S.C.B.
ActiveS.C.B. has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €224k and a net result of €-601. Equity is shrinking by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 4844 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-38
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 18.92 against 8.32 in 2024; short-term debt: 5.3% and cash: 39.4% of total assets), and 5.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
31 d late
2023
on the day
2022
6 d early
2021
54 d early
2020
2 d early
2019
121 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-601
2024 · €14k
2018: €-972
2019: €24k
2020: €-30k
2021: €18k
2022: €25k
2023: €-14k
2024: €14k
2018 → 2025
Working capital
€224k▼ 0.3%
2024 · €225k
2018: €273k
2019: €300k
2020: €274k
2021: €294k
2022: €223k
2023: €212k
2024: €225k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€300k-€225k▼ 24.8%€212k▼ 6.2%€225k▲ 6.4%€224k▼ 0.3%
Operating result€18k-€30k▲ 65.7%€-14k€14k€-273
Net result€18k-€25k▲ 42.2%€-14k€14k€-601
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €273 after €14k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €237k
Equity
€224k▼ 0.3%
Debt
€13k▼ 59.3%
The debt ratio falls from 12.0% to 5.3%. Equity and debt are lower.
Key figures and ratios
Solvency
94.7%▲
2024 · 88.0%
Current ratio
18.92▲
2024 · 8.32
Quick ratio
9.15▲
2024 · 4.14
Debt / equity
0.06▼
2024 · 0.14
ROE
-0.3%▼
2024 · 6.0%
ROA
-0.3%▼
2024 · 5.3%
Debt
€13k▼
2024 · €31k
Debt ≤ 1 year
€13k▼
2024 · €31k
Income taxes
€0▼
2024 · €79
Staff costs
€209▼
2024 · €71k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€256k€237k▼
Current assets29/58€256k€237k▼
Stocks and contracts in progress3€128k€122k▼
Stocks30/36€128k€122k▼
Amounts receivable within one year40/41€16k€20k▲
Trade receivables40€8k€8k▲
Other amounts receivable41€8k€12k▲
Cash at bank and in hand54/58€111k€93k▼
Deferred charges and accrued income490/1€454€733▲
Equity and liabilities
Total equity and liabilities10/49€256k€237k▼
Equity10/15€225k€224k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€163k€162k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€157k€156k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€31k€13k▼
Amounts payable within one year42/48€31k€13k▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€27k€8k▼
Taxes450/3€21k€8k▼
Remuneration and social security454/9€5k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€71k€209▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€758€672▼
Gross operating margin9900€86k€608▼
Operating profit (loss)9901€14k€-273▼
Financial income75/76B€104€23▼
Recurring financial income75€104€23▼
Financial charges65/66B€345€350▲
Recurring financial charges65€345€350▲
Profit (loss) for the period before taxes9903€14k€-601▼
Income taxes67/77€79€0▼
Profit (loss) for the period9904€14k€-601▼
Profit (loss) for the period to be appropriated9905€14k€-601▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€-601▼
Profit (loss) brought forward from the previous period14P€-2k€0▲
Transfer from equity791/2-€601
Transfer to equity691/2€12k€0▼
To other reserves6921€12k€0▼
Social balance
Average headcount (FTE)90871.30.0▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Liquidity doublescurrent ratio 18.92
Current ratio from 8.32 to 18.92; short-term debt falls from €31k to €13k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity triplescurrent ratio 9.37
Current ratio from 2.75 to 9.37; short-term debt falls from €128k to €25k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €25k ▲42.2%
Net result €25k, the highest in the series.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-30k ▼227%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
01-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Beringen · 1 establishment unit since 1995
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Nijverheidsstraat 473580 BeringenGround area
7,409 m²
Building footprint
317 m²
Volume, LiDAR
3,078 m³
Parcel 71004A0241/00G000, Flanders · tallest building 15.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
S.C.B.
since 19952.074.144.961
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71004A0241/00G000 | Flanders | 7,409 m² | 1 · 317 m² | 15.3 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 732 companies in sector 46820 we hold annual accounts for 388. 229 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-10-1995
Fiscal year end31-12
Activities, NACEBEL
46820Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.