SCA Geel
ActiveSCA Geel has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €134k and a net result of €19k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 30% of 3282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-2
Solvency46▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 3.25 in 2024; short-term debt: 35.9% and cash: 58.4% of total assets), but 78.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
21.1%
Return on assets
3%
Age of the figures
9 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
44 d early
2023
15 d early
2022
24 d early
2021
20 d early
2020
38 d early
2019
52 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€134k▲ 16.3%
2024 · €116k
2018: €50k
2019: €53k
2020: €53k
2021: €65k
2022: €82k
2023: €100k
2024: €116k
2018 → 2025
Total assets
€638k▲ 62.9%
2024 · €392k
2018: €518k
2019: €541k
2020: €644k
2021: €588k
2022: €594k
2023: €662k
2024: €392k
2018 → 2025
Net result
€19k▲ 20.4%
2024 · €16k
2018: €-2k
2019: €3k
2020: €332
2021: €12k
2022: €17k
2023: €18k
2024: €16k
2018 → 2025
Working capital
€329k▲ 31.0%
2024 · €251k
2018: €118k
2019: €113k
2020: €224k
2021: €208k
2022: €311k
2023: €489k
2024: €251k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€82k▲ 26.2%€100k▲ 21.4%€116k▲ 15.7%€134k▲ 16.3%
Operating result€39k-€45k▲ 15.9%€44k▼ 1.5%€33k▼ 26.1%€31k▼ 5.2%
Net result€12k-€17k▲ 39.5%€18k▲ 3.0%€16k▼ 10.8%€19k▲ 20.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 5% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €638k
Fixed assets
€79k▲ 177%
Current assets
€559k▲ 53.9%
Equity and liabilities €638k
Equity
€134k▲ 16.3%
Debt
€504k▲ 82.4%
The debt ratio rises from 70.5% to 78.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49k▼
2024 · €118k
Cash flow
€37k▼
2024 · €101k
Solvency
21.1%▼
2024 · 29.5%
Current ratio
2.44▼
2024 · 3.25
Quick ratio
2.44▼
2024 · 3.25
Debt / equity
3.75▲
2024 · 2.39
ROE
14.0%▲
2024 · 13.6%
ROA
3.0%▼
2024 · 4.0%
Interest coverage
19.46▲
2024 · 11.39
Debt
€504k▲
2024 · €276k
Debt ≤ 1 year
€229k▲
2024 · €112k
Debt > 1 year
€39k▲
2024 · €17k
Income taxes
€12k▲
2024 · €9k
Staff costs
€603k▲
2024 · €436k
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€392k€638k▲
Fixed assets21/28€29k€79k▲
Tangible fixed assets22/27€29k€79k▲
Plant, machinery and equipment23€804€18k▲
Furniture and vehicles24€6k€9k▲
Leasing and similar rights25€21k€52k▲
Other tangible fixed assets26€1k-
Current assets29/58€363k€559k▲
Amounts receivable within one year40/41€73k€160k▲
Trade receivables40€50k€101k▲
Other amounts receivable41€23k€60k▲
Cash at bank and in hand54/58€280k€373k▲
Deferred charges and accrued income490/1€10k€26k▲
Equity and liabilities
Total equity and liabilities10/49€392k€638k▲
Equity10/15€116k€134k▲
Contributions10/11€20k€20k=
Reserves13€96k€114k▲
Distributable reserves133€96k€114k▲
Amounts payable17/49€276k€504k▲
Amounts payable after more than one year17€17k€39k▲
Financial debts170/4€17k€39k▲
Amounts payable within one year42/48€112k€229k▲
Current portion of amounts payable after more than one year42€5k€13k▲
Trade debts44€17k€100k▲
Suppliers440/4€17k€100k▲
Taxes, remuneration and social security45€90k€116k▲
Taxes450/3€40k€54k▲
Remuneration and social security454/9€50k€62k▲
Other amounts payable47/48€4€4=
Accrued charges and deferred income492/3€148k€235k▲
Income statement
Code20242025
Non-recurring operating income76A€1k€3k▲
Remuneration, social security and pensions62€436k€603k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€85k€18k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€556k€653k▲
Operating profit (loss)9901€33k€31k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€10k€3k▼
Recurring financial charges65€10k€3k▼
Profit (loss) for the period before taxes9903€25k€31k▲
Income taxes67/77€9k€12k▲
Profit (loss) for the period9904€16k€19k▲
Profit (loss) for the period to be appropriated9905€16k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€19k▲
Transfer to equity691/2€16k€19k▲
To other reserves6921€16k€19k▲
Social balance
Average headcount (FTE)90877.18.7▲
The notes to these accounts (10 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
26-08
State Gazette act
General meeting · Auditor appointment
Power of attorney
13-08
State Gazette act
Incorporation · Founder
Founding capital · Director appointment
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €19k ▲20.4%
Net result €19k, the highest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €100kEq €116k ▲15.7%
6 profitable years in a row build equity to €116k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Geel · 1 establishment unit since 2011
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.
Kollegestraat 662440 GeelGround area
1,424 m²
Building footprint
383 m²
Volume, LiDAR
3,543 m³
Parcel 13008H0600/00W000, Flanders · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SCA Geel
since 20112.194.853.345
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13008H0600/00W000 | Flanders | 1,424 m² | 1 · 383 m² | 15.1 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 5,055 EUR awarded · 5,055 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,905 EUR | 1,905 EUR |
| 2024 | 1 | 1,458 EUR | 1,458 EUR |
| 2023 | 1 | 846 EUR | 846 EUR |
| 2022 | 1 | 846 EUR | 846 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 6,535 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2010
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.