SCALIM
ActiveSummary
SCALIM has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.9m and a net result of -€225,687. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 1325 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability45▲+3
Solvency81▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €260,000 at 30 days acceptable
Liquidity short (current ratio 0.52 against 0.23 in 2024; short-term debt: 9% and cash: 2.9% of total assets), and 43.5% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
56.5%
Return on assets
-3.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Accommodation (NACE 55)
about 6% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€225,687
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
3 d late
2024
26 d early
2023
36 d early
2022
33 d early
2021
41 d early
2020
25 d early
2019
24 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 26 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 45% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 28 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#1 company by total assets in Saint-Ghislain, Accommodation and food service sector#1 company by equity in Saint-Ghislain, Accommodation and food service sector
Equity
€3.9m▼ 2.1%
2024 · €4.0m
Total assets
€7.0m▼ 4.7%
2024 · €7.3m
Net result
-€225,687▲ 14.1%
2024 · -€262,580
Working capital
-€301,542▲ 29.1%
2024 · -€425,564
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 55, Accommodation, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€366,206▼ 616%-€801,693▼ 119%-€440,057▲ 45.1%-€288,210▲ 34.5%-€251,771▲ 12.6%
Net result-€412,051below the sector's middle half▼ 701%-€803,644below the sector's middle half▼ 95.0%-€432,480below the sector's middle half▲ 46.2%-€262,580below the sector's middle half▲ 39.3%-€225,687below the sector's middle half▲ 14.1%
Equity€2.3mabove the sector's middle half▲ 20.1%€4.7mabove the sector's middle half▲ 109%€4.2mabove the sector's middle half▼ 11.6%€4.0mabove the sector's middle half▼ 4.3%€3.9mabove the sector's middle half▼ 2.1%
Total assets€8.3mabove the sector's middle half▲ 300%€9.9mabove the sector's middle half▲ 19.2%€7.8mabove the sector's middle half▼ 21.3%€7.3mabove the sector's middle half▼ 6.6%€7.0mabove the sector's middle half▼ 4.7%
Debt€6.1m▲ 3,088%€5.2m▼ 14.3%€3.6m▼ 30.2%€3.3m▼ 9.4%€3.0m▼ 7.8%
Working capital€52,053above the sector's middle half▼ 83.7%€1.4mabove the sector's middle half▲ 2,494%-€297,810below the sector's middle half-€425,564below the sector's middle half▼ 42.9%-€301,542below the sector's middle half▲ 29.1%
Solvency27.3%within the sector's middle half▼ 63.6pp47.7%within the sector's middle half▲ 20.5pp53.6%within the sector's middle half▲ 5.9pp55.0%above the sector's middle half▲ 1.4pp56.5%above the sector's middle half▲ 1.5pp
Current ratio1.15within the sector's middle half▼ 1.543.70above the sector's middle half▲ 2.560.47within the sector's middle half▼ 3.230.23within the sector's middle half▼ 0.250.52within the sector's middle half▲ 0.29
Return on assets (ROA)-4.9%within the sector's middle half▼ 2.5pp-8.1%below the sector's middle half▼ 3.1pp-5.5%below the sector's middle half▲ 2.6pp-3.6%within the sector's middle half▲ 1.9pp-3.2%within the sector's middle half▲ 0.4pp
Staff (FTE)4.325▲ 481%38.2▲ 52.8%43.3▲ 13.4%37.4▼ 13.6%
above
within
below
the middle half (P25 to P75) of NACE 55, Accommodation, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €251,771 in 2025 against €288,210 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.0m
Fixed assets
€6.6m ▼ 7.5%
Current assets
€321,362 ▲ 160%
Equity and liabilities €7.0m
Equity
€3.9m ▼ 2.1%
Debt
€3.0m ▼ 7.8%
Debt's share of the balance-sheet total falls from 45.0% to 43.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€310,261▲
2024 · €300,115
Cash flow
€336,345▲
2024 · €325,745
Quick ratio
0.46▲
2024 · 0.16
Debt to equity
0.77▼
2024 · 0.82
ROE
-5.7%▲
2024 · -6.5%
Interest coverage
3.65▲
2024 · 3.36
Debt ≤ 1 year
€622,904▲
2024 · €549,348
Debt > 1 year
€2.4m▼
2024 · €2.7m
Income taxes
€842▼
2024 · €1,266
Staff costs
€1.4m▲
2024 · €1.2m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 929 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 93% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a small loss
