Summary
SCAN e&e is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €248,377 and a net result of €124,148. Equity is growing by about 5.5% per year across the filed financial years. Its solvency ranks better than 67% of 2,986 sector peers (NACE 66, financial year 2025). The company has been active since 1994 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
In the rankings
#6 oldest company in Lier, Finance and insurance sector
Equity
€248,377▼ 22.9%
2024 · €322,050
Net result
€124,148▲ 112%
2024 · €58,666
Total assets
€367,953▼ 8.6%
2024 · €402,655
Solvency
67.5%▼ 12.5pp
2024 · 80.0%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 112% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€181,436
2025
Net result€124,148
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€367,953
2025
Equity€248,377
2025
Debt€119,576
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€133,866
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)33.7%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency67.5%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio2.12
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)1
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance 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), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€111,204-€88,933▼ 20.0%€45,546▼ 48.8%€149,100▲ 227%€59,016▼ 60.4%€18,468▼ 68.7%€85,498▲ 363%€181,436▲ 112%
Net result€77,978-€64,830▼ 16.9%€31,821within the sector's middle half▼ 50.9%€103,755above the sector's middle half▲ 226%€41,565within the sector's middle half▼ 59.9%€12,107within the sector's middle half▼ 70.9%€58,666within the sector's middle half▲ 385%€124,148above the sector's middle half▲ 112%
Equity€198,145-€262,974▲ 32.7%€174,289within the sector's middle half▼ 33.7%€278,045within the sector's middle half▲ 59.5%€319,610above the sector's middle half▲ 14.9%€331,717above the sector's middle half▲ 3.8%€322,050within the sector's middle half▼ 2.9%€248,377within the sector's middle half▼ 22.9%
Total assets€366,772-€336,484▼ 8.3%€242,767within the sector's middle half▼ 27.9%€381,493within the sector's middle half▲ 57.1%€442,426within the sector's middle half▲ 16.0%€425,434within the sector's middle half▼ 3.8%€402,655within the sector's middle half▼ 5.4%€367,953within the sector's middle half▼ 8.6%
Debt€168,627-€73,509▼ 56.4%€68,477▼ 6.8%€103,449▲ 51.1%€122,817▲ 18.7%€93,717▼ 23.7%€80,605▼ 14.0%€119,576▲ 48.3%
Working capital€95,999-€183,336▲ 91.0%€112,522within the sector's middle half▼ 38.6%€228,041above the sector's middle half▲ 103%€214,177above the sector's middle half▼ 6.1%€159,497within the sector's middle half▼ 25.5%€186,884above the sector's middle half▲ 17.2%€133,866within the sector's middle half▼ 28.4%
Solvency54.0%-78.2%▲ 24.1pp71.8%above the sector's middle half▼ 6.4pp72.9%above the sector's middle half▲ 1.1pp72.2%within the sector's middle half▼ 0.6pp78.0%above the sector's middle half▲ 5.7pp80.0%above the sector's middle half▲ 2.0pp67.5%within the sector's middle half▼ 12.5pp
Current ratio1.57-3.49▲ 1.922.64within the sector's middle half▼ 0.853.20within the sector's middle half▲ 0.562.74within the sector's middle half▼ 0.462.70within the sector's middle half▼ 0.043.32within the sector's middle half▲ 0.622.12within the sector's middle half▼ 1.20
Return on assets (ROA)21.3%-19.3%▼ 2.0pp13.1%within the sector's middle half▼ 6.2pp27.2%above the sector's middle half▲ 14.1pp9.4%within the sector's middle half▼ 17.8pp2.8%within the sector's middle half▼ 6.5pp14.6%within the sector's middle half▲ 11.7pp33.7%above the sector's middle half▲ 19.2pp
