Turnover
≈ €51,000 estimated
The micro format states no turnover.
From Scratch
Lifetime
5 annual accounts with figures on one time axisGross marginpeak €26,558 (2025)
€26,558▲ 5.4%
Resultlowest -€7,787 (2021)
€2,871▼ 76.6%
Equitypeak €18,916 (2025)
€18,916▲ 17.9%
Debts
€96,898▲ 19.2%
Board1 name since 2021
1 directorHANKAR AURELIE
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Result from €12,252 to €2,871Equity from €16,045 to €18,916Debts from €81,287 to €96,898Cash from €13,861 to €25,757
Key points
from the 2025 annual accountsChecked score
88
Excellent
Financially stronger than 37% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,669 companies (NACE 82, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.8%
01-2025: 0.8%● unchanged vs 12-2024
02-2025: 0.6%▼ -0.2 percentage points vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.7%▲ +0.1 percentage points vs 03-2025
05-2025: 0.7%● unchanged vs 04-2025
06-2025: 0.7%● unchanged vs 05-2025
07-2025: 0.7%● unchanged vs 06-2025
08-2025: 1.1%▲ +0.4 percentage points vs 07-2025highest value
09-2025: 0.3%▼ -0.8 percentage points vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.2 percentage points vs 07-2026
09-2026: 0.2%▼ -0.3 percentage points vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
lowers risk
Sector: Office administrative, office support and other business support activities (NACE 82)
Liquidity: current ratio 0.54, cash €25,757
Size: total assets €115,813
Figures for financial year 2025 (filed on 30-08-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 25% of them on solvency, 32% on liquidity, 28% on profitability and 64% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,274 companies had the same profile as From Scratch has now. Each dot stands for 9 companies, two years later.
94.7%
were still trading
2.5%
stopped another way
2.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of From Scratch itself is lower: 0.2% within 12 months. It rests on far more data about From Scratch than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,274 companies, not a prediction for From Scratch. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.54 (0.36 in 2024), below 1. Short-term debt is 58.7% and cash 22.2% of total assets. 83.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9675 sector peers (2025).
NBB · sector comparisonPosition among 9675 sector peers
Solvency
better than 24%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €18,916
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
28 days late
2024
30 days late
2023
30 days late
2022
6 days early
2021
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 22 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
HA
HANKAR AURELIE
Director
- HANKAR Aurélie Yvette 100 sharesdeed of 15-06-2021
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0769592060
Incorporation
Founder: HANKAR Aurélie Yvette · Founding capital of €5,000, 100 shares · Appointment: HANKAR Aurélie Yvette (director) · published on 15-06-2021 · Gazette deed
First establishment
Vanderschrickstraat 3-5, Sint-Gillis (bij-Brussel)
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| From Scratch Sint-Gillis (bij-Brussel) | €115,813 | €26,558 | 16.3% | - |
| STOUR Tielt | €137,883 | €27,087 | 83.6% | - |
| AVAVA Consulting Anderlecht | €133,746 | €26,393 | 54.7% | - |
| SALARY PAY Schaerbeek | €102,862 | €32,278 | 11.0% | 0 |
| SALOMA Uccle | €84,407 | €24,650 | -174.6% | - |
| UPTASK Uccle | €93,476 | €19,355 | 83.6% | - |
| GJO COMPANIES Schaerbeek | €87,042 | €35,064 | 76.6% | - |
These companies have the same main activity as From Scratch: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €84,400 and €138,000, founded between 2019 and 2022.
Official details
Source: KBO- Status
- Active since 11-06-2021Normal situation
- Activity
- Office administrative and support servicesNACE 82100and 5 others
- Establishment unit
- 2.318.370.5711060 Sint-Gillis (bij-Brussel), since 11-06-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 02-02-2026
Insights on From Scratch
From Scratch files the micro format. That format states no turnover. The gross margin rose from -€2,505 in 2021 to €26,558 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about From Scratch
- What is the company number of From Scratch?
- The company number of From Scratch is 0769.592.060. The VAT number is the same number with BE in front: BE 0769.592.060.
- Where is From Scratch based?
- The registered office is at Vanderschrickstraat 3-5, 1060 Sint-Gillis (bij-Brussel).Company details
- What does From Scratch do?
- According to the KBO register, the main activity is office administrative and support services (NACE 82100).
- What is the legal form of From Scratch?
- From Scratch is a private limited company (BV).
- When was From Scratch founded?
- From Scratch was founded on 11-06-2021.
- Is From Scratch still active?
- Yes, From Scratch is an active enterprise in the KBO register.
- What is the turnover of From Scratch?
- The turnover in financial year 2025 is ≈ €51,000. This figure is estimated from the gross margin of €26,558 and 37 comparable companies (NACE 82100). It probably lies between €41,000 and €80,000.Financials
- Is From Scratch profitable?
- In financial year 2025, From Scratch made a profit of €2,871.
- Where can I find the annual accounts of From Scratch?
- From Scratch filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of From Scratch due?
- From Scratch must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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