Checked.be
Active
BE 0474.883.987Private limited company
SCHOGEKA
Kartuizersvest 69 ·2500 Lier, Belgium· 25 yrs active
Sector: Non-specialised retail sale with food, beverages or tobacco predominating
(47110)
Conclusion
SCHOGEKA has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-12k) and a net result of €-5k. Equity is shrinking by ~121.7% per year across the filed fiscal years. Its solvency ranks better than 16% of 17366 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €-12k |
| Net result | €-5k |
| Better than sector | 16% |
| Active | 25 yrs |
Financial profile
64
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
28
Profitability
100
Solvency
33
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 2001, 25 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
28
/ 100
Weak
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score history
18
2022
10
2023
7
2024
28
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.24 (< 1.0)
-10
Quick ratio
Quick ratio 0.04 (< 0.6)
-5
Equity
Negative equity
-25
Profitability
ROE 43% (≥ 10%)
+10
Interest coverage
Interest coverage 2.8×
+3
Profit trend
Net profit up YoY
+5
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 23-12-2025 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~121.7%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -24.1% | 34.6% | |
| Net result | €-5k | €5k | |
| Equity | €-12k | €44k | |
| Gross operating margin | €12k | €34k | |
| Staff costs | €84 | €40k |
€9k
-
22-25
€-5k
+68.7%
22-25
€6k
-
22-25
€50k
-15.1%
22-25
€-12k
-75.8%
22-25
€-36k
-14.7%
22-25
€84
-91.5%
22-25
€62k
-5.6%
22-25
€48k
+6.0%
22-25
€14k
-30.7%
22-25
0.24
-19.5%
22-25
0.04
-59.9%
22-25
-24.1%
-107.0%
22-25
-5.15
+46.3%
22-25
43.1%
-82.2%
22-25
-10.4%
+63.1%
22-25
2.81
-
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €9k | €-3k | €-4k | €-4k |
| Net profit | €-5k | €-17k | €-14k | €-17k |
| Cash flow | €6k | €-6k | €-5k | €-6k |
| Staff costs | €84 | €979 | €1k | €1k |
| Income taxes | - | - | - | - |
| Dividends | - | - | - | - |
| Total assets | €50k | €59k | €59k | €64k |
| Equity | €-12k | €-7k | €10k | €24k |
| Debt | €62k | €66k | €49k | €40k |
| of which ≤ 1y | €48k | €45k | €42k | €31k |
| of which > 1y | €14k | €21k | €7k | €9k |
| Working capital | €-36k | €-32k | €-25k | €-16k |
| Employees (FTE) | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 0.24 | 0.30 | 0.40 | 0.48 |
| Quick ratio | 0.04 | 0.11 | 0.14 | 0.20 |
| Working capital ratio | -72.5% | -53.7% | -42.8% | -25.0% |
| Solvency | -24.1% | -11.6% | 16.6% | 37.6% |
| Debt / equity | -5.15 | -9.60 | 5.02 | 1.66 |
| Long-term debt ratio | -1.19 | -3.03 | 0.69 | 0.38 |
| Interest coverage | 2.81 | -0.90 | -2.34 | -2.29 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | -10.4% | -28.1% | -24.7% | -25.8% |
| ROE | 43.1% | 242.0% | -148.4% | -68.5% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €50k | €59k | €59k | €64k |
| Fixed assets | 21/28 | €39k | €46k | €42k | €49k |
| Tangible fixed assets | 22/27 | €38k | €45k | €41k | €49k |
| Financial fixed assets | 28 | €173 | €173 | €173 | €173 |
| Current assets | 29/58 | €11k | €13k | €17k | €15k |
| Stocks & contracts in progress | 3 | €9k | €9k | €11k | €9k |
| Amounts receivable within one year | 40/41 | €4 | €694 | €178 | €817 |
| Cash & bank | 54/58 | €1k | €2k | €4k | €3k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €50k | €59k | €59k | €64k |
| Equity | 10/15 | €-12k | €-7k | €10k | €24k |
| Contributions / capital | 10/11 | €20k | €20k | €20k | €20k |
| Reserves | 13 | €2k | €2k | €2k | €2k |
| Accumulated profits (losses) | 14 | €-34k | €-29k | €-12k | €2k |
| Amounts payable | 17/49 | €62k | €66k | €49k | €40k |
| Amounts payable after one year | 17 | €14k | €21k | €7k | €9k |
| Amounts payable within one year | 42/48 | €48k | €45k | €42k | €31k |
| Trade debts payable within one year | 44 | €11k | €13k | €15k | €11k |
| Income statement | |||||
| Gross operating margin | 9900 | €12k | €-142 | €-375 | €-132 |
| Operating result | 9901 | €-2k | €-14k | €-13k | €-15k |
| Financial income | 75 | €46 | €18 | €9 | €1 |
| Financial charges | 65 | €3k | €3k | €2k | €2k |
| Result before taxes | 9903 | €-5k | €-17k | €-14k | €-17k |
| Net result for the period | 9904 | €-5k | €-17k | €-14k | €-17k |
| Result to be appropriated | 9905 | €-5k | €-17k | €-14k | €-17k |
Directors & mandates
Current directors & mandates
-
Ronny SchoorsManagerState Gazette act 24391940 (25-04-2024)Current25-04-2024 → present
2 events
- 25-04-2024 Resigned· Manager
- 25-04-2024 Appointed· Manager
Legal Structure
| NACE primary | Non-specialised retail sale with food, beverages or tobacco predominating(47110) |
| Legal form | Private limited company(610) |
| Incorporation | 25-05-2001 |
| Status | Active |
| Postal code | 2500 |
Establishment units
Kartuizersvest 69, 2500 Lier
since 20012.100.357.331
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12021G0095/00E000 | Flanders | 116 m² | 1 · 117 m² | 11.1 m · 3 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
25-04
State Gazette act
Director changes
v3.2
2023
14-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
04-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
16-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 1
updated 2 years ago
2024
25-04-2024 1 director appointed, 1 resigning
- Ronny Schoors, Zaakvoerder
- Ronny Schoors, Zaakvoerder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_out",
"role": "zaakvoerder",
"person": {
"rrn": null,
"name": "Ronny Schoors",
"address": null,
"birth_date": null
}
},
{
"kind": "director_in",
"role": "zaakvoerder",
"person": {
"rrn": null,
"name": "Ronny Schoors",
"address": null,
"birth_date": null
}
}
],
"schema": "v3.2",
"act_meta": {
"extractor": "qwen3-30b-a3b"
},
"subject_company": {
"kbo": "0474.883.987",
"name_full": "SCHOGEKA"
}
}Credit advice
Company registry (CBE)
Activities
Non-specialised retail sale with food, beverages or tobacco predominating47110Retail trade47112Retail trade471135211252113
Names & trade names
| Legal nameNL | SCHOGEKA |
Similar companies
Baktash
BE 0787.753.133 · Menen
AYAIN
BE 0771.737.542 · Jette
ARMIN W
BE 0676.975.074 · Anderlecht
SIMRAN
BE 0650.570.090 · Anderlecht
Coopérative du Viaduc
BE 0430.932.891 · Tournai