1.7%
went bankrupt
5.6%
stopped otherwise
93%
still going
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% 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 929 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €185,692 | €966,042 | €1.1m | €1.2m | €1.4m | ▲ 13.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €549,744 | €575,158 | €588,324 | €562,031 | ▼ 4.5% |
| Other operating charges640/8 | €36,539 | €38,515 | €10,462 | €11,213 | €37,203 | ▲ 232% |
| Gross operating margin9900 | -€143,975 | €752,608 | €1.2m | €1.5m | €1.7m | ▲ 13.1% |
| Operating profit (loss)9901 | -€366,206 | -€801,693 | -€440,057 | -€288,210 | -€251,771 | ▲ 12.6% |
| Financial income75/76B | €590 | €116,745 | €116,249 | €116,159 | €111,869 | ▼ 3.7% |
| Recurring financial income75 | €590 | €613 | €116,249 | €116,159 | €111,869 | ▼ 3.7% |
| Non-recurring financial income76B | - | €116,131 | - | - | - | - |
| Financial charges65/66B | €46,435 | €118,106 | €107,791 | €89,262 | €84,943 | ▼ 4.8% |
| Recurring financial charges65 | €46,435 | €118,106 | €107,791 | €89,262 | €84,943 | ▼ 4.8% |
| Profit (loss) for the period before taxes9903 | -€412,051 | -€803,054 | -€431,600 | -€261,313 | -€224,845 | ▲ 14.0% |
| Income taxes67/77 | - | €590 | €880 | €1,266 | €842 | ▼ 33.5% |
| Profit (loss) for the period9904 | -€412,051 | -€803,644 | -€432,480 | -€262,580 | -€225,687 | ▲ 14.1% |
| Profit (loss) for the period to be appropriated9905 | -€412,051 | -€803,644 | -€432,480 | -€262,580 | -€225,687 | ▲ 14.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €8.3m | €9.9m | €7.8m | €7.3m | €7.0m | ▼ 4.7% |
| Fixed assets21/28 | €7.9m | €8.1m | €7.5m | €7.2m | €6.6m | ▼ 7.5% |
| Intangible fixed assets21 | - | €45,882 | €24,320 | €545 | - | - |
| Tangible fixed assets22/27 | €7.9m | €8.0m | €7.5m | €7.2m | €6.6m | ▼ 7.5% |
| Land and buildings22 | €70,311 | €7.6m | €7.2m | €6.9m | €6.5m | ▼ 6.7% |
| Furniture and vehicles24 | €961,518 | €398,618 | €323,991 | €258,458 | €181,076 | ▼ 29.9% |
| Assets under construction and advance payments27 | €6.9m | - | - | - | - | - |
| Financial fixed assets28 | €363 | €1,363 | €1,363 | €1,363 | €1,363 | = |
| Current assets29/58 | €407,418 | €1.9m | €268,761 | €123,784 | €321,362 | ▲ 160% |
| Stocks and contracts in progress3 | €10,936 | €26,447 | €31,959 | €37,697 | €37,937 | ▲ 0.6% |
| Stocks30/36 | €10,936 | €26,447 | €31,959 | €37,697 | €37,937 | ▲ 0.6% |
| Amounts receivable within one year40/41 | €84,877 | €49,722 | €40,543 | €46,778 | €47,454 | ▲ 1.4% |
| Trade receivables40 | €5,613 | €21,377 | €25,533 | €28,734 | €47,282 | ▲ 64.6% |
| Other amounts receivable41 | €79,264 | €28,344 | €15,010 | €18,044 | €172 | ▼ 99.0% |
| Cash at bank and in hand54/58 | €297,900 | €1.7m | €162,286 | €12,424 | €201,264 | ▲ 1,520% |
| Deferred charges and accrued income490/1 | €13,705 | €28,344 | €33,974 | €26,885 | €34,707 | ▲ 29.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €8.3m | €9.9m | €7.8m | €7.3m | €7.0m | ▼ 4.7% |
| Equity10/15 | €2.3m | €4.7m | €4.2m | €4.0m | €3.9m | ▼ 2.1% |
| Contributions10/11 | €2.0m | €4.2m | €4.2m | €4.4m | €4.7m | ▲ 5.7% |
| Profit (loss) carried forward14 | -€519,588 | -€1.3m | -€1.8m | -€2.0m | -€2.2m | ▼ 11.2% |
| Investment grants15 | €792,000 | €1.9m | €1.7m | €1.6m | €1.5m | ▼ 6.7% |
| Amounts payable17/49 | €6.1m | €5.2m | €3.6m | €3.3m | €3.0m | ▼ 7.8% |
| Amounts payable after more than one year17 | €5.7m | €4.7m | €3.1m | €2.7m | €2.4m | ▼ 12.2% |
| Financial debts170/4 | €5.7m | €4.7m | €3.1m | €2.7m | €2.4m | ▼ 12.2% |
| Amounts payable within one year42/48 | €355,365 | €499,854 | €566,571 | €549,348 | €622,904 | ▲ 13.4% |
| Current portion of amounts payable after more than one year42 | - | €300,756 | €337,585 | €359,652 | €366,837 | ▲ 2.0% |
| Trade debts44 | €349,035 | €65,028 | €90,591 | €71,934 | €78,486 | ▲ 9.1% |
| Suppliers440/4 | €349,035 | €65,028 | €90,591 | €71,934 | €78,486 | ▲ 9.1% |
| Advances received on contracts in progress46 | €224 | - | - | - | €12,893 | - |
| Taxes, remuneration and social security45 | €6,106 | €134,071 | €135,744 | €111,100 | €164,628 | ▲ 48.2% |
| Taxes450/3 | - | €16,098 | €18,889 | €8,054 | €12,137 | ▲ 50.7% |