Staff (FTE)1.6-1.8▲ 12.5%0.8below the sector's middle half▼ 55.6%1▲ 25.0%1=1=1=1=
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance 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 abbreviated or micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €367,953
Fixed assets
€114,511 ▼ 15.3%
Current assets
€253,442 ▼ 5.3%
Equity and liabilities €367,953
Equity
€248,377 ▼ 22.9%
Debt
€119,576 ▲ 48.3%
Debt's share of the balance-sheet total rises from 20.0% to 32.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
50.0%▲
2024 · 18.2%
Debt ≤ 1 year
€119,576▲
2024 · €80,605
Income taxes
€55,320▲
2024 · €25,361
Staff costs
€64,079▲
2024 · €52,655
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €40,573 | €46,706 | €52,542 | €52,655 | €64,079 | ▲ 21.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24,923 | €23,255 | €18,707 | €14,435 | €23,448 | €34,658 | €37,773 | €37,076 | ▼ 1.8% |
| Other operating charges640/8 | - | - | - | €1,098 | €2,202 | €3,027 | €1,873 | €2,812 | ▲ 50.1% |
| Gross operating margin9900 | €204,787 | €191,760 | €104,281 | €205,207 | €131,372 | €108,694 | €177,799 | €285,403 | ▲ 60.5% |
| Operating profit (loss)9901 | €111,204 | €88,933 | €45,546 | €149,100 | €59,016 | €18,468 | €85,498 | €181,436 | ▲ 112% |
| Financial income75/76B | - | - | - | €18 | €26 | €401 | €504 | €745 | ▲ 47.7% |
| Recurring financial income75 | €2,607 | €1,386 | €0 | €18 | €26 | €401 | €504 | €745 | ▲ 47.7% |
| Financial charges65/66B | - | - | - | €963 | €864 | €1,014 | €1,975 | €2,712 | ▲ 37.3% |
| Recurring financial charges65 | €1,124 | €466 | €282 | €963 | €864 | €1,014 | €1,975 | €2,712 | ▲ 37.3% |
| Profit (loss) for the period before taxes9903 | €112,687 | €89,852 | €45,264 | €148,156 | €58,177 | €17,854 | €84,027 | €179,468 | ▲ 114% |
| Income taxes67/77 | €34,709 | €25,023 | €13,443 | €44,400 | €16,612 | €5,747 | €25,361 | €55,320 | ▲ 118% |
| Profit (loss) for the period9904 | €77,978 | €64,830 | €31,821 | €103,755 | €41,565 | €12,107 | €58,666 | €124,148 | ▲ 112% |
| Profit (loss) for the period to be appropriated9905 | €77,978 | €62,243 | €31,821 | €103,755 | €41,565 | €12,107 | €58,666 | €124,148 | ▲ 112% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €366,772 | €336,484 | €242,767 | €381,493 | €442,426 | €425,434 | €402,655 | €367,953 | ▼ 8.6% |
| Fixed assets21/28 | €102,146 | €79,638 | €61,767 | €50,004 | €105,433 | €172,220 | €135,165 | €114,511 | ▼ 15.3% |
| Tangible fixed assets22/27 | €102,146 | €79,638 | €61,767 | €50,004 | €105,433 | €172,220 | €135,165 | €114,511 | ▼ 15.3% |
| Land and buildings22 | - | - | - | €46,638 | €60,212 | €131,070 | €108,577 | €96,736 | ▼ 10.9% |
| Plant, machinery and equipment23 | - | - | - | €1,859 | €6,839 | €3,336 | €1,212 | €2,710 | ▲ 124% |
| Furniture and vehicles24 | - | - | - | €1,507 | €38,381 | €37,813 | €25,377 | €15,065 | ▼ 40.6% |
| Current assets29/58 | €264,626 | €256,846 | €180,999 | €331,489 | €336,993 | €253,214 | €267,490 | €253,442 | ▼ 5.3% |
| Amounts receivable within one year40/41 | €122,574 | €101,590 | €70,728 | €86,883 | €125,006 | €105,768 | €98,496 | €89,568 | ▼ 9.1% |
| Trade receivables40 | - | - | - | €86,883 | €116,618 | €86,398 | €96,924 | €89,568 | ▼ 7.6% |
| Other amounts receivable41 | - | - | - | €0 | €8,388 | €19,370 | €1,572 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €137,856 | €149,401 | €101,126 | €235,527 | €201,404 | €136,886 | €160,623 | €155,881 | ▼ 3.0% |
