Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 41 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SCHMATZ BUSINESS INSURANCE from Sankt Vith, company number BE0411651271, closed financial year 2025 with a result of € 75,941 after tax. For that financial year SCHMATZ BUSINESS INSURANCE recorded a gross margin of € 149,449 and equity of € 1.7 million. Compared with financial year 2024, the result moved from € 7,453 to € 75,941. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 23, 2026.
€ 1.7 million
▲ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 75,941
▲ € 68,488 vs 2024
Profit after tax over the fiscal year.
€ 16,473
▲ 136% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 43,159 paid out
57 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 224,938
▼ 3% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 553,071
▼ 13% vs 2024
€ 25,773 is repaid this year. At this pace the long-term loan is gone in ≈ 21 years.
€ 213
▼ € 51,811 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 9,878
▲ 16% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 762,233 | € 148,893 | € 146,961 | € 149,449 | ▲ 2% |
| Profit after taxes | € 591,452 | € 54,897 | € 7,453 | € 75,941 | ▲ € 68,488 |
| Equity | € 1,655,308 | € 1,710,205 | € 1,697,351 | € 1,730,132 | ▲ 2% |
| Total debts | € 555,757 | € 309,044 | € 726,039 | € 608,113 | ▼ 16% |
| Cash | € 28,059 | € 44,115 | € 6,970 | € 16,473 | ▲ 136% |
| Land & buildings | € 454,031 | € 442,441 | € 1,020,181 | € 991,941 | ▼ 3% |
| Retained profit | € 1,635,308 | € 1,688,205 | € 1,675,351 | € 1,708,132 | ▲ 2% |
| Dividend | € 0 | € 0 | € 20,307 | € 43,159 | ▲ 113% |
| Bank debt | € 344,634 | € 296,911 | € 638,366 | € 553,071 | ▼ 13% |
| Balance sheet total | € 2,432,816 | € 2,256,404 | € 2,649,598 | € 2,559,995 | ▼ 3% |
Key figures of SCHMATZ BUSINESS INSURANCE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to SCHMATZ BUSINESS INSURANCE?
What happened at SCHMATZ BUSINESS INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 75,941 (▲ € 68,488 vs 2024). Source: NBB ↗
- Olivier SCHMATZ became a director. NBB
- New establishment in Sankt Vith. KBO
- New establishment in Sankt Vith. KBO
- Start of the company according to the CBE. KBO
In short
From € 591,452 profit in 2022 to € 75,941 profit in 2025.
Paid € 194,541 in corporate taxes since 2022.
Best year ever: 2022, with € 591,452 profit.
Paid out € 63,467 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind SCHMATZ BUSINESS INSURANCE is Olivier SCHMATZ. It owns 52.5% of Schmatz & Partners Immolux, 50% of Schmatz & Partners SA, 50% of Schmatz & Partners Immobel SA and 23% of JKS & Partners itself.
Directors
According to the 2025 annual accounts
since 2023
Establishments
Establishment units
Physical locations of this company
Malmedyer Strasse 97 box b
4780 Sankt Vith
Malmedyer Strasse 97 box B
4780 Sankt Vith
Active since 3 March 1972
Malmedyer Strasse 97 B
4780 Sankt Vith
Active since 1 March 2013
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0411.651.271
- VAT number
- BE 0411.651.271
- Registered office
- Malmedyer Strasse 97 bus b, 4780 Sankt Vith
- Names & denominations
- SCHMATZ BUSINESS INSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 November 1971
- Peppol
- Active · Active since 29 Sept 2025
- Activities · NACE
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