| Remuneration and social security454/9 | €6,106 | €117,973 | €116,855 | €103,047 | €152,491 | ▲ 48.0% |
| Other amounts payable47/48 | - | - | €2,651 | €6,661 | €60 | ▼ 99.1% |
| Accrued charges and deferred income492/3 | €6,038 | €19,111 | €8,317 | €10,733 | €13,308 | ▲ 24.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€412,051 | -€803,644 | -€432,480 | -€262,580 | -€225,687 | ▲ 14.1% |
| + Depreciation and write-downs630 | - | €549,744 | €575,158 | €588,324 | €562,031 | ▼ 4.5% |
| Operating cash flow (approximation) | -€412,051 | -€253,900 | €142,678 | €325,745 | €336,345 | ▲ 3.3% |
| Investment in fixed assets (approximation) | - | -€705,642 | -€41,977 | -€214,892 | -€24,080 | ▲ 88.8% |
| Change in cash | - | €1.4m | -€1.6m | -€149,862 | €188,841 | ▲ 226% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-09
State Gazette act
Capital & shares · MiscellaneousCapital increase · Declaration6 facts ▸
State Gazette act
Capital & shares · Miscellaneous
Capital increase · Declaration6 facts ▸
- General meeting, 28-08-2026
- Capital increase, €240.000
- Declaration, renonciation au droit de souscription préférentielle, article 5:128 CSA
- Declaration, renonciation au délai de quinze jours, article 5:129 CSA
- Declaration, renonciation au rapport de l'organe d'administration, à l'unanimité
- Board meeting, exécution des décisions prises, confier tous pouvoirs au président de l'organe d'administration
07-08
State Gazette act
Resignation: Andreani Rosetta (director)Director discharge4 facts ▸
State Gazette act
Resignation: Andreani Rosetta (director)
Director discharge4 facts ▸
- General meeting, 20-06-2025
- Director resignation, Andreani Rosetta (director)
- Director discharge, Andreani Rosetta (director)
- General meeting, 15:00
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
05-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€803,644
Net result drops to -€803,644, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 3.70
Current ratio from 1.15 to 3.70.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €2mEq €2.3m ▲20.1%
Equity rises from €1.9m to €2.3m.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €1mEq €1.9m ▲100%
Equity rises from €943,898 to €1.9m.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 9 acts read
About the unread acts
Of the 9 Belgian State Gazette acts we know for this company, 2 have been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
7 of this company's 9 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Saint-Ghislain · 1 establishment unit since 2017
Ground area
4,052 m²
Building footprint
607 m²
Parcel 53070A0167/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SCALIM
since 20172.269.203.647
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53070A0167/00P000 | Wallonia | 4,052 m² | 1 · 606 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Andreani Rosetta |
|
Articles of association
Other statement
L'assemblée se prononcera sur la décharge de l'année en cours lors de la prochaine assemblée statutaire approuvant les comptes de l'année 2025.
Structure & network
Connections & network
No current directors or connected companies found in the register.
Capital and shareholders
Shareholders according to the acts
After the capital increase
act of 04-09-2026 ↗
- ANDREANI Savine 240,000 EUR
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 04-09-2026 Capital increase of 240,000 EUR · to 4,890,000 EUR · no new shares · in cash
Recognitions · licences · registrations
Food safety, FASFC
1 siteSaint-Ghislain2.269.203.647
Similar companies · same sector, comparable size
BEGIJNHOF CONGRESHOTEL
BE 0434.903.854
Leuven · Eq €3,934,470
HOTEL RESTAURANT CHARLEROI AIRPORT
BE 0477.295.923
Charleroi · Eq €3,883,610
DIFFERENT HOTELS
BE 0882.142.843
Genk · Eq €4,018,383
Cosmopolite
BE 0839.789.574
Nieuwpoort · Eq €3,829,816
BORGOUMONT
BE 0778.806.070
Dison · Eq €4,095,205
Of 2,393 companies in sector 55100 we hold annual accounts for 1,518. 610 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-10-2017
Fiscal year end31-12
Activities, NACEBEL 2025
55100Hotels and similar accommodation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0682869211
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.