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SC Software

Active
Private limited companyfounded 2016active for 10 yearsSpiekelei 3, 2820 Bonheiden, BelgiumKBO/BCE: BE 0657.748.783
Summary

SC Software has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78,985 and a net result of €58,985. Equity is shrinking by about 12% per year across the filed financial years. Its solvency ranks better than 83% of 21,110 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Financials · financial year 2025, micro format

Turnover
≈ €150,000
Estimated: probably between €130,000 and €200,000
Total assets
€91,417▼ 9.2%
2024 · €100,728
Net result
€58,985▼ 11.8%
2024 · €66,893
Working capital
€71,181▼ 14.9%
2024 · €83,692
Trend over the years

2021 to 2025, 5 financial years 2019 to 2025, 7 financial years

The operating result falls in 2025; 2025 is 11% below 2024.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€74,455 2025 Net result€58,985 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 62, Computer programming, consultancy and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line2019202020212022202320242025
Operating result€62,651-€41,558▼ 33.7%€42,381▲ 2.0%€58,143▲ 37.2%€66,808▲ 14.9%€83,999▲ 25.7%€74,455▼ 11.4%
Net result€42,706-€32,146within the sector's middle half▼ 24.7%€32,836within the sector's middle half▲ 2.1%€45,779above the sector's middle half▲ 39.4%€52,905above the sector's middle half▲ 15.6%€66,893above the sector's middle half▲ 26.4%€58,985above the sector's middle half▼ 11.8%
Equity€189,164-€221,310above the sector's middle half▲ 17.0%€254,146above the sector's middle half▲ 14.8%€200,153above the sector's middle half▼ 21.2%€176,829above the sector's middle half▼ 11.7%€86,943within the sector's middle half▼ 50.8%€78,985within the sector's middle half▼ 9.2%
Total assets€200,185-€241,568within the sector's middle half▲ 20.7%€279,216within the sector's middle half▲ 15.6%€224,810within the sector's middle half▼ 19.5%€190,945within the sector's middle half▼ 15.1%€100,728within the sector's middle half▼ 47.2%€91,417within the sector's middle half▼ 9.2%
Debt€11,021-€20,258▲ 83.8%€25,070▲ 23.8%€24,657▼ 1.6%€14,116▼ 42.7%€13,785▼ 2.4%€12,432▼ 9.8%
Working capital€171,134-€210,647above the sector's middle half▲ 23.1%€249,750above the sector's middle half▲ 18.6%€200,153above the sector's middle half▼ 19.9%€171,705above the sector's middle half▼ 14.2%€83,692within the sector's middle half▼ 51.3%€71,181within the sector's middle half▼ 14.9%
Solvency94.5%-91.6%above the sector's middle half▼ 2.9pp91.0%above the sector's middle half▼ 0.6pp89.0%above the sector's middle half▼ 2.0pp92.6%above the sector's middle half▲ 3.6pp86.3%above the sector's middle half▼ 6.3pp86.4%above the sector's middle half▲ 0.1pp
Current ratio16.53-11.40above the sector's middle half▼ 5.1310.96above the sector's middle half▼ 0.449.12above the sector's middle half▼ 1.8413.16above the sector's middle half▲ 4.057.07above the sector's middle half▼ 6.096.73above the sector's middle half▼ 0.35
Return on assets (ROA)21.3%-13.3%within the sector's middle half▼ 8.0pp11.8%within the sector's middle half▼ 1.5pp20.4%within the sector's middle half▲ 8.6pp27.7%within the sector's middle half▲ 7.3pp66.4%above the sector's middle half▲ 38.7pp64.5%above the sector's middle half▼ 1.9pp
above within below the middle half of NACE 62, Computer programming, consultancy and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91,417
Fixed assets €7,804 ▲ 140%
Current assets €83,613 ▼ 14.2%
Equity and liabilities €91,417
Equity €78,985 ▼ 9.2%
Debt €12,432 ▼ 9.8%
Debt's share of the balance-sheet total falls from 13.7% to 13.6%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€77,075▼
2024 · €85,872
Cash flow
€61,605▼
2024 · €68,766
Debt to equity
0.16▼
2024 · 0.16
ROE
74.7%▼
2024 · 76.9%
Interest coverage
over 100
2024 · over 100
Debt ≤ 1 year
€12,432▼
2024 · €13,785
Income taxes
€15,416▼
2024 · €17,052
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 34,693 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95.3% are still going.

  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
3.9% stopped otherwise
95.3% still going

