Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 24 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 4.1 to 3.
Financials
Financial year 2025
SCHRAMME M. en L. from Nieuwpoort, company number BE0418645565, closed financial year 2025 with a result of € -26,470 after tax. For that financial year SCHRAMME M. en L. recorded a gross margin of € 187,400 and equity of € 107,522. Compared with financial year 2024, the result moved from € -59,535 to € -26,470. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 24, 2026.
€ 107,522
▼ 20% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -26,470
▲ 56 % less loss than in 2024
Profit after tax over the fiscal year.
€ 28,542
▲ 115% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 82,522.
People and assets in 2025
3
▼ 0.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 166,991
▼ 5% vs 2024
€ 55,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 10,826
▼ 58% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 130,395
▲ 3% vs 2024
€ 14,718 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 37,659
▼ 44% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 19,691
▼ 40% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 317,404 | € 252,343 | € 162,776 | € 187,400 | ▲ 15% |
| Profit after taxes | € 60,339 | € 3,437 | € -59,535 | € -26,470 | ▲ € 33,065 |
| Equity | € 190,090 | € 193,526 | € 133,992 | € 107,522 | ▼ 20% |
| Total debts | € 306,323 | € 229,540 | € 250,729 | € 230,308 | ▼ 8% |
| Cash | € 54,041 | € 18,848 | € 13,249 | € 28,542 | ▲ 115% |
| Land & buildings | € 151,166 | € 147,898 | € 137,796 | € 127,695 | ▼ 7% |
| Retained profit | € 165,090 | € 168,526 | € 108,992 | € 82,522 | ▼ 24% |
| Dividend | € 25,000 | € 0 | € 0 | € 0 | |
| Bank debt | € 184,215 | € 142,056 | € 127,141 | € 130,395 | ▲ 3% |
| Balance sheet total | € 496,413 | € 423,066 | € 384,721 | € 337,830 | ▼ 12% |
| Employees (FTE) | 4 | 4.1 | 3.6 | 3 | ▼ 0.6 |
Key figures of SCHRAMME M. en L., 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 SCHRAMME M. en L.?
What happened at SCHRAMME M. en L. in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 26,470. filed late Source: NBB ↗
- Schramme Invest CommV became a director. NBB
- New establishment in Veurne. KBO
- New establishment in Nieuwpoort. KBO
- Start of the company according to the CBE. KBO
In short
From € 60,339 profit in 2022 to € 26,470 loss in 2025.
Paid € 8,606 in corporate taxes since 2022.
Best year ever: 2022, with € 60,339 profit.
On average € 62,500 of value added per employee in 2025.
A new publication or filing at SCHRAMME M. en L.? We notify you, reason included.
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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 SCHRAMME M. en L. is Schramme Invest CommV.
Directors
According to the 2025 annual accounts
Director · represented by Bram Schramme
since 2018
Establishments
Establishment units
Physical locations of this company
Marktstraat 20-22
8620 Nieuwpoort
Marktstraat 20
8620 Nieuwpoort
Active since 14 September 1978
Ondernemingenstraat 12
8630 Veurne
Active since 25 January 2008
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0418.645.565
- VAT number
- BE 0418.645.565
- Registered office
- Marktstraat 20-22, 8620 Nieuwpoort
- Names & denominations
- SCHRAMME M. en L.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 August 1978
- Peppol
- Active · Active since 27 Aug 2023
- Activities · NACE
Detailhandel in tapijten en andere vloerbedekking en wandbekleding
Detailhandel in artikelen voor verlichting en woninginrichting
Schilderen
Schilderen van gebouwen
Detailhandel in ijzerwaren, verf, bouwmaterialen (inclusief doe-het-zelfzaken) met een verkoopsoppervlakte van minder dan 400 m2
Detailhandel in ijzerwaren, bouwmaterialen, verf en glas (algemeen assortiment)