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 2025 and 2026.
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Tight liquidity NBB
Cash and receivables cover 46 % of short-term debt in 2026; threshold 65 %.
Financials
Financial year 2026
SCHRAMTERZAELE from Knokke-Heist, company number BE0642741497, closed financial year 2026 with a result of € -45,140 after tax. For that financial year SCHRAMTERZAELE recorded a gross margin of € 49,112 and equity of € 949,019. Compared with financial year 2025, the result moved from € -82,798 to € -45,140. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 19, 2026.
€ 949,019
▼ 5% vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -45,140
▲ 45 % less loss than in 2025
Profit after tax over the fiscal year.
€ 16,673
▼ 74% vs 2025
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -290,981.
People and assets in 2026
€ 657,222
▼ 4% vs 2025
Of which on lease € 657,222.
Debts at end 2026
€ 716,580
▼ 3% vs 2025
€ 21,975 is repaid this year. At this pace the long-term loan is gone in ≈ 33 years.
€ 2,025
Supplier invoices still open on the last day of the fiscal year.
€ 136
▼ 8% vs 2025
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2023 | 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|---|
| Gross margin | € 91,894 | € 51,797 | € 8,426 | € 49,112 | ▲ € 40,686 |
| Profit after taxes | € 2,796 | € -38,434 | € -82,798 | € -45,140 | ▲ € 37,658 |
| Equity | € 1,115,390 | € 1,076,956 | € 994,159 | € 949,019 | ▼ 5% |
| Total debts | € 793,150 | € 769,588 | € 752,574 | € 734,774 | ▼ 2% |
| Cash | € 120,812 | € 124,658 | € 64,554 | € 16,673 | ▼ 74% |
| Land & buildings | € 1,042,706 | € 1,016,132 | € 1,000,690 | € 1,009,271 | ▲ 1% |
| Retained profit | € -124,610 | € -163,044 | € -245,841 | € -290,981 | ▼ € 45,140 |
| Bank debt | € 778,971 | € 758,747 | € 737,955 | € 716,580 | ▼ 3% |
| Balance sheet total | € 1,908,540 | € 1,846,545 | € 1,746,732 | € 1,683,793 | ▼ 4% |
Key figures of SCHRAMTERZAELE, fiscal years 2023 to 2026, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2027) expected before 31 October 2027.
What happened to SCHRAMTERZAELE?
What happened at SCHRAMTERZAELE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2026: loss of € 45,140. Source: NBB ↗
- Sabine Schram became a director. NBB
- Justin Depauw became a director. NBB
- Florence Depauw became a director. NBB
- New establishment in Knokke-Heist. KBO
- Start of the company according to the CBE. KBO
In short
From € 2,796 profit in 2023 to € 45,140 loss in 2026.
Best year ever: 2023, with € 2,796 profit.
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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 SCHRAMTERZAELE are Sabine Schram, Justin Depauw and Florence Depauw. Sabine Schram is also behind Etablissementen Schram. Florence Depauw is also behind ZAELIG.
Directors
According to the 2026 annual accounts
since 2023
Justin Depauw
Director
since 2023
since 2023
Establishments
Establishment units
Physical locations of this company
Oostkerkestraat 40
8300 Knokke-Heist
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.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
COMBELL-AS, BE
Domain
Domain
zaelighotel.com
Registered
2023-07-19
Registrar
Combell NV
Expires
2026-07-19
Website info
Features
Security
Details
- Company number
- 0642.741.497
- VAT number
- BE 0642.741.497
- Registered office
- Oostkerkestraat 40, 8300 Knokke-Heist
- Names & denominations
- SCHRAMTERZAELE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 November 2015
- Peppol
- Active · Active since 6 Jan 2026
- Contact
- zaelighotel.com