Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 22 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
SCHAMI from Arlon, company number BE0461540648, closed financial year 2025 with a result of € 3,483 after tax. For that financial year SCHAMI recorded a gross margin of € 21,987 and equity of € 42,822. Compared with financial year 2024, the result moved from € 1,279 to € 3,483. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on September 18, 2026.
€ 42,822
▲ 9% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3,483
▲ 172% vs 2024
Profit after tax over the fiscal year.
€ 6,240
▲ 65% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -18,678.
Debts at end 2025
€ 112,881
▼ 5% vs 2024
€ 6,203 is repaid this year. At this pace the long-term loan is gone in ≈ 18 years.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 19,551 | € 21,030 | € 19,967 | € 21,987 | ▲ 10% |
| Profit after taxes | € 1,301 | € 2,585 | € 1,279 | € 3,483 | ▲ 172% |
| Equity | € 122,711 | € 38,061 | € 39,339 | € 42,822 | ▲ 9% |
| Total debts | € 131,522 | € 212,100 | € 149,651 | € 135,376 | ▼ 10% |
| Cash | € 3,772 | € 5,087 | € 3,779 | € 6,240 | ▲ 65% |
| Land & buildings | € 205,726 | € 193,953 | € 182,212 | € 171,959 | ▼ 6% |
| Retained profit | € -26,025 | € -23,439 | € -22,161 | € -18,678 | ▲ € 3,483 |
| Bank debt | € 130,650 | € 124,864 | € 118,942 | € 112,881 | ▼ 5% |
| Balance sheet total | € 254,234 | € 250,160 | € 188,990 | € 178,199 | ▼ 6% |
Key figures of SCHAMI, 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 SCHAMI?
What happened at SCHAMI in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Wendy MICHEL stepped down as director. NBB
- Jonathan MICHEL stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 3,483 (▲ 172% vs 2024). filed late Source: NBB ↗
- Wendy MICHEL became a director. NBB
- Jonathan MICHEL became a director. NBB
- New establishment in Arlon. KBO
- Start of the company according to the CBE. KBO
In short
From € 1,301 profit in 2022 to € 3,483 profit in 2025.
Best year ever: 2025, with € 3,483 profit.
Management
The stake of ASSURANCES MICHEL ARLON comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
SCHAMIThe shares are held by ASSURANCES MICHEL ARLON (83.3%).
Directors
According to the 2025 annual accounts
Wendy MICHEL
Managing director
since 2023 · until 2029
Jonathan MICHEL
Managing director
since 2023 · until 2029
Shareholders
83.3%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue des Martyrs 9
6700 Arlon
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0461.540.648
- VAT number
- BE 0461.540.648
- Registered office
- Rue des Martyrs 9, 6700 Arlon
- Names & denominations
- SCHAMI
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 26 September 1997
- Peppol
- Not registered