SCAPA HOME
ActiveThe computed 12-month bankruptcy probability of SCAPA HOME is 3.4% (moderate). The 2025 annual accounts show negative equity (€-408k) and a net result of €-127k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 7993 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
20
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▲+10
Solvency1▲+1
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.81 against 0.84 in 2024; short-term debt: 118.4% and cash: 4.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-23.8%
Return on assets
-7.4%
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-408k
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 16-07-2026, 15 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
15 d early
2024
28 d early
2023
13 d early
2022
14 d early
2021
20 d early
2020
75 d late
2019
91 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-408k▲ 53.7%
2024 · €-882k
2019: €-135k
2020: €-126k
2021: €3k
2022: €16k
2023: €-545k
2024: €-882k
2019 → 2025
Total assets
€1.71M▲ 0.9%
2024 · €1.70M
2019: €2.03M
2020: €1.62M
2021: €1.78M
2022: €1.99M
2023: €1.76M
2024: €1.70M
2019 → 2025
Net result
€-127k▲ 62.4%
2024 · €-337k
2019: €-141k
2020: €9k
2021: €130k
2022: €13k
2023: €-561k
2024: €-337k
2019 → 2025
Working capital
€-378k▼ 21.0%
2024 · €-313k
2019: €-312k
2020: €-246k
2021: €-75k
2022: €613k
2023: €-51k
2024: €-313k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€16k▲ 410%€-545k€-882k▼ 61.8%€-408k▲ 53.7%
Operating result€147k-€33k▼ 77.6%€-541k€-305k▲ 43.7%€-95k▲ 68.9%
Net result€130k-€13k▼ 89.8%€-561k€-337k▲ 40.0%€-127k▲ 62.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €95k in 2025 against €305k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.71M
Fixed assets
€63k▼ 25.1%
Current assets
€1.65M▲ 2.3%
Key figures and ratios
EBITDA
€-74k▲
2024 · €-282k
Cash flow
€-106k▲
2024 · €-315k
Solvency
-23.8%▲
2024 · -51.9%
Current ratio
0.81▼
2024 · 0.84
Quick ratio
0.09▼
2024 · 0.11
Debt / equity
-5.20▼
2024 · -2.93
ROA
-7.4%▲
2024 · -19.8%
Interest coverage
-2.32▲
2024 · -8.03
Debt
€2.12M▼
2024 · €2.58M
Debt ≤ 1 year
€2.03M▲
2024 · €1.93M
Debt > 1 year
€0▼
2024 · €600k
Income taxes
€377▲
2024 · €15
Staff costs
€548k▼
2024 · €608k
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€1.70M€1.71M▲
Fixed assets21/28€83k€63k▼
Intangible fixed assets21€46k€34k▼
Tangible fixed assets22/27€38k€28k▼
Furniture and vehicles24€91€0▼
Other tangible fixed assets26€38k€28k▼
Current assets29/58€1.61M€1.65M▲
Stocks and contracts in progress3€1.41M€1.48M▲
Stocks30/36€1.41M€1.48M▲
Amounts receivable within one year40/41€147k€85k▼
Trade receivables40€147k€85k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€55k€79k▲
Deferred charges and accrued income490/1€4k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.70M€1.71M▲
Equity10/15€-882k€-408k▲
Contributions10/11€6k€606k▲
Profit (loss) carried forward14€-888k€-1.01M▼
Amounts payable17/49€2.58M€2.12M▼
Amounts payable after more than one year17€600k€0▼
Financial debts170/4€600k€0▼
Amounts payable within one year42/48€1.93M€2.03M▲
Current portion of amounts payable after more than one year42€32k€56k▲
Financial debts43€300k€300k=
Credit institutions430/8€300k€300k=
Trade debts44€1.09M€1.12M▲
Suppliers440/4€1.09M€1.12M▲
Taxes, remuneration and social security45€77k€99k▲
Taxes450/3€23k€55k▲
Remuneration and social security454/9€54k€44k▼
Other amounts payable47/48€431k€452k▲
Accrued charges and deferred income492/3€53k€93k▲
Income statement
Code20242025
Non-recurring operating income76A€5k€366▼
Remuneration, social security and pensions62€608k€548k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€21k▼
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€125€0▼
Gross operating margin9900€329k€477k▲
Operating profit (loss)9901€-305k€-95k▲
Financial income75/76B€3k€2▼
Recurring financial income75€3k€2▼
Financial charges65/66B€35k€32k▼
Recurring financial charges65€35k€32k▼
Profit (loss) for the period before taxes9903€-337k€-126k▲
Income taxes67/77€15€377▲
Profit (loss) for the period9904€-337k€-127k▲
Profit (loss) for the period to be appropriated9905€-337k€-127k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-888k€-1.01M▼
Profit (loss) brought forward from the previous period14P€-551k€-888k▼
Transfer from equity791/2€0-
Social balance
Average headcount (FTE)90876.96.0▼
The notes to these accounts (14 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-561k ▼4361%
Net result drops to €-561k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2019net €130k ▲1347%
Operating result €147k, net result €130k, both a record.
14-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 75 days late
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brasschaat · 4 establishment units since 2019
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.
Ruiterijschool 152930 BrasschaatGround area
1.1 ha
Building footprint
6,046 m²
Volume, LiDAR
73,317 m³
3 parcels, Flanders · tallest building 43.4 m, ±7 floors. Linked by address, not a title deed.
4 establishment units
SCAPA HOME
since 20192.284.880.728
SCAPA HOME
since 20192.284.880.827
SCAPA HOME
since 20192.284.880.926
SCAPA
since 20222.328.654.353
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11008B0231/00L002 | Flanders | 7,045 m² | 1 · 2,678 m² | 8.0 m |
| 31013A0767/00G000 | Flanders | 3,619 m² | 1 · 3,148 m² | 43.4 m · 7 fl. |
| 11803C0960/00E000 | Flanders | 421 m² | 1 · 220 m² | 19.4 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 35,000 EUR awarded · 35,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 5,000 EUR | 5,000 EUR |
| 2023 | 1 | 25,000 EUR | 25,000 EUR |
| 2022 | 1 | 5,000 EUR | 5,000 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidies voor internationaal ondernemen
Similar companies · same sector, comparable size
MARI KAYANAT
BE 0810.289.203
Flémalle · Eq €17k
MILLE
BE 0676.928.752
Durbuy · Eq €16k
MNK
BE 0774.629.825
Elsene · Eq €17k
IRMALE
BE 0465.275.841
Schaarbeek · Eq €17k
BEDDING STORE
BE 1025.742.534
Ukkel · Eq €17k
Of 687 companies in sector 46412 we hold annual accounts for 517. 219 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-01-2019
Fiscal year end31-12
Activities, NACEBEL
46412Wholesale of household textiles and bedding
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
31004Manufacture of dining room, living room, bedroom and bathroom furniture
46471Wholesale trade
46472Wholesale trade
46473Wholesale trade
47512Retail sale of household textiles and bedding
47551Retail sale of household furniture
47552Retail sale of lighting equipment
47591Retail trade
47592Retail trade
71112Activities of interior architects
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.