| Deferred charges and accrued income490/1 | - | - | - | €9,080 | €10,583 | €10,559 | €8,370 | €7,992 | ▼ 4.5% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €366,772 | €336,484 | €242,767 | €381,493 | €442,426 | €425,434 | €402,655 | €367,953 | ▼ 8.6% |
| Equity10/15 | €198,145 | €262,974 | €174,289 | €278,045 | €319,610 | €331,717 | €322,050 | €248,377 | ▼ 22.9% |
| Contributions10/11 | €7,445 | €7,445 | - | €7,445 | €7,445 | €7,445 | €7,445 | €7,445 | = |
| Reserves13 | €190,700 | €255,530 | €166,844 | €270,600 | €312,165 | €324,272 | €314,605 | €240,932 | ▼ 23.4% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Tax-exempt reserves132 | - | - | - | €2,586 | €2,586 | €2,586 | €2,586 | €2,586 | = |
| Distributable reserves133 | - | - | - | €266,154 | €307,719 | €321,686 | €312,018 | €238,346 | ▼ 23.6% |
| Profit (loss) carried forward14 | -€38,766 | -€9,644 | - | €0 | - | - | €0 | €0 | - |
| Amounts payable17/49 | €168,627 | €73,509 | €68,477 | €103,449 | €122,817 | €93,717 | €80,605 | €119,576 | ▲ 48.3% |
| Amounts payable within one year42/48 | €168,627 | €73,509 | €68,477 | €103,449 | €122,817 | €93,717 | €80,605 | €119,576 | ▲ 48.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | €8,247 | €8,255 | €8,333 | €8,452 | €10,000 | ▲ 18.3% |
| Trade debts44 | €76,453 | €37,186 | €34,510 | €33,849 | €57,451 | €54,390 | €35,400 | €26,789 | ▼ 24.3% |
| Suppliers440/4 | - | - | - | €33,849 | €57,451 | €54,390 | €35,400 | €26,789 | ▼ 24.3% |
| Taxes, remuneration and social security45 | - | - | - | €48,169 | €43,928 | €30,398 | €36,753 | €50,889 | ▲ 38.5% |
| Taxes450/3 | - | - | - | €40,727 | €35,803 | €21,399 | €30,956 | €44,537 | ▲ 43.9% |
| Remuneration and social security454/9 | - | - | - | €7,442 | €8,124 | €8,999 | €5,798 | €6,352 | ▲ 9.6% |
| Other amounts payable47/48 | - | - | - | €13,183 | €13,183 | €595 | €0 | €31,897 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €77,978 | €64,830 | €31,821 | €103,755 | €41,565 | €12,107 | €58,666 | €124,148 | ▲ 112% |
| + Depreciation and write-downs630 | €24,923 | €23,255 | €18,707 | €14,435 | €23,448 | €34,658 | €37,773 | €37,076 | ▼ 1.8% |
| Operating cash flow (approximation) | €102,900 | €88,084 | €50,528 | €118,190 | €65,013 | €46,765 | €96,439 | €161,224 | ▲ 67.2% |
| Investment in fixed assets (approximation) | - | -€747 | -€836 | -€2,672 | -€78,877 | -€101,444 | -€718 | -€16,422 | ▼ 2,187% |
| Change in cash | - | €11,544 | -€48,274 | €134,401 | -€34,123 | -€64,518 | €23,737 | -€4,742 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 29 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 22-07-2026 | 2026-00315446 |
| 31-12-2024 | micro format | 18-04-2025 | 2025-00071567 |
| 31-12-2023 | micro format | 01-07-2024 | 2024-00186709 |
| 31-12-2022 | micro format | 11-08-2023 | 2023-00325410 |
| 31-12-2021 | micro format | 09-04-2022 | 2022-20002337 |
| 31-12-2020 | micro format | 12-07-2021 | 2021-34000258 |
| 31-12-2019 | abbreviated format | 26-06-2020 | 2020-21200366 |
| 31-12-2018 | abbreviated format | 06-06-2019 | 2019-16700107 |
| 31-12-2017 | abbreviated format | 29-08-2018 | 2018-53900584 |
| 31-12-2016 | abbreviated format | 29-08-2017 | 2017-51400096 |
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Of the 847 active companies whose main activity is risk and damage evaluation (NACE 66210), figures are known for 521. 429 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 to 2024 · 2 entries · €715 awarded · €715 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2024 | 1 | €179 | €179 |
| 2022 | 1 | €536 | €536 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.