SCARB
ActiveSummary
SCARB has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €3k. Equity is shrinking by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 33% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability30▲+6
Solvency60▲+2
Growth32=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.4 in 2024; short-term debt: 59.3% and cash: 43.5% of total assets), and 65.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
34.5%
Return on assets
1.5%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
9 d early
2024
15 d early
2023
4 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▲ 2.1%
2024 · €74k
2023: €84khighest in 3 years
2024: €74k▼ -11.3% vs 2023lowest in 3 years
2025: €76k▲ +2.1% vs 2024
2023 → 2025
Total assets
€220k▼ 1.8%
2024 · €224k
2023: €191klowest in 3 years
2024: €224k▲ +17.3% vs 2023highest in 3 years
2025: €220k▼ -1.8% vs 2024
2023 → 2025
Net result
€3k
2024 · €-6k
2023: €80khighest in 3 years
2024: €-6k▼ -108% vs 2023lowest in 3 years
2025: €3k▲ +153% vs 2024
2023 → 2025
Working capital
€40k▼ 17.1%
2024 · €48k
2023: €56khighest in 3 years
2024: €48k▼ -14.6% vs 2023
2025: €40k▼ -17.1% vs 2024lowest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€84k-€74k▼ 11.3%€76k▲ 2.1%
2023: €84khighest in 3 years
2024: €74k▼ -11.3% vs 2023lowest in 3 years
2025: €76k▲ +2.1% vs 2024
Operating result€110k-€72k▼ 34.4%€79k▲ 9.3%
2023: €110khighest in 3 years
2024: €72k▼ -34.4% vs 2023lowest in 3 years
2025: €79k▲ +9.3% vs 2024
Net result€80k-€-6k€3k
2023: €80khighest in 3 years
2024: €-6k▼ -108% vs 2023lowest in 3 years
2025: €3k▲ +153% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220k
Fixed assets
€50k ▼ 10.6%
Current assets
€170k ▲ 1.1%
Equity and liabilities €220k
Equity
€76k ▲ 2.1%
Debt
€144k ▼ 3.8%
Debt's share of the balance-sheet total falls from 66.8% to 65.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▲
2024 · €78k
Cash flow
€9k▲
2024 · €-184
Current ratio
1.30▼
2024 · 1.40
Debt to equity
1.90▼
2024 · 2.01
ROE
4.2%▲
2024 · -8.2%
ROA
1.5%▲
2024 · -2.7%
Interest coverage
1.19▲
2024 · 1.04
Debt ≤ 1 year
€130k▲
2024 · €120k
Debt > 1 year
€14k▼
2024 · €24k
Income taxes
€4k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€224k€220k▼
Fixed assets21/28€56k€50k▼
Tangible fixed assets22/27€56k€50k▼
Land and buildings22€52k€47k▼
Plant, machinery and equipment23€4k€3k▼
Current assets29/58€168k€170k▲
Amounts receivable within one year40/41€82k€66k▼
Trade receivables40€47k€31k▼
Other amounts receivable41€35k€35k=
Cash at bank and in hand54/58€60k€96k▲
Deferred charges and accrued income490/1€26k€8k▼
Equity and liabilities
Total equity and liabilities10/49€224k€220k▼
Equity10/15€74k€76k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€69k€71k▲
Amounts payable17/49€149k€144k▼
Amounts payable after more than one year17€24k€14k▼
Financial debts170/4€24k€14k▼
Amounts payable within one year42/48€120k€130k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€8k€10k▲
Suppliers440/4€8k€10k▲
Taxes, remuneration and social security45€55k€25k▼
Taxes450/3€55k€25k▼
Other amounts payable47/48€47k€85k▲
Accrued charges and deferred income492/3€5k€75▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€842€806▼
Gross operating margin9900€79k€85k▲
Operating profit (loss)9901€72k€79k▲
Financial income75/76B€236€1▼
Recurring financial income75€236€1▼
Financial charges65/66B€75k€71k▼
Recurring financial charges65€75k€71k▼
Profit (loss) for the period before taxes9903€-3k€7k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€-6k€3k▲
Profit (loss) for the period to be appropriated9905€-6k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€73k€72k▼
Profit (loss) brought forward from the previous period14P€79k€69k▼
Profit to be distributed694/7€3k€2k▼
Return on contributions (dividend)694€3k€2k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €6k | €6k | = |
