THOMAS & SCHAMP
ActiveTHOMAS & SCHAMP has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €27k and a net result of €80k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 13% of 15368 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency39▲+4
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.07 in 2023; short-term debt: 85.9% and cash: 86.9% of total assets), and 85.9% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
14.1%
Return on assets
41.9%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 15368 sector peers (2024).
NBB · sector comparisonPosition among 15368 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
40 d early
2022
40 d early
2021
33 d early
2020
39 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€27k▲ 41.6%
2023 · €19k
2018: €25k
2019: €21k
2020: €27k
2021: €28k
2022: €25k
2023: €19k
2018 → 2024
Total assets
€191k▼ 4.5%
2023 · €200k
2018: €195k
2019: €155k
2020: €147k
2021: €155k
2022: €157k
2023: €200k
2018 → 2024
Net result
€80k▲ 32.6%
2023 · €60k
2018: €60k
2019: €62k
2020: €56k
2021: €56k
2022: €57k
2023: €60k
2018 → 2024
Working capital
€27k▲ 119%
2023 · €12k
2018: €-15k
2019: €-12k
2020: €325
2021: €8k
2022: €11k
2023: €12k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€27k-€28k▲ 3.8%€25k▼ 12.2%€19k▼ 23.3%€27k▲ 41.6%
Operating result€71k-€70k▼ 0.8%€71k▲ 0.9%€75k▲ 6.4%€100k▲ 32.7%
Net result€56k-€56k▼ 0.8%€57k▲ 1.0%€60k▲ 6.5%€80k▲ 32.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 33% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €191k
Equity
€27k▲ 41.6%
Debt
€164k▼ 9.3%
The debt ratio falls from 90.5% to 85.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€107k▲
2023 · €82k
Cash flow
€87k▲
2023 · €67k
Solvency
14.1%▲
2023 · 9.5%
Current ratio
1.16▲
2023 · 1.07
Quick ratio
1.16▲
2023 · 1.07
Debt / equity
6.10▼
2023 · 9.52
ROE
297.1%▼
2023 · 317.2%
ROA
41.9%▲
2023 · 30.2%
Interest coverage
905.40▲
2023 · 736.97
Debt
€164k▼
2023 · €181k
Debt ≤ 1 year
€164k▼
2023 · €181k
Income taxes
€20k▲
2023 · €15k
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€200k€191k▼
Fixed assets21/28€7k-
Intangible fixed assets21€7k-
Current assets29/58€193k€191k▼
Amounts receivable within one year40/41€115k€24k▼
Trade receivables40€115k€24k▼
Other amounts receivable41€55€191▲
Cash at bank and in hand54/58€76k€166k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€200k€191k▼
Equity10/15€19k€27k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€391€8k▲
Amounts payable17/49€181k€164k▼
Amounts payable within one year42/48€181k€164k▼
Trade debts44€107k€77k▼
Suppliers440/4€107k€77k▼
Taxes, remuneration and social security45€8k€14k▲
Taxes450/3€8k€14k▲
Other amounts payable47/48€66k€73k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€384€387▲
Gross operating margin9900€82k€107k▲
Operating profit (loss)9901€75k€100k▲
Financial income75/76B€1€9▲
Recurring financial income75€1€9▲
Financial charges65/66B€111€118▲
Recurring financial charges65€111€118▲
Profit (loss) for the period before taxes9903€75k€100k▲
Income taxes67/77€15k€20k▲
Profit (loss) for the period9904€60k€80k▲
Profit (loss) for the period to be appropriated9905€60k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€80k▲
Profit (loss) brought forward from the previous period14P-€391
Transfer from equity791/2€6k-
Profit to be distributed694/7€66k€72k▲
Return on contributions (dividend)694€66k€72k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €80k ▲32.6%
Operating result €100k, net result €80k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €56k ▼0.8%
Net result drops to €56k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
23-06
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, Wemmel · 1 establishment unit since 2014
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.
Leeuwerikenlaan 541780 WemmelGround area
1,501 m²
Building footprint
184 m²
Volume, LiDAR
985 m³
Parcel 22005A0402/00B000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Leeuwerikenlaan 54, 1780 Wemmel
since 20142.232.057.397
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22005A0402/00B000 | Flanders | 1,501 m² | 1 · 184 m² | 8.2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 120 EUR awarded · 120 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 120 EUR | 120 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,172 companies in sector 69201 we hold annual accounts for 7,638. 4,959 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2014
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@thomasschamp.be