SCHILDERWERKEN DEFLOO
ActiveSummary
The computed 12-month bankruptcy probability of SCHILDERWERKEN DEFLOO is 2.0% (moderate). The 2025 annual accounts show equity of €91k and a net result of €49k. Equity is growing by ~64.4% per year across the filed fiscal years. Its solvency ranks better than 30% of 27786 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-4
Solvency54▲+4
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.55 against 0.67 in 2024; short-term debt: 47.4% and cash: 1.1% of total assets), and 71.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
28.8%
Return on assets
15.6%
Age of the figures
9 mo
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 21-04-2026, 101 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
101 d early
2024
143 d early
2023
76 d early
2022
28 d early
2021
34 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k=
2024 · €91k
2021: €7k
2022: €34k
2023: €57k
2024: €91k
2021 → 2025
Total assets
€316k▼ 12.0%
2024 · €359k
2021: €432k
2022: €509k
2023: €369k
2024: €359k
2021 → 2025
Net result
€49k▼ 25.8%
2024 · €66k
2021: €2k
2022: €27k
2023: €22k
2024: €66k
2021 → 2025
Working capital
€-68k▼ 32.1%
2024 · €-51k
2021: €-312k
2022: €-249k
2023: €-191k
2024: €-51k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€34k▲ 374%€57k▲ 65.6%€91k▲ 60.8%€91k=
Operating result€5k-€38k▲ 666%€35k▼ 6.2%€94k▲ 166%€69k▼ 27.0%
Net result€2k-€27k▲ 1,114%€22k▼ 16.8%€66k▲ 196%€49k▼ 25.8%
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 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €316k
Fixed assets
€234k ▼ 9.1%
Current assets
€82k ▼ 19.3%
Equity and liabilities €316k
Equity
€91k =
Debt
€225k ▼ 16.0%
Debt's share of the balance-sheet total falls from 74.6% to 71.2%. Debt is lower.
Key figures and ratios
EBITDA
€134k▼
2024 · €167k
Cash flow
€115k▼
2024 · €140k
Current ratio
0.55▼
2024 · 0.67
Quick ratio
0.50▼
2024 · 0.62
Debt to equity
2.47▼
2024 · 2.94
ROE
54.1%▼
2024 · 72.9%
ROA
15.6%▼
2024 · 18.5%
Interest coverage
17.25▼
2024 · 20.97
Debt ≤ 1 year
€150k▼
2024 · €153k
Debt > 1 year
€73k▼
2024 · €105k
Income taxes
€14k▼
2024 · €21k
Staff costs
€230k▼
2024 · €256k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€359k€316k▼
Fixed assets21/28€257k€234k▼
Intangible fixed assets21€150k€125k▼
Tangible fixed assets22/27€107k€109k▲
Plant, machinery and equipment23€6k€8k▲
Furniture and vehicles24€37k€32k▼
Leasing and similar rights25€62k€41k▼
Other tangible fixed assets26€3k€28k▲
Current assets29/58€102k€82k▼
Stocks and contracts in progress3€8k€8k=
Stocks30/36€8k€8k=
Amounts receivable within one year40/41€89k€67k▼
Trade receivables40€81k€27k▼
Other amounts receivable41€8k€40k▲
Cash at bank and in hand54/58€5k€3k▼
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€359k€316k▼
Equity10/15€91k€91k=
Contributions10/11€5k€5k=
Reserves13€86k€86k=
Distributable reserves133€86k€86k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€268k€225k▼
Amounts payable after more than one year17€105k€73k▼
Financial debts170/4€105k€73k▼
Amounts payable within one year42/48€153k€150k▼
Current portion of amounts payable after more than one year42€40k€32k▼
Financial debts43€15k€25k▲
Credit institutions430/8€15k€25k▲
Trade debts44€32k€35k▲
Suppliers440/4€32k€35k▲
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€6k€833▼
Remuneration and social security454/9€969€8k▲
Other amounts payable47/48€60k€49k▼
Accrued charges and deferred income492/3€10k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€256k€230k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€73k€65k▼
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€427k€368k▼
Operating profit (loss)9901€94k€69k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€88k€63k▼
Income taxes67/77€21k€14k▼
Profit (loss) for the period9904€66k€49k▼
Profit (loss) for the period to be appropriated9905€66k€49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€49k▼
Transfer to equity691/2€34k€0▼
To other reserves6921€34k€0▼
Profit to be distributed694/7€32k€49k▲
Return on contributions (dividend)694€32k€49k▲
The notes to these accounts (12 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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €66k ▲196%
Operating result €94k, net result €66k, both a record.
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oostkamp · 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.
Populierenstraat 18020 OostkampGround area
2.6 ha
Building footprint
163 m²
Volume, LiDAR
655 m³
Parcel 31037B0484/00C002, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SCHILDERWERKEN DEFLOO
since 20202.311.448.236
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31037B0484/00C002 | Flanders | 2.6 ha | 1 · 163 m² | 6.2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 219 EUR awarded · 219 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 219 EUR | 219 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,861 companies in sector 43341 we hold annual accounts for 2,663. 2,297 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
43331Floor and wall tiling
43332Laying of wooden floor and wall coverings
43333Wallpapering and laying of floor and wall coverings in other materials
47530Retail trade
47552Retail sale of lighting equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.