| Other operating charges640/8 | €972 | €842 | €806 | ▼ 4.2% |
| Gross operating margin9900 | €114k | €79k | €85k | ▲ 8.5% |
| Operating profit (loss)9901 | €110k | €72k | €79k | ▲ 9.3% |
| Financial income75/76B | €939 | €236 | €1 | ▼ 99.8% |
| Recurring financial income75 | €939 | €236 | €1 | ▼ 99.8% |
| Financial charges65/66B | €4k | €75k | €71k | ▼ 5.1% |
| Recurring financial charges65 | €4k | €75k | €71k | ▼ 5.1% |
| Profit (loss) for the period before taxes9903 | €107k | €-3k | €7k | ▲ 353% |
| Income taxes67/77 | €26k | €3k | €4k | ▲ 32.2% |
| Profit (loss) for the period9904 | €80k | €-6k | €3k | ▲ 153% |
| Profit (loss) for the period to be appropriated9905 | €80k | €-6k | €3k | ▲ 153% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €191k | €224k | €220k | ▼ 1.8% |
| Fixed assets21/28 | €62k | €56k | €50k | ▼ 10.6% |
| Tangible fixed assets22/27 | €62k | €56k | €50k | ▼ 10.6% |
| Land and buildings22 | €56k | €52k | €47k | ▼ 9.2% |
| Plant, machinery and equipment23 | €5k | €4k | €3k | ▼ 28.7% |
| Current assets29/58 | €129k | €168k | €170k | ▲ 1.1% |
| Amounts receivable within one year40/41 | €35k | €82k | €66k | ▼ 20.3% |
| Trade receivables40 | €26k | €47k | €31k | ▼ 35.5% |
| Other amounts receivable41 | €9k | €35k | €35k | = |
| Cash at bank and in hand54/58 | €86k | €60k | €96k | ▲ 59.8% |
| Deferred charges and accrued income490/1 | €8k | €26k | €8k | ▼ 67.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €191k | €224k | €220k | ▼ 1.8% |
| Equity10/15 | €84k | €74k | €76k | ▲ 2.1% |
| Contributions10/11 | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €79k | €69k | €71k | ▲ 2.2% |
| Amounts payable17/49 | €107k | €149k | €144k | ▼ 3.8% |
| Amounts payable after more than one year17 | €34k | €24k | €14k | ▼ 43.3% |
| Financial debts170/4 | €34k | €24k | €14k | ▼ 43.3% |
| Amounts payable within one year42/48 | €73k | €120k | €130k | ▲ 8.3% |
| Current portion of amounts payable after more than one year42 | €9k | €10k | €10k | ▲ 4.4% |
| Trade debts44 | €26k | €8k | €10k | ▲ 24.4% |
| Suppliers440/4 | €26k | €8k | €10k | ▲ 24.4% |
| Taxes, remuneration and social security45 | €38k | €55k | €25k | ▼ 54.3% |
| Taxes450/3 | €38k | €55k | €25k | ▼ 54.3% |
| Other amounts payable47/48 | - | €47k | €85k | ▲ 79.4% |
| Accrued charges and deferred income492/3 | €75 | €5k | €75 | ▼ 98.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €80k | €-6k | €3k | ▲ 153% |
| + Depreciation and write-downs630 | €4k | €6k | €6k | = |
| Operating cash flow (approximation) | €84k | €-184 | €9k | ▲ 5,048% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | €-26k | €36k | ▲ 235% |
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has 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
1 act for this company is 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, Ternat · 1 establishment unit since 2022
Ground area
834 m²
Building footprint
148 m²
Parcel 23091C0753/00A000, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SCARB
since 20222.332.922.452
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23091C0753/00A000 | Flanders | 834 m² | 1 · 148 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.
Recognitions · licences · registrations
Legal Entity Identifier
2549003I2KVEZ0L91E08
Similar companies · same sector, comparable size
EMARLO
BE 0773.920.537
Leuven · Eq €75,835
KEY DRIVING COMPETENCES
BE 0875.464.986
Mechelen · Eq €75,821
FAUS
BE 0834.749.039
Brecht · Eq €75,816
ROBBIZZ
BE 0560.839.647
Nazareth-De Pinte · Eq €75,815
BTB CONSULTING
BE 0727.780.706
Watermaal-Bosvoorde · Eq €75,850
Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 39,937 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
Founded17-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
Scores and ratios are computed by Checked and are not a credit decision.