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 4 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ENTREPRISE SCHRAM from Houyet, company number BE0840629318, closed financial year 2025 with a result of € -652 after tax. For that financial year ENTREPRISE SCHRAM recorded a gross margin of € 96,738 and equity of € 88,404. Compared with financial year 2024, the result moved from € 1,450 to € -652. 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 June 11, 2026.
€ 88,404
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -652
▼ still € 1,450 profit in 2024
Profit after tax over the fiscal year.
€ 20
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -12,596.
People and assets in 2025
€ 29,456
▼ 59% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 67,935
▼ 18% vs 2024
Of which on lease € 46,996.
Debts at end 2025
€ 281,865
▼ 1% vs 2024
€ 15,990 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 32,136
▲ 39% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 31,535
▼ 69% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 160,348 | € 169,130 | € 141,477 | € 96,738 | ▼ 32% |
| Profit after taxes | € 18,985 | € 25,244 | € 1,450 | € -652 | ▼ € 2,102 |
| Equity | € 62,362 | € 87,606 | € 89,056 | € 88,404 | ▼ 1% |
| Total debts | € 512,727 | € 462,536 | € 476,849 | € 462,361 | ▼ 3% |
| Cash | € 1,720 | € 20 | € 20 | € 20 | |
| Land & buildings | € 350,109 | € 334,247 | € 314,419 | € 298,555 | ▼ 5% |
| Retained profit | € -38,638 | € -13,394 | € -11,944 | € -12,596 | ▼ € 652 |
| Bank debt | € 303,418 | € 286,721 | € 285,730 | € 281,865 | ▼ 1% |
| Balance sheet total | € 575,088 | € 550,142 | € 565,905 | € 550,765 | ▼ 3% |
Key figures of ENTREPRISE SCHRAM, 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 ENTREPRISE SCHRAM?
What happened at ENTREPRISE SCHRAM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 652 (▼ € 2,102 vs 2024). Source: NBB ↗
- PIERRE SCHRAM became a director. NBB
- New establishment in Ciney. KBO
- Start of the company according to the CBE. KBO
In short
From € 18,985 profit in 2022 to € 652 loss in 2025.
Paid € 319 in corporate taxes since 2022.
Best year ever: 2023, with € 25,244 profit.
Management
Behind ENTREPRISE SCHRAM is PIERRE SCHRAM .
Directors
According to the 2025 annual accounts
PIERRE SCHRAM
Director
since 2024
Establishments
Establishment units
Physical locations of this company
Rue de Gendron, Celles 19 box A
5561 Houyet
Rue Rigaud de Corbion(L-C) 24
5590 Ciney
Active since 26 October 2011
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0840.629.318
- VAT number
- BE 0840.629.318
- Registered office
- Rue de Gendron, Celles 19 bus A, 5561 Houyet
- Names & denominations
- ENTREPRISE SCHRAM
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 October 2011
- Peppol
- Active · Active since 16 Oct 2025
- Contact
- [email protected]
- Activities · NACE
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