For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 34,693 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet Code20242025
Assets
Total assets20/58€100,728€91,417▼
Fixed assets21/28€3,251€7,804▲
Tangible fixed assets22/27€3,251€7,804▲
Plant, machinery and equipment23€3,251€1,378▼
Furniture and vehicles24-€6,426
Current assets29/58€97,477€83,613▼
Amounts receivable within one year40/41€14,005€18,822▲
Trade receivables40€14,005€14,186▲
Other amounts receivable41-€4,636
Cash at bank and in hand54/58€83,472€64,791▼
Equity and liabilities
Total equity and liabilities10/49€100,728€91,417▼
Equity10/15€86,943€78,985▼
Contributions10/11€20,000€20,000=
Reserves13€66,943€58,985▼
Distributable reserves133€66,943€58,985▼
Amounts payable17/49€13,785€12,432▼
Amounts payable within one year42/48€13,785€12,432▼
Trade debts44-€1,717
Suppliers440/4-€1,717
Taxes, remuneration and social security45€11,752€10,562▼
Taxes450/3€9,072€7,882▼
Remuneration and social security454/9€2,680€2,680=
Other amounts payable47/48€2,032€153▼
Income statement Code20242025
Non-recurring operating income76A-€1,000
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,873€2,620▲
Other operating charges640/8€698€719▲
Gross operating margin9900€86,570€77,793▼
Operating profit (loss)9901€83,999€74,455▼
Financial charges65/66B€54€54▲
Recurring financial charges65€54€54▲
Profit (loss) for the period before taxes9903€83,945€74,401▼
Income taxes67/77€17,052€15,416▼
Profit (loss) for the period9904€66,893€58,985▼
Profit (loss) for the period to be appropriated9905€66,893€58,985▼
Appropriation of the result
Profit (loss) to be appropriated9906€66,893€58,985▼
Transfer from equity791/2€156,779€66,943▼
Transfer to equity691/2€66,893€58,985▼
To other reserves6921€66,893€58,985▼
Profit to be distributed694/7€156,779€66,943▼
Return on contributions (dividend)694€156,779€66,943▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2019202020212022202320242025Change
Non-recurring operating income76A------€1,000-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11,762€7,366€6,267€4,396€495€1,873€2,620▲ 39.9%
Other operating charges640/8--€827€678€739€698€719▲ 3.0%
Gross operating margin9900€75,395€49,835€49,476€63,217€68,041€86,570€77,793▼ 10.1%
Operating profit (loss)9901€62,651€41,558€42,381€58,143€66,808€83,999€74,455▼ 11.4%
Financial income75/76B--€12-----
Recurring financial income75€0€8€12-----
Financial charges65/66B--€63€54€145€54€54▲ 0.2%
Recurring financial charges65€81€82€63€54€145€54€54▲ 0.2%
Profit (loss) for the period before taxes9903€62,570€41,484€42,331€58,089€66,663€83,945€74,401▼ 11.4%
Income taxes67/77€19,864€9,338€9,495€12,310€13,758€17,052€15,416▼ 9.6%
Profit (loss) for the period9904€42,706€32,146€32,836€45,779€52,905€66,893€58,985▼ 11.8%
Profit (loss) for the period to be appropriated9905€42,706€32,146€32,836€45,779€52,905€66,893€58,985▼ 11.8%
Line2019202020212022202320242025Change
Assets
Total assets20/58€200,185€241,568€279,216€224,810€190,945€100,728€91,417▼ 9.2%
Fixed assets21/28€18,029€10,663€4,396-€5,124€3,251€7,804▲ 140%
Tangible fixed assets22/27€18,029€10,663€4,396-€5,124€3,251€7,804▲ 140%
Plant, machinery and equipment23----€5,124€3,251€1,378▼ 57.6%
Furniture and vehicles24--€4,396---€6,426-
Current assets29/58€182,155€230,905€274,820€224,810€185,821€97,477€83,613▼ 14.2%
Amounts receivable within one year40/41€16,077€12,384€15,745€13,371€16,584€14,005€18,822▲ 34.4%
Trade receivables40--€15,745€13,371€14,942€14,005€14,186▲ 1.3%
Other amounts receivable41----€1,642-€4,636-
Cash at bank and in hand54/58€166,078€218,521€259,075€211,440€169,237€83,472€64,791▼ 22.4%
Equity and liabilities
Total equity and liabilities10/49€200,185€241,568€279,216€224,810€190,945€100,728€91,417▼ 9.2%
Equity10/15€189,164€221,310€254,146€200,153€176,829€86,943€78,985▼ 9.2%
Contributions10/11--€20,000€20,000€20,000€20,000€20,000=
Reserves13€169,164€201,310€234,146€180,153€156,829€66,943€58,985▼ 11.9%
Non-distributable reserves130/1--€50€50€50---
Reserves not available under the articles1311--€50€50€50---
Distributable reserves133--€234,096€180,103€156,779€66,943€58,985▼ 11.9%
Amounts payable17/49€11,021€20,258€25,070€24,657€14,116€13,785€12,432▼ 9.8%
Amounts payable within one year42/48€11,021€20,258€25,070€24,657€14,116€13,785€12,432▼ 9.8%
Trade debts44--€666€656€2,026-€1,717-
Suppliers440/4--€666€656€2,026-€1,717-
Taxes, remuneration and social security45--€13,096€11,369€10,218€11,752€10,562▼ 10.1%
Taxes450/3--€10,416€11,369€7,538€9,072€7,882▼ 13.1%
Remuneration and social security454/9--€2,680-€2,680€2,680€2,680=
Other amounts payable47/48--€11,309€12,633€1,873€2,032€153▼ 92.5%
Line2019202020212022202320242025Change
Profit (loss) for the period9904€42,706€32,146€32,836€45,779€52,905€66,893€58,985▼ 11.8%
+ Depreciation and write-downs630€11,762€7,366€6,267€4,396€495€1,873€2,620▲ 39.9%
Operating cash flow (approximation)€54,467€39,512€39,103€50,175€53,400€68,766€61,605▼ 10.4%
Investment in fixed assets (approximation)-€0€0--€0-€7,173-
Change in cash-€52,442€40,554-€47,635-€42,203-€85,765-€18,681▲ 78.2%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (7)
Financial year Type Filed Reference
31-12-2025 micro format 23-07-2026 2026-00321975
31-12-2024 micro format 23-06-2025 2025-00163949
31-12-2023 micro format 28-05-2024 2024-00097992
31-12-2022 micro format 29-06-2023 2023-00172711
31-12-2021 micro format 01-06-2022 2022-20042338
31-12-2020 micro format 19-05-2021 2021-14500370
31-12-2019 micro format 18-05-2020 2020-12300573

Similar companies · same sector, comparable size

Of the 29,903 active companies whose main activity is computer consultancy and computer facilities management (NACE 62200), figures are known for 18,949. 15,984 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.