SC ECO CONSTRUCTION
ActiveThe computed 12-month bankruptcy probability of SC ECO CONSTRUCTION is 2.6% (moderate). The 2025 annual accounts show equity of €63k and a net result of €-13k. Equity is growing by ~33.3% per year across the filed fiscal years. Its solvency ranks better than 29% of 7431 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-49
Solvency48▼-3
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.64 in 2024; short-term debt: 17.7% and cash: 14.3% of total assets), and 77% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
23%
Return on assets
-4.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
27 d late
2022
28 d late
2021
31 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€63k▼ 17.3%
2024 · €76k
2021: €9k
2022: €43k
2023: €57k
2024: €76k
2021 → 2025
Total assets
€273k▼ 8.3%
2024 · €298k
2021: €18k
2022: €72k
2023: €81k
2024: €298k
2021 → 2025
Net result
€-13k
2024 · €19k
2021: €7k
2022: €35k
2023: €13k
2024: €19k
2021 → 2025
Working capital
€18k▼ 36.0%
2024 · €28k
2021: €9k
2022: €39k
2023: €52k
2024: €28k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€43k▲ 395%€57k▲ 31.1%€76k▲ 34.0%€63k▼ 17.3%
Operating result€9k-€51k▲ 487%€18k▼ 65.2%€27k▲ 50.8%€-5k
Net result€7k-€35k▲ 413%€13k▼ 61.0%€19k▲ 43.1%€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €27k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €273k
Fixed assets
€207k▼ 8.3%
Current assets
€67k▼ 8.3%
Equity and liabilities €273k
Equity
€63k▼ 17.3%
Debt
€210k▼ 5.3%
The debt ratio rises from 74.5% to 77.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€14k▼
2024 · €39k
Cash flow
€6k▼
2024 · €32k
Solvency
23.0%▼
2024 · 25.5%
Current ratio
1.37▼
2024 · 1.64
Quick ratio
1.37▼
2024 · 1.64
Debt / equity
3.34▲
2024 · 2.92
ROE
-20.9%▼
2024 · 25.4%
ROA
-4.8%▼
2024 · 6.5%
Interest coverage
1.81▼
2024 · 12.08
Debt
€210k▼
2024 · €222k
Debt ≤ 1 year
€48k▲
2024 · €44k
Debt > 1 year
€162k▼
2024 · €177k
Staff costs
€49k▲
2024 · €30k
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€298k€273k▼
Fixed assets21/28€226k€207k▼
Tangible fixed assets22/27€225k€207k▼
Land and buildings22€184k€175k▼
Plant, machinery and equipment23€1k€957▼
Furniture and vehicles24€40k€30k▼
Financial fixed assets28€250€250=
Current assets29/58€73k€67k▼
Amounts receivable within one year40/41€46k€25k▼
Trade receivables40€29k€14k▼
Other amounts receivable41€17k€11k▼
Cash at bank and in hand54/58€24k€39k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€298k€273k▼
Equity10/15€76k€63k▼
Contributions10/11€2k€2k=
Reserves13€35k€35k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€40k€26k▼
Amounts payable17/49€222k€210k▼
Amounts payable after more than one year17€177k€162k▼
Financial debts170/4€177k€162k▼
Amounts payable within one year42/48€44k€48k▲
Current portion of amounts payable after more than one year42€20k€17k▼
Trade debts44€19k€18k▼
Suppliers440/4€19k€18k▼
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€500€1k▲
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48€2k€11k▲
Accrued charges and deferred income492/3€690€150▼
Income statement
Code20242025
Remuneration, social security and pensions62€30k€49k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€19k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€71k€67k▼
Operating profit (loss)9901€27k€-5k▼
Financial income75/76B€268€4▼
Recurring financial income75€268€4▼
Financial charges65/66B€3k€8k▲
Recurring financial charges65€3k€8k▲
Non-recurring financial charges66B-€613
Profit (loss) for the period before taxes9903€24k€-13k▼
Income taxes67/77€4k-
Profit (loss) for the period9904€19k€-13k▼
Profit (loss) for the period to be appropriated9905€19k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€26k▼
Profit (loss) brought forward from the previous period14P€20k€40k▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-13k ▼168%
Net result drops to €-13k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Highest result since 2021net €35k ▲413%
Operating result €51k, net result €35k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Mouscron · 1 establishment unit since 2021
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.
Boomkwekerijstraat 457700 MouscronGround area
252 m²
Building footprint
41 m²
Volume, LiDAR
358 m³
Parcel 54433E0639/00W002, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SC ECO CONSTRUCTION
since 20212.320.321.261
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54433E0639/00W002 | Wallonia | 252 m² | 1 · 41 m² | 9.9 m · 3 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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SNOEIJS ALGEMENE BOUW- EN ELEKTRICITEITSWERKEN
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,192 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.