SCHRÖDER René
ActiveSCHRÖDER René has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.70M and a net result of €333k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 61% of 143 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▲+1
Solvency82▼-14
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.33 in 2023; short-term debt: 32.1% and cash: 12.8% of total assets), and 43.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 02
Relative position
BE, all sectors
reference
Sector 02
lower
← 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
56.6%
Return on assets
7%
Age of the figures
21 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
21 d late
2023
33 d early
2022
31 d early
2021
34 d early
2020
12 d late
2019
28 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€333k▲ 48.6%
2023 · €224k
2018: €618k
2019: €557k
2020: €1.23M
2021: €291k
2022: €767k
2023: €224k
2018 → 2024
Working capital
€49k▼ 86.5%
2023 · €364k
2018: €1.04M
2019: €894k
2020: €869k
2021: €1.34M
2022: €556k
2023: €364k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€2.76M-€2.64M▼ 4.2%€2.91M▲ 10.3%€2.73M▼ 6.4%€2.70M▼ 0.9%
Operating result€1.57M-€391k▼ 75.1%€688k▲ 75.9%€284k▼ 58.7%€342k▲ 20.4%
Net result€1.23M-€291k▼ 76.4%€767k▲ 163%€224k▼ 70.8%€333k▲ 48.6%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 20% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.77M
Fixed assets
€3.19M▲ 33.9%
Current assets
€1.58M▲ 7.9%
Equity and liabilities €4.77M
Equity
€2.70M▼ 0.9%
Provisions
€0▼ 100%
Debt
€2.07M▲ 84.7%
The debt ratio rises from 29.2% to 43.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€872k▲
2023 · €809k
Cash flow
€863k▲
2023 · €749k
Solvency
56.6%▼
2023 · 70.8%
Current ratio
1.03▼
2023 · 1.33
Quick ratio
0.99▼
2023 · 1.26
Debt / equity
0.77▲
2023 · 0.41
ROE
12.3%▲
2023 · 8.2%
ROA
7.0%▲
2023 · 5.8%
Interest coverage
24.65▼
2023 · 33.20
Debt
€2.07M▲
2023 · €1.12M
Debt ≤ 1 year
€1.53M▲
2023 · €1.10M
Debt > 1 year
€541k▲
2023 · €21k
Income taxes
€58k▼
2023 · €74k
Staff costs
€983k▼
2023 · €1.00M
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€3.85M€4.77M▲
Fixed assets21/28€2.39M€3.19M▲
Tangible fixed assets22/27€1.38M€2.19M▲
Plant, machinery and equipment23€738k€534k▼
Furniture and vehicles24€644k€742k▲
Leasing and similar rights25-€914k
Financial fixed assets28€1.00M€1.00M=
Current assets29/58€1.47M€1.58M▲
Stocks and contracts in progress3€75k€70k▼
Stocks30/36€75k€70k▼
Amounts receivable within one year40/41€812k€842k▲
Trade receivables40€671k€650k▼
Other amounts receivable41€141k€193k▲
Cash at bank and in hand54/58€470k€609k▲
Deferred charges and accrued income490/1€110k€61k▼
Equity and liabilities
Total equity and liabilities10/49€3.85M€4.77M▲
Equity10/15€2.73M€2.70M▼
Contributions10/11€19k€19k=
Reserves13€2.70M€2.63M▼
Non-distributable reserves130/1€1.00M€1.00M=
Own shares acquired1312-€1.00M
Other1319€1.00M-
Tax-exempt reserves132€123k€114k▼
Distributable reserves133€1.57M€1.51M▼
Profit (loss) carried forward14-€0
Investment grants15€12k€54k▲
Provisions and deferred taxes16€3k€0▼
Deferred taxes168€3k€0▼
Amounts payable17/49€1.12M€2.07M▲
Amounts payable after more than one year17€21k€541k▲
Financial debts170/4-€499k
Other amounts payable178/9€21k€42k▲
Amounts payable within one year42/48€1.10M€1.53M▲
Current portion of amounts payable after more than one year42€196k€142k▼
Trade debts44€416k€878k▲
Suppliers440/4€416k€878k▲
Taxes, remuneration and social security45€90k€112k▲
Taxes450/3€5k€6k▲
Remuneration and social security454/9€85k€107k▲
Other amounts payable47/48€400k€400k=
Income statement
Code20232024
Non-recurring operating income76A€28k€205k▲
Remuneration, social security and pensions62€1.00M€983k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€525k€530k▲
Other operating charges640/8€115k€134k▲
Gross operating margin9900€1.93M€1.99M▲
Operating profit (loss)9901€284k€342k▲
Financial income75/76B€28k€84k▲
Recurring financial income75€28k€84k▲
Financial charges65/66B€24k€38k▲
Recurring financial charges65€24k€35k▲
Non-recurring financial charges66B-€3k
Profit (loss) for the period before taxes9903€287k€388k▲
Transfer from deferred taxes780€11k€3k▼
Income taxes67/77€74k€58k▼
Profit (loss) for the period9904€224k€333k▲
Transfer from tax-exempt reserves789€27k€9k▼
Profit (loss) for the period to be appropriated9905€251k€342k▲
Appropriation of the result
Profit (loss) to be appropriated9906€251k€342k▲
Transfer from equity791/2€149k€58k▼
Profit to be distributed694/7€400k€400k=
Return on contributions (dividend)694€320k€320k=
Directors or managers695€80k€80k=
Social balance
Average headcount (FTE)908717.517.5=
The notes to these accounts (22 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 21 days late
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €224k ▼70.8%
Net result drops to €224k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 12 days late
2020
31-12
Financial
Highest result since 2018net €1.23M ▲121%
Operating result €1.57M, net result €1.23M, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
2016
10-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sankt Vith · 1 establishment unit since 1986
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.
Steinborn,Emmels 64780 Sankt Vith1 establishment unit
Steinborn,Emmels 4, 4780 Sankt Vith
since 19862.036.155.506
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Of 1,556 companies in sector 02200 we hold annual accounts for 449. 216 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-1986
Fiscal year end31-12
Activities, NACEBEL
02012
02200Logging
02400Forestry and logging
02020
46832Wholesale of timber
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filings
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.