TOM SCHIPPERS
ActiveTOM SCHIPPERS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €3k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 24% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-60
Solvency48▼-16
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 1.64 in 2024; short-term debt: 20% of total assets), but 77.4% 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 · 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
22.6%
Return on assets
0.6%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-05-2026, 4 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 · 9 filingsDeviation from the deadline
2025
4 d late
2024
2 d late
2023
170 d late
2022
2 d late
2021
3 d late
2020
31 d late
2019
22 d late
← 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
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 2.8%
2024 · €94k
2018: €40k
2019: €30k
2020: €32k
2021: €33k
2022: €39k
2023: €53k
2024: €94k
2018 → 2025
Total assets
€426k▲ 78.4%
2024 · €239k
2018: €268k
2019: €233k
2020: €533k
2021: €472k
2022: €495k
2023: €553k
2024: €239k
2018 → 2025
Net result
€3k▼ 93.5%
2024 · €41k
2018: €45k
2019: €-10k
2020: €2k
2021: €1k
2022: €5k
2023: €14k
2024: €41k
2018 → 2025
Working capital
€82k▼ 11.9%
2024 · €94k
2018: €38k
2019: €30k
2020: €-133k
2021: €53k
2022: €64k
2023: €88k
2024: €94k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€39k▲ 16.3%€53k▲ 36.4%€94k▲ 78.1%€96k▲ 2.8%
Operating result€20k-€8k▼ 57.3%€19k▲ 128%€62k▲ 223%€28k▼ 55.5%
Net result€1k-€5k▲ 290%€14k▲ 160%€41k▲ 193%€3k▼ 93.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €426k
Fixed assets
€259k
Current assets
€168k
Equity and liabilities €426k
Equity
€96k▲ 2.8%
Debt
€330k▲ 127%
The debt ratio rises from 60.8% to 77.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€29k▼
2024 · €67k
Cash flow
€4k▼
2024 · €46k
Solvency
22.6%▼
2024 · 39.2%
Current ratio
1.97▲
2024 · 1.64
Quick ratio
1.97▲
2024 · 1.64
Debt / equity
3.43▲
2024 · 1.55
ROE
2.8%▼
2024 · 43.9%
ROA
0.6%▼
2024 · 17.2%
Interest coverage
1.24▼
2024 · 7.32
Debt
€330k▲
2024 · €145k
Debt ≤ 1 year
€85k▼
2024 · €145k
Debt > 1 year
€245k
Income taxes
€2k▼
2024 · €12k
Staff costs
€126k▼
2024 · €223k
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€239k€426k▲
Fixed assets21/28-€259k
Tangible fixed assets22/27-€259k
Land and buildings22-€255k
Plant, machinery and equipment23-€2k
Furniture and vehicles24-€1k
Current assets29/58€239k€168k▼
Amounts receivable within one year40/41€239k€168k▼
Trade receivables40€239k€148k▼
Other amounts receivable41-€19k
Equity and liabilities
Total equity and liabilities10/49€239k€426k▲
Equity10/15€94k€96k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€86k€88k▲
Amounts payable17/49€145k€330k▲
Amounts payable after more than one year17-€245k
Financial debts170/4-€245k
Amounts payable within one year42/48€145k€85k▼
Current portion of amounts payable after more than one year42€8k€18k▲
Financial debts43€2k€31k▲
Credit institutions430/8€2k-
Other loans439-€31k
Trade debts44€88k€5k▼
Suppliers440/4€88k€5k▼
Taxes, remuneration and social security45€43k€10k▼
Taxes450/3€8k€10k▲
Remuneration and social security454/9€34k-
Other amounts payable47/48€4k€21k▲
Income statement
Code20242025
Non-recurring operating income76A€33k-
Remuneration, social security and pensions62€223k€126k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€1k▼
Other operating charges640/8€36k€3k▼
Gross operating margin9900€326k€159k▼
Operating profit (loss)9901€62k€28k▼
Financial income75/76B€49€380▲
Recurring financial income75€49€380▲
Financial charges65/66B€9k€23k▲
Recurring financial charges65€9k€23k▲
Profit (loss) for the period before taxes9903€53k€5k▼
Income taxes67/77€12k€2k▼
Profit (loss) for the period9904€41k€3k▼
Profit (loss) for the period to be appropriated9905€41k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€86k€88k▲
Profit (loss) brought forward from the previous period14P€45k€86k▲
The notes to these accounts (6 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
02-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 2 days late
2024
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 170 days late
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
22-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 22 days late
2019
30-09
Financial
Weakest financial yearnet €-10k ▼123%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
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, Stekene · 1 establishment unit since 2016
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.
Nieuwdorp(STE) 449190 StekeneGround area
1,257 m²
Building footprint
111 m²
Volume, LiDAR
427 m³
Parcel 46322C0249/00W002, Flanders · tallest building 8.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TOM SCHIPPERS
since 20162.262.690.591
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46322C0249/00W002 | Flanders | 1,257 m² | 1 · 111 m² | 8.2 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.
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DAKWERKEN GUY SMET
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,800 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2016
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
43410Roofing work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.