SCANDIA
ActiveSCANDIA has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.36M and a net result of €-367k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 27% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▼-11
Solvency41▲+6
Growth68▼-10
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.05 in 2024; short-term debt: 73.2% and cash: 8.3% of total assets), and 83.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
16.5%
Return on assets
-2.6%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
16 d early
2023
6 d early
2022
17 d early
2021
4 d early
2020
6 d late
2019
31 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€39.28M▲ 209%
2024 · €12.73M
2024: €12.73M
2024 → 2025
EBIT margin
-0.2%▼ 2.0pp
2024 · 1.8%
2024: 1.8%
2024 → 2025
Net result
€-367k
2024 · €35k
2018: €-78k
2019: €106k
2020: €8k
2021: €48k
2022: €148k
2023: €216k
2024: €35k
2018 → 2025
Working capital
€1.14M▲ 202%
2024 · €378k
2018: €187k
2019: €214k
2020: €164k
2021: €229k
2022: €274k
2023: €488k
2024: €378k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€12.73M€39.28M▲ 209%
Equity€585k-€674k▲ 15.2%€849k▲ 25.9%€882k▲ 3.9%€2.36M▲ 167%
Operating result€96k-€231k▲ 141%€383k▲ 65.7%€228k▼ 40.4%€-88k
Net result€48k-€148k▲ 207%€216k▲ 46.5%€35k▼ 83.7%€-367k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €88k after €228k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.32M
Fixed assets
€2.70M▲ 285%
Current assets
€11.62M▲ 40.2%
Equity and liabilities €14.32M
Equity
€2.36M▲ 167%
Provisions
€18k
Debt
€11.94M▲ 47.4%
The debt ratio falls from 90.2% to 83.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€476k▲
2024 · €387k
Cash flow
€198k▲
2024 · €194k
Solvency
16.5%▲
2024 · 9.8%
Current ratio
1.11▲
2024 · 1.05
Quick ratio
0.49▲
2024 · 0.20
Debt / equity
5.07▼
2024 · 9.19
ROE
-15.6%▼
2024 · 4.0%
ROA
-2.6%▼
2024 · 0.4%
Interest coverage
1.54▼
2024 · 2.65
Debt
€11.94M▲
2024 · €8.10M
Debt ≤ 1 year
€10.47M▲
2024 · €7.90M
Debt > 1 year
€1.38M▲
2024 · €148k
Income taxes
€3k▼
2024 · €37k
Staff costs
€2.89M▲
2024 · €637k
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€8.98M€14.32M▲
Fixed assets21/28€701k€2.70M▲
Intangible fixed assets21€123€25k▲
Tangible fixed assets22/27€701k€2.64M▲
Land and buildings22€82k€129k▲
Plant, machinery and equipment23€92k€156k▲
Furniture and vehicles24€188k€604k▲
Other tangible fixed assets26€340k€1.76M▲
Financial fixed assets28€321€31k▲
Companies linked by participating interests282/3-€30k
Participating interests282-€30k
Other financial fixed assets284/8€321€565▲
Amounts receivable and cash guarantees285/8€321€565▲
Current assets29/58€8.28M€11.62M▲
Stocks and contracts in progress3€6.69M€6.53M▼
Stocks30/36€6.69M€6.53M▼
Goods purchased for resale34€6.69M€6.53M▼
Amounts receivable within one year40/41€970k€3.77M▲
Trade receivables40€451k€2.02M▲
Other amounts receivable41€520k€1.75M▲
Cash at bank and in hand54/58€540k€1.18M▲
Deferred charges and accrued income490/1€78k€136k▲
Equity and liabilities
Total equity and liabilities10/49€8.98M€14.32M▲
Equity10/15€882k€2.36M▲
Contributions10/11€200k€274k▲
Capital10€200k€274k▲
Issued capital100€200k€274k▲
Reserves13€104k€1.19M▲
Non-distributable reserves130/1€20k€28k▲
Legal reserve130€20k€28k▲
Tax-exempt reserves132€84k€142k▲
Distributable reserves133-€1.02M
Profit (loss) carried forward14€575k€887k▲
Investment grants15€3k€2k▼
Provisions and deferred taxes16-€18k
Provisions for liabilities and charges160/5-€18k
Other liabilities and charges164/5-€18k
Amounts payable17/49€8.10M€11.94M▲
Amounts payable after more than one year17€148k€1.38M▲
Financial debts170/4€148k€1.38M▲
Credit institutions173€148k€1.38M▲
Amounts payable within one year42/48€7.90M€10.47M▲
Current portion of amounts payable after more than one year42€73k€228k▲
Financial debts43€1.08M€1.88M▲
Credit institutions430/8€1.08M€1.88M▲
Trade debts44€6.57M€7.54M▲
Suppliers440/4€6.57M€7.54M▲
Advances received on contracts in progress46€68k€268k▲
