Bram De Schouwer
ActiveBram De Schouwer has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €121k. Equity is shrinking by ~20.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 10% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86=
Solvency27=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.22 in 2024; short-term debt: 77.6% and cash: 15.9% of total assets), and 98.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
1.7%
Return on assets
13.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31544 sector peers (2025).
NBB · sector comparisonPosition among 31544 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
53 d early
2024
21 d early
2023
27 d early
2022
5 d early
2021
44 d late
2020
29 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k=
2024 · €15k
2020: €38k
2021: €57k
2022: €-30k
2023: €15k
2024: €15k
2020 → 2025
Total assets
€896k▲ 11.6%
2024 · €803k
2020: €66k
2021: €166k
2022: €172k
2023: €638k
2024: €803k
2020 → 2025
Net result
€121k▲ 11.8%
2024 · €108k
2020: €24k
2021: €20k
2022: €-87k
2023: €97k
2024: €108k
2020 → 2025
Working capital
€88k▼ 28.5%
2024 · €123k
2020: €29k
2021: €-9k
2022: €-99k
2023: €181k
2024: €123k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€-30k€15k€15k=€15k=
Operating result€26k-€-81k€117k€157k▲ 33.8%€180k▲ 14.7%
Net result€20k-€-87k€97k€108k▲ 11.8%€121k▲ 11.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €896k
Fixed assets
€113k▼ 1.8%
Current assets
€782k▲ 13.8%
Equity and liabilities €896k
Equity
€15k=
Debt
€881k▲ 11.8%
The debt ratio rises from 98.1% to 98.3%. Debt is higher.
Key figures and ratios
EBITDA
€194k▲
2024 · €168k
Cash flow
€135k▲
2024 · €120k
Solvency
1.7%▼
2024 · 1.9%
Current ratio
1.13▼
2024 · 1.22
Quick ratio
1.13▼
2024 · 1.22
Debt / equity
58.71▲
2024 · 52.52
ROE
806.3%▲
2024 · 720.9%
ROA
13.5%▲
2024 · 13.5%
Interest coverage
7.48▼
2024 · 7.99
Debt
€881k▲
2024 · €788k
Debt ≤ 1 year
€695k▲
2024 · €565k
Debt > 1 year
€173k▼
2024 · €211k
Income taxes
€42k▲
2024 · €35k
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€803k€896k▲
Fixed assets21/28€115k€113k▼
Tangible fixed assets22/27€115k€113k▼
Land and buildings22€103k€96k▼
Plant, machinery and equipment23€6k€8k▲
Furniture and vehicles24€6k€10k▲
Financial fixed assets28€300€300=
Current assets29/58€688k€782k▲
Amounts receivable after more than one year29€355k€416k▲
Other amounts receivable291€355k€416k▲
Amounts receivable within one year40/41€155k€198k▲
Trade receivables40€147k€187k▲
Other amounts receivable41€8k€11k▲
Cash at bank and in hand54/58€155k€143k▼
Deferred charges and accrued income490/1€22k€26k▲
Equity and liabilities
Total equity and liabilities10/49€803k€896k▲
Equity10/15€15k€15k=
Contributions10/11€15k€15k=
Amounts payable17/49€788k€881k▲
Amounts payable after more than one year17€211k€173k▼
Financial debts170/4€44k€36k▼
Other amounts payable178/9€167k€137k▼
Amounts payable within one year42/48€565k€695k▲
Current portion of amounts payable after more than one year42€37k€37k▲
Financial debts43€359k€439k▲
Other loans439€359k€439k▲
Trade debts44€14k€3k▼
Suppliers440/4€14k€3k▼
Taxes, remuneration and social security45€84k€83k▼
Taxes450/3€84k€83k▼
Other amounts payable47/48€71k€133k▲
Accrued charges and deferred income492/3€12k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€14k▲
Other operating charges640/8€50k€68k▲
Gross operating margin9900€218k€262k▲
Operating profit (loss)9901€157k€180k▲
Financial income75/76B€7k€9k▲
Recurring financial income75€7k€9k▲
Financial charges65/66B€21k€26k▲
Recurring financial charges65€21k€26k▲
Profit (loss) for the period before taxes9903€143k€163k▲
Income taxes67/77€35k€42k▲
Profit (loss) for the period9904€108k€121k▲
Profit (loss) for the period to be appropriated9905€108k€121k▲
Appropriation of the result
Profit (loss) to be appropriated9906€108k€121k▲
Profit to be distributed694/7€108k€121k▲
Return on contributions (dividend)694€108k€121k▲
The notes to these accounts (9 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €121k ▲11.8%
Operating result €180k, net result €121k, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €97k
Net result €97k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 1.53
Current ratio from 0.31 to 1.53.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-87k ▼544%
Net result drops to €-87k, the lowest in the series; recovery starts the following year.
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 44 days late
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Keerbergen · 1 establishment unit since 2020
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.
Oude Putsebaan 363140 KeerbergenGround area
2,928 m²
Building footprint
216 m²
Volume, LiDAR
282 m³
Parcel 24472G0162/00K002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bram De Schouwer
since 20202.299.138.540
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472G0162/00K002 | Flanders | 2,928 m² | 1 · 216 m² | 8.8 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.
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 27,477 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.