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S.C.B. CREDITS & SERVICES

Active Risk: not assessed
Private limited companyfounded 2019active for 6 yearsRue Moncoureur (G.) 26, 7011 Mons, BelgiumKBO/BCE: BE 0738.965.893
Summary

S.C.B. CREDITS & SERVICES is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €18,984 and a net result of €29,251. Equity has been shrinking by about 19% per year since 2020. Its solvency ranks better than 25% of 3,060 sector peers (NACE 66, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.

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S.C.B. CREDITS & SERVICESActive
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Overview

Official details

Source: KBO
Status
Active since 11-12-2019 Normal situation
Activity
Insurance agents and brokers NACE 66220
Joint committee
307 Insurance brokers and agencies · annual accounts 2025
Establishment unit
2.297.805.878 7011 Mons, since 11-12-2019
Financial year end
31 December
Peppol
Not found in the Peppol Directory
Company details

Board and ownership

Board
  • Barez ChristopheDirector · since 11-12-2019
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€29,251
▲ 395%
Equity
€18,984
▼ 12.6%
Total assets
€104,621
▲ 13.2%
Employees on 31-12-2025
2
=
Financials
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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Signals

Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 3060 sector peers (2025).
NBB · sector comparison
Position among 3060 sector peers
Solvency
better than 25%
← weakest strongest →
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 20-07-2026, 11 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
11 days early
2024
31 days early
2023
36 days early
2022
3 days early
2021
27 days early
2020
61 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 8 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% 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 4 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Less equity than 81% of companies in auxiliary financial servicessector median €119,030 · 3,063 companies €18,984 View
  • Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View

Recent changes

  1. · Gazette deed Incorporation
All 9 events

Comparable companies

These companies have the same main activity as S.C.B. CREDITS & SERVICES: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €77,000 and €148,000, founded between 2017 and 2021.

CompanyTotal assetsGross margin
S.C.B. CREDITS & SERVICES Mons€104,621€137,931
TransAssur Leuven€117,442€151,171
DDM ASSURANCES Colfontaine€76,973€149,882
TEAM NSR Farciennes€113,429€157,236
IZY FINANCE Brussels€120,904€105,434
3D-Advies Leuven€91,064€112,819
SAVE Antwerp Antwerp€147,510€127,869
Full comparison

Key facts about S.C.B. CREDITS & SERVICES
What is the company number of S.C.B. CREDITS & SERVICES?
The company number of S.C.B. CREDITS & SERVICES is 0738.965.893. The VAT number is the same number with BE in front: BE 0738.965.893.
Where is S.C.B. CREDITS & SERVICES based?
The registered office is at Rue Moncoureur (G.) 26, 7011 Mons.Company details
What does S.C.B. CREDITS & SERVICES do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of S.C.B. CREDITS & SERVICES?
S.C.B. CREDITS & SERVICES is a private limited company (BV).
When was S.C.B. CREDITS & SERVICES founded?
S.C.B. CREDITS & SERVICES was founded on 11-12-2019.
Is S.C.B. CREDITS & SERVICES still active?
Yes, S.C.B. CREDITS & SERVICES is an active enterprise in the KBO register.
How many employees does S.C.B. CREDITS & SERVICES have?
S.C.B. CREDITS & SERVICES had an average of 2.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does S.C.B. CREDITS & SERVICES fall under?
In its 2025 annual accounts, S.C.B. CREDITS & SERVICES states joint committee 307 (Insurance brokers and agencies).
What is the turnover of S.C.B. CREDITS & SERVICES?
The turnover in financial year 2025 is ≈ €260,000. This figure is estimated from the gross margin of €137,931 and 31 comparable companies (NACE 66220). It probably lies between €210,000 and €350,000.
Is S.C.B. CREDITS & SERVICES profitable?
In financial year 2025, S.C.B. CREDITS & SERVICES made a profit of €29,251.
Where can I find the annual accounts of S.C.B. CREDITS & SERVICES?
S.C.B. CREDITS & SERVICES filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of S.C.B. CREDITS & SERVICES due?
S.C.B. CREDITS & SERVICES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See whether the workforce is growing and whether people stay.Employer check

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