Taxes, remuneration and social security45€115k€562k▲
Taxes450/3€22k€75k▲
Remuneration and social security454/9€93k€488k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€49k€88k▲
Income statement
Code20242025
Operating income70/76A€13.51M€41.95M▲
Turnover70€12.73M€39.28M▲
Other operating income74€782k€2.68M▲
Operating charges60/66A€13.28M€42.04M▲
Goods for resale, raw materials and consumables60€11.52M€35.75M▲
Purchases600/8€15.33M€35.38M▲
Change in stocks: decrease (increase)609€-3.81M€373k▲
Services and other goods61€869k€2.60M▲
Remuneration, social security and pensions62€637k€2.89M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€159k€565k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€72k€-4k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€18k
Other operating charges640/8€28k€223k▲
Operating profit (loss)9901€228k€-88k▼
Financial income75/76B€3k€59k▲
Recurring financial income75€3k€59k▲
Income from financial fixed assets750-€3k
Income from current assets751-€9k
Other financial income752/9€3k€47k▲
Financial charges65/66B€159k€334k▲
Recurring financial charges65€159k€334k▲
Debt charges650€146k€309k▲
Other financial charges652/9€12k€25k▲
Profit (loss) for the period before taxes9903€73k€-364k▼
Income taxes67/77€37k€3k▼
Taxes670/3€37k€3k▼
Profit (loss) for the period9904€35k€-367k▼
Transfer to tax-exempt reserves689€84k€0▼
Profit (loss) for the period to be appropriated9905€-49k€-367k▼
Appropriation of the result
Profit (loss) to be appropriated9906€575k€887k▲
Profit (loss) brought forward from the previous period14P€623k€1.25M▲
Profit to be distributed694/7€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)908710.741.4▲
The notes to these accounts (99 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
07-09
State Gazette act
General meeting · Director resignationGeneral meeting · Director resignation2 facts ▸
State Gazette act
General meeting · Director resignation
General meeting · Director resignation2 facts ▸
- General meeting, 2025-12-10
- Director resignation, Anne GEMINE (administrateur)
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-367k ▼1138%
Net result drops to €-367k, the lowest in the series.
31-12
Financial
Equity above €2MEq €2.36M ▲167%
Equity rises from €882k to €2.36M.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €216k ▲46.5%
Operating result €383k, net result €216k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 6 days late
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €106k
Net result €106k after one loss-making year.
31-12
Financial
Equity above €500kEq €531k ▲24.5%
Equity rises from €427k to €531k.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 22 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
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.
12-12-2025
Resigned as Director
Location & real-estate footprint
Registered office, Liège · 2 establishment units since 2007
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.
Quai Timmermans 434000 LiègeGround area
9,388 m²
Building footprint
2,282 m²
Volume, LiDAR
13,193 m³
2 parcels, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
SCANDIA Villers
since 20072.168.490.428
SCANDIA Liège
since 20242.367.631.824
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62078A0558/00T040 | Wallonia | 5,227 m² | 1 · 2,102 m² | 8.7 m · 2 fl. |
| 61021B0176/00E000 | Wallonia | 4,161 m² | 1 · 180 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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ANTORETI
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SAMMELS
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Of 10,672 companies in sector 47811 we hold annual accounts for 5,223. 2,204 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-06-2006
Fiscal year end31-12
Trade name FR
« SCANDIA Liège » et « SCANDIA Villers-le-Bouillet ».
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50103
50200
71100
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.