SC CONCEPTS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €408k and a net result of €335k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 35% of 9863 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
135 d early
2022
38 d early
2021
4 d early
2020
80 d early
2019
50 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€408k▼ 49.2%
2023 · €804k
2018: €675k
2019: €753k
2020: €764k
2021: €783k
2022: €953k
2023: €804k
2018 → 2024
Net result
€335k▼ 63.3%
2023 · €911k
2018: €128k
2019: €153k
2020: €162k
2021: €18k
2022: €170k
2023: €911k
2018 → 2024
Total assets
€1.10M▲ 5.4%
2023 · €1.05M
2018: €1.07M
2019: €1.07M
2020: €1.05M
2021: €909k
2022: €1.01M
2023: €1.05M
2018 → 2024
Solvency
37.1%▼ 39.8pp
2023 · 76.9%
2018: 62.9%
2019: 70.6%
2020: 72.6%
2021: 86.1%
2022: 93.9%
2023: 76.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€764k-€783k▲ 2.4%€953k▲ 21.7%€804k▼ 15.6%€408k▼ 49.2%
Operating result€19k-€32k▲ 69.0%€28k▼ 13.2%€-540€41k
Net result€162k-€18k▼ 88.6%€170k▲ 820%€911k▲ 437%€335k▼ 63.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €41k after a loss of €540 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.10M
Fixed assets
€554k▼ 38.0%
Current assets
€548k▲ 259%
Equity and liabilities €1.10M
Equity
€408k▼ 49.2%
Debt
€693k▲ 187%
The debt ratio rises from 23.1% to 62.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
37.1%▼
2023 · 76.9%
ROE
81.9%▼
2023 · 113.4%
ROA
30.4%▼
2023 · 87.2%
Debt
€693k▲
2023 · €241k
Debt ≤ 1 year
€689k▲
2023 · €225k
Debt > 1 year
€3k▼
2023 · €16k
Income taxes
€12k▲
2023 · €752
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.05M€1.10M▲
Fixed assets21/28€892k€554k▼
Tangible fixed assets22/27€36k€21k▼
Furniture and vehicles24€36k€21k▼
Financial fixed assets28€857k€533k▼
Current assets29/58€153k€548k▲
Amounts receivable within one year40/41€4k€163k▲
Other amounts receivable41€4k€163k▲
Current investments50/53€70k€335k▲
Cash at bank and in hand54/58€79k€49k▼
Deferred charges and accrued income490/1€252€252=
Equity and liabilities
Total equity and liabilities10/49€1.05M€1.10M▲
Equity10/15€804k€408k▼
Contributions10/11€63k€63k=
Reserves13€6k€345k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€6k€345k▲
Profit (loss) carried forward14€734k€0▼
Amounts payable17/49€241k€693k▲
Amounts payable after more than one year17€16k€3k▼
Financial debts170/4€16k€3k▼
Amounts payable within one year42/48€225k€689k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€318€192▼
Suppliers440/4€318€192▼
Taxes, remuneration and social security45€3k€23k▲
Taxes450/3€3k€23k▲
Other amounts payable47/48€209k€654k▲
Accrued charges and deferred income492/3€390€390=
Income statement
Code20232024
Non-recurring operating income76A-€21k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€15k€58k▲
Operating profit (loss)9901€-540€41k▲
Financial income75/76B€913k€306k▼
Recurring financial income75€913k€306k▼
Financial charges65/66B€635€411▼
Recurring financial charges65€635€411▼
Profit (loss) for the period before taxes9903€912k€347k▼
Income taxes67/77€752€12k▲
Profit (loss) for the period9904€911k€335k▼
Profit (loss) for the period to be appropriated9905€911k€335k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.79M€1.07M▼
Profit (loss) brought forward from the previous period14P€883k€734k▼
Transfer to equity691/2-€339k
To other reserves6921-€339k
Profit to be distributed694/7€1.06M€730k▼
Return on contributions (dividend)694€1.06M€730k▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €911k ▲437%
Net result €911k, the highest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 6current ratio 3.64
Current ratio from 0.57 to 3.64; short-term debt falls from €46k to €32k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €18k ▼88.6%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
12-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
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
2 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, Herentals · 1 establishment unit since 2015
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.
Ploegstraat(MRH) 82200 HerentalsGround area
390 m²
Building footprint
115 m²
Volume, LiDAR
735 m³
Parcel 13026A0314/00G000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SC Concepts BVBA
since 20152.246.394.195
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13026A0314/00G000 | Flanders | 390 m² | 1 · 115 m² | 10.2 m · 2 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,725 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.