SCHREURS
ActiveSCHREURS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.46M and a net result of €188k. Equity is growing by ~23.4% per year across the filed fiscal years. Its solvency ranks better than 53% of 1847 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
86
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability64▼-36
Solvency85▼-6
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 1.93 in 2023), but 55.9% 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 49
Relative position
BE, all sectors
reference
Sector 49
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
44.1%
Return on assets
5.7%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-05-2025, 69 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
69 d early
2023
43 d early
2022
30 d late
2021
31 d late
2020
30 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.46M▲ 2.7%
2023 · €1.42M
2018: €464k
2019: €563k
2020: €716k
2021: €721k
2022: €1.07M
2023: €1.42M
2018 → 2024
Total assets
€3.30M▲ 11.4%
2023 · €2.97M
2018: €1.10M
2019: €1.43M
2020: €1.70M
2021: €1.95M
2022: €2.75M
2023: €2.97M
2018 → 2024
Net result
€188k▼ 48.6%
2023 · €366k
2018: €226k
2019: €185k
2020: €253k
2021: €355k
2022: €553k
2023: €366k
2018 → 2024
Working capital
€844k▼ 4.3%
2023 · €882k
2018: €177k
2019: €219k
2020: €314k
2021: €292k
2022: €610k
2023: €882k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€716k-€721k▲ 0.7%€1.07M▲ 49.0%€1.42M▲ 32.2%€1.46M▲ 2.7%
Operating result€328k-€469k▲ 43.2%€718k▲ 52.9%€545k▼ 24.1%€295k▼ 45.8%
Net result€253k-€355k▲ 40.5%€553k▲ 55.7%€366k▼ 33.9%€188k▼ 48.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 46% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.30M
Fixed assets
€1.43M▲ 25.5%
Current assets
€1.88M▲ 2.6%
Equity and liabilities €3.30M
Equity
€1.46M▲ 2.7%
Debt
€1.85M▲ 19.4%
The debt ratio rises from 52.1% to 55.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€659k▼
2023 · €897k
Cash flow
€552k▼
2023 · €718k
Solvency
44.1%▼
2023 · 47.9%
Current ratio
1.82▼
2023 · 1.93
Quick ratio
1.80▼
2023 · 1.93
Debt / equity
1.27▲
2023 · 1.09
ROE
12.9%▼
2023 · 25.8%
ROA
5.7%▼
2023 · 12.3%
Interest coverage
11.19▼
2023 · 23.88
Debt
€1.85M▲
2023 · €1.55M
Debt ≤ 1 year
€1.03M▲
2023 · €948k
Debt > 1 year
€812k▲
2023 · €598k
Income taxes
€64k▼
2023 · €151k
Staff costs
€1.42M▲
2023 · €1.39M
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€2.97M€3.30M▲
Fixed assets21/28€1.14M€1.43M▲
Tangible fixed assets22/27€1.06M€1.35M▲
Plant, machinery and equipment23€77k€53k▼
Furniture and vehicles24€228k€279k▲
Leasing and similar rights25€754k€1.02M▲
Financial fixed assets28€78k€78k=
Current assets29/58€1.83M€1.88M▲
Amounts receivable after more than one year29€850k€960k▲
Other amounts receivable291€850k€960k▲
Stocks and contracts in progress3€0€13k▲
Stocks30/36€0€13k▲
Amounts receivable within one year40/41€816k€668k▼
Trade receivables40€816k€656k▼
Other amounts receivable41€0€12k▲
Cash at bank and in hand54/58€151k€229k▲
Deferred charges and accrued income490/1€12k€8k▼
Equity and liabilities
Total equity and liabilities10/49€2.97M€3.30M▲
Equity10/15€1.42M€1.46M▲
Contributions10/11€149k€149k=
Capital10€149k€149k=
Issued capital100€149k€149k=
Reserves13€1.23M€1.24M▲
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Tax-exempt reserves132€147k€162k▲
Distributable reserves133€1.06M€1.06M=
Profit (loss) carried forward14€47k€70k▲
Amounts payable17/49€1.55M€1.85M▲
Amounts payable after more than one year17€598k€812k▲
Financial debts170/4€598k€812k▲
Amounts payable within one year42/48€948k€1.03M▲
Current portion of amounts payable after more than one year42€318k€405k▲
Trade debts44€283k€221k▼
Suppliers440/4€283k€221k▼
Taxes, remuneration and social security45€307k€270k▼
Taxes450/3€99k€71k▼
Remuneration and social security454/9€208k€198k▼
Other amounts payable47/48€40k€138k▲
Income statement
Code20232024
Non-recurring operating income76A€31k€15k▼
Remuneration, social security and pensions62€1.39M€1.42M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€353k€364k▲
Other operating charges640/8€27k€17k▼
Non-recurring operating charges66A-€9k
Gross operating margin9900€2.32M€2.11M▼
Operating profit (loss)9901€545k€295k▼
Financial income75/76B€10k€16k▲
Recurring financial income75€10k€16k▲
Financial charges65/66B€38k€59k▲
Recurring financial charges65€38k€59k▲
Profit (loss) for the period before taxes9903€517k€252k▼
Income taxes67/77€151k€64k▼
Profit (loss) for the period9904€366k€188k▼
Transfer to tax-exempt reserves689€26k€15k▼
Profit (loss) for the period to be appropriated9905€340k€174k▼
Appropriation of the result
Profit (loss) to be appropriated9906€387k€220k▼
Profit (loss) brought forward from the previous period14P€46k€47k▲
Transfer from equity791/2€20k€150k▲
Transfer to equity691/2€340k€150k▼
To other reserves6921€340k€150k▼
Profit to be distributed694/7€20k€150k▲
Return on contributions (dividend)694€20k€150k▲
Directors or managers695€0-
Social balance
Average headcount (FTE)908727.330.0▲
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €553k ▲55.7%
Operating result €718k, net result €553k, both a record.
31-12
Financial
Equity above €1MEq €1.07M ▲49%
5 profitable years in a row build equity to €1.07M.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €185k ▼18.3%
Net result drops to €185k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €563k ▲21.4%
2 profitable years in a row build equity to €563k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
01-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Niel · 1 establishment unit since 1991
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.
Samenwerkingsstraat 442845 NielGround area
8,417 m²
Parcel 11030B0184/00G002, Flanders. Linked by address, not a title deed.
1 establishment unit
Samenwerkingsstraat 44, 2845 Niel
since 19912.055.403.868
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11030B0184/00G002 | Flanders | 8,417 m² | - | - |
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
2022 to 2025 · 6 entries · 224,351 EUR awarded · 17,128 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 209,599 EUR | 2,857 EUR |
| 2024 | 1 | 1,602 EUR | 1,121 EUR |
| 2023 | 2 | 13,079 EUR | 13,079 EUR |
| 2022 | 1 | 71 EUR | 71 EUR |
Schemes
Ecologiepremie+
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteNiel2.055.403.868
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Of 12,449 companies in sector 49410 we hold annual accounts for 8,086. 3,522 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-01-1991
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.