €14k
2022: €16k
2023: €-3k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-14k-€8k€13k▲ 77.0%€641▼ 95.2%€1k▲ 81.4%
Operating result€13k-€26k▲ 94.2%€14k▼ 48.2%€-7k€6k
Net result€9k-€22k▲ 149%€6k▼ 73.0%€-13k€522
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €6k after a loss of €7k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €324k
Fixed assets
€244k▲ 28.9%
Current assets
€80k▲ 48.2%
Equity and liabilities €324k
Equity
€1k▲ 81.4%
Debt
€323k▲ 33.1%
The debt ratio falls from 99.7% to 99.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2023 · €-5k
Cash flow
€10k▲
2023 · €-11k
Solvency
0.4%▲
2023 · 0.3%
Current ratio
0.72▼
2023 · 0.95
Quick ratio
0.22▼
2023 · 0.35
ROE
44.9%
ROA
0.2%▲
2023 · -5.2%
Interest coverage
3.02▲
2023 · -0.86
Debt
€323k▲
2023 · €243k
Debt ≤ 1 year
€112k▲
2023 · €57k
Debt > 1 year
€211k▲
2023 · €178k
Income taxes
€128▲
2023 · €0
Staff costs
€163▼
2023 · €798
A ratio outside any meaningful range has been withheld (balance sheet total €324k, equity €1k).
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€243k€324k▲
Fixed assets21/28€189k€244k▲
Tangible fixed assets22/27€189k€244k▲
Land and buildings22€185k€191k▲
Plant, machinery and equipment23€958€598▼
Furniture and vehicles24€3k€53k▲
Current assets29/58€54k€80k▲
Stocks and contracts in progress3€34k€56k▲
Stocks30/36€34k€56k▲
Contracts in progress37€0-
Amounts receivable within one year40/41€10k€14k▲
Trade receivables40€10k€11k▲
Other amounts receivable41-€3k
Cash at bank and in hand54/58€7k€8k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€243k€324k▲
Equity10/15€641€1k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-18k€-17k▲
Amounts payable17/49€243k€323k▲
Amounts payable after more than one year17€178k€211k▲
Financial debts170/4€178k€211k▲
Amounts payable within one year42/48€57k€112k▲
Current portion of amounts payable after more than one year42€6k€18k▲
Financial debts43€5k€5k▲
Credit institutions430/8€5k€5k▲
Trade debts44€2k€7k▲
Suppliers440/4€2k€7k▲
Taxes, remuneration and social security45€6k€560▼
Taxes450/3€3k€560▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€38k€81k▲
Accrued charges and deferred income492/3€7k€0▼
Income statement
Code20232024
Remuneration, social security and pensions62€798€163▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€10k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-3k€17k▲
Operating profit (loss)9901€-7k€6k▲
Financial income75/76B€349€2▼
Recurring financial income75€349€2▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€-13k€649▲
Income taxes67/77€0€128▲
Profit (loss) for the period9904€-13k€522▲
Profit (loss) for the period to be appropriated9905€-13k€522▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-17k▲
Profit (loss) brought forward from the previous period14P€-5k€-18k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €522
Net result €522 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-13k ▼319%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €22k ▲149%
Operating result €26k, net result €22k, both a record.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
01-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
31-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hechtel-Eksel · 1 establishment unit since 2008
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.
Resterheidestraat 13940 Hechtel-EkselGround area
1,430 m²
Building footprint
228 m²
Volume, LiDAR
985 m³
Parcel 72013A0330/00V000, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kenlop
since 20082.173.721.795
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72013A0330/00V000 | Flanders | 1,430 m² | 1 · 228 m² | 6.9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHechtel-Eksel2.173.721.795
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Of 207 companies in sector 01309 we hold annual accounts for 82. 6 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-08-2008
Fiscal year end31-12
Activities, NACEBEL
01309Crop and animal production, hunting and related service activities
01480Raising of other animals
01490Crop and animal production, hunting and related service activities
47761Retail sale of flowers, plants, seeds and fertilisers
47762Retail sale of pets, pet food and pet supplies
62010Computer programming, consultancy and related activities
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.