SCHAERLAEKENS
ActiveSCHAERLAEKENS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €334k and a net result of €51k. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 36378 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
90
/ 100
Excellent▼ -10 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▼-24
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 72.85 against 20.25 in 2023), and 1.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 2024Solvency, return and age of the figures
Solvency
98.3%
Return on assets
14.9%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-08-2025, 16 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
16 d late
2023
5 d early
2022
on the day
2021
24 d late
2020
31 d late
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€334k▼ 5.7%
2023 · €355k
2018: €104k
2019: €150k
2020: €177k
2021: €223k
2022: €263k
2023: €355k
2018 → 2024
Total assets
€340k▼ 8.8%
2023 · €373k
2018: €137k
2019: €172k
2020: €208k
2021: €360k
2022: €399k
2023: €373k
2018 → 2024
Net result
€51k▼ 45.6%
2023 · €93k
2018: €28k
2019: €47k
2020: €29k
2021: €47k
2022: €40k
2023: €93k
2018 → 2024
Working capital
€310k▼ 5.8%
2023 · €329k
2018: €78k
2019: €132k
2020: €123k
2021: €75k
2022: €111k
2023: €329k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€177k-€223k▲ 25.9%€263k▲ 17.6%€355k▲ 35.1%€334k▼ 5.7%
Operating result€42k-€70k▲ 67.2%€60k▼ 14.4%€134k▲ 122%€68k▼ 49.3%
Net result€29k-€47k▲ 63.6%€40k▼ 14.0%€93k▲ 131%€51k▼ 45.6%
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 2024; 2024 is 49% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €340k
Fixed assets
€25k▼ 4.3%
Current assets
€315k▼ 9.2%
Equity and liabilities €340k
Equity
€334k▼ 5.7%
Debt
€6k▼ 69.1%
The debt ratio falls from 4.9% to 1.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€80k▼
2023 · €145k
Cash flow
€63k▼
2023 · €104k
Solvency
98.3%▲
2023 · 95.1%
Current ratio
72.85▲
2023 · 20.25
Quick ratio
72.85▲
2023 · 20.25
Debt / equity
0.02▼
2023 · 0.05
ROE
15.1%▼
2023 · 26.2%
ROA
14.9%▼
2023 · 24.9%
Interest coverage
534.67▼
2023 · 816.91
Debt
€6k▼
2023 · €18k
Debt ≤ 1 year
€4k▼
2023 · €17k
Income taxes
€23k▼
2023 · €43k
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€373k€340k▼
Fixed assets21/28€27k€25k▼
Tangible fixed assets22/27€27k€25k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€18k€8k▼
Other tangible fixed assets26€7k€17k▲
Assets under construction and advance payments27€0-
Current assets29/58€346k€315k▼
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€18k€156k▲
Trade receivables40€15k€16k▲
Other amounts receivable41€3k€140k▲
Cash at bank and in hand54/58€325k€157k▼
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€373k€340k▼
Equity10/15€355k€334k▼
Contributions10/11€13k€13k=
Reserves13€342k€322k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€322k€301k▼
Amounts payable17/49€18k€6k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€17k€4k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€14k€425▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20232024
Non-recurring operating income76A€55k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€808€839▲
Gross operating margin9900€146k€81k▼
Operating profit (loss)9901€134k€68k▼
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€6k▲
Financial charges65/66B€178€150▼
Recurring financial charges65€178€150▼
Profit (loss) for the period before taxes9903€136k€74k▼
Income taxes67/77€43k€23k▼
Profit (loss) for the period9904€93k€51k▼
Profit (loss) for the period to be appropriated9905€93k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€93k€51k▼
Transfer to equity691/2€92k€51k▼
To other reserves6921€92k€51k▼
Profit to be distributed694/7€833-
Return on contributions (dividend)694€833-
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
2025
16-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 16 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 72.85
Current ratio from 20.25 to 72.85; short-term debt falls from €17k to €4k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €93k ▲131%
Operating result €134k, net result €93k, both a record.
31-12
Financial
Liquidity times 5current ratio 20.25
Current ratio from 4.14 to 20.25; short-term debt falls from €35k to €17k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Equity above €200kEq €223k ▲25.9%
4 profitable years in a row build equity to €223k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €150kEq €177k ▲18.5%
3 profitable years in a row build equity to €177k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 6.92
Current ratio from 3.37 to 6.92; short-term debt falls from €33k to €22k.
24-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 24 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
15-06
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, Zandhoven · 1 establishment unit since 2011
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.
Menkhoeve 62243 ZandhovenGround area
391 m²
Building footprint
250 m²
Volume, LiDAR
1,309 m³
2 parcels, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Ellermanstraat 68, 2060 Antwerpen
since 20112.206.664.183
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11034B0584/00K000 | Flanders | 300 m² | 1 · 179 m² | 6.7 m · 1 fl. |
| 11807G0183/00G003 | Flanders | 91 m² | 1 · 71 m² | 14.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
R. & G. DOBBELAERE
BE 0436.341.830
Knokke-Heist · Eq €334k
VZ
BE 0871.828.773
Ukkel · Eq €335k
BUSINESS HEATING
BE 0758.534.753
Sint-Gillis (bij-Brussel) · Eq €335k
ADAM Alain
BE 0823.834.658
Hannut · Eq €335k
LL Chauffage
BE 0687.879.161
Grez-Doiceau · Eq €335k
Of 6,993 companies in sector 43221 we hold annual accounts for 3,445. 2,610 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2011
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.