SCARDIGLI MANAGEMENT
ActiveSCARDIGLI MANAGEMENT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84k and a net result of €206k. Equity is shrinking by ~33.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 23% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency44▼-6
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.47 against 0.87 in 2024; short-term debt: 80% and cash: 37.5% of total assets), and 80.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
Sector 70
lower
← 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
19.1%
Return on assets
47.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 31642 sector peers (2025).
NBB · sector comparisonPosition among 31642 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
27 d late
2024
2 d early
2023
30 d late
2022
on the day
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€84k▼ 50.2%
2024 · €168k
2022: €154k
2023: €295k
2024: €168k
2022 → 2025
Total assets
€437k▼ 34.6%
2024 · €667k
2022: €418k
2023: €456k
2024: €667k
2022 → 2025
Net result
€206k▼ 7.5%
2024 · €223k
2022: €134k
2023: €142k
2024: €223k
2022 → 2025
Working capital
€-184k▼ 224%
2024 · €-57k
2022: €7k
2023: €111k
2024: €-57k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€154k-€295k▲ 92.0%€168k▼ 43.2%€84k▼ 50.2%
Operating result€151k-€181k▲ 19.8%€220k▲ 21.4%€211k▼ 3.9%
Net result€134k-€142k▲ 5.8%€223k▲ 57.3%€206k▼ 7.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €437k
Fixed assets
€271k▼ 0.2%
Current assets
€165k▼ 58.2%
Equity and liabilities €437k
Equity
€84k▼ 50.2%
Debt
€353k▼ 29.4%
The debt ratio rises from 74.9% to 80.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€213k▼
2024 · €223k
Cash flow
€208k▼
2024 · €226k
Solvency
19.1%▼
2024 · 25.1%
Current ratio
0.47▼
2024 · 0.87
Quick ratio
0.47▼
2024 · 0.87
Debt / equity
4.22▲
2024 · 2.98
ROE
246.2%▲
2024 · 132.6%
ROA
47.1%▲
2024 · 33.3%
Interest coverage
107.06▲
2024 · 86.20
Debt
€353k▼
2024 · €500k
Debt ≤ 1 year
€349k▼
2024 · €453k
Debt > 1 year
€4k▼
2024 · €47k
Income taxes
€54k▼
2024 · €56k
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€667k€437k▼
Fixed assets21/28€271k€271k▼
Tangible fixed assets22/27€7k€6k▼
Furniture and vehicles24€5k€4k▼
Other tangible fixed assets26€2k€2k=
Financial fixed assets28€265k€265k=
Current assets29/58€396k€165k▼
Amounts receivable within one year40/41€44k€0▼
Trade receivables40€30k€0▼
Other amounts receivable41€14k€0▼
Cash at bank and in hand54/58€351k€164k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€667k€437k▼
Equity10/15€168k€84k▼
Contributions10/11€20k€20k=
Reserves13€148k€64k▼
Distributable reserves133€148k€64k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€500k€353k▼
Amounts payable after more than one year17€47k€4k▼
Financial debts170/4€47k€4k▼
Amounts payable within one year42/48€453k€349k▼
Current portion of amounts payable after more than one year42€43k€43k▲
Trade debts44€2€3k▲
Suppliers440/4€2€3k▲
Taxes, remuneration and social security45€60k€54k▼
Taxes450/3€60k€54k▼
Other amounts payable47/48€350k€249k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€348€785▲
Non-recurring operating charges66A€0-
Gross operating margin9900€224k€214k▼
Operating profit (loss)9901€220k€211k▼
Financial income75/76B€61k€50k▼
Recurring financial income75€61k€50k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€278k€259k▼
Income taxes67/77€56k€54k▼
Profit (loss) for the period9904€223k€206k▼
Profit (loss) for the period to be appropriated9905€223k€206k▼
Appropriation of the result
Profit (loss) to be appropriated9906€223k€206k▼
Transfer from equity791/2€127k€145k▲
Transfer to equity691/2€0€61k▲
To other reserves6921€0€61k▲
Profit to be distributed694/7€350k€290k▼
Return on contributions (dividend)694€350k€290k▼
The notes to these accounts (8 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
20-05
State Gazette act
Board meeting · Corporate purpose
Permanent representative · Merger
20-05
State Gazette act
Board meeting · Corporate purpose
Permanent representative · Power of attorney
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €223k ▲57.3%
Operating result €220k, net result €223k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 2.56
Current ratio from 1.05 to 2.56; short-term debt falls from €131k to €71k.
31-12
Financial
Equity above €200kEq €295k ▲92%
2 profitable years in a row build equity to €295k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oudergem · 1 establishment unit since 2021
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.
Geelvinkenlaan 891160 OudergemGround area
254 m²
Building footprint
76 m²
Volume, LiDAR
724 m³
Parcel 21332B0494/00G005, Brussels · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SCARDIGLI MANAGEMENT
since 20212.325.436.131
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332B0494/00G005 | Brussels | 254 m² | 1 · 76 m² | 13.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BERNAERT THOMAS CONSULTING
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AYGASA
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,236 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.