Losses
-€42,968 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
SCarfield
Lifetime
7 annual accounts with figures on one time axispeak €184,356 (2020)
-€21,886▼ €21,582
lowest -€32,255 (2025)
-€32,255▼ €21,542
peak €162,914 (2023)
€119,946▼ 21.2%
€12,258▲ 20.1%
peak 0.9 FTE (2020)
-not published
Board1 name since 2019
-
Documentsfilings and deeds
06-08-20266 days late
2025micro format
Gross margin from -€304 to -€21,886Loss of €32,255Strikeout withdrawn 03-10Equity from €152,201 to €119,946Debts from €10,202 to €12,258
Key points
from the 2025 annual accountsFilings
7 annual accounts 7 late
The 2021 accounts came latest: 1,122 days after the end of the period.
Position in the sector
-€32,255
Lower net result than 95% of companies in head offices and management consultancy. Sector median €27,132 · 39,384 companies.
Turnover not published (micro format)
Checked score
94
Excellent
Financially stronger than 52% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.1%highest value
01-2025: 2.0%▼ -0.1 percentage points vs 12-2024
02-2025: 2.0%● unchanged vs 01-2025
03-2025: 2.0%● unchanged vs 02-2025
04-2025: 2.0%● unchanged vs 03-2025
05-2025: 2.0%● unchanged vs 04-2025
06-2025: 2.0%● unchanged vs 05-2025
07-2025: 2.0%● unchanged vs 06-2025
08-2025: 2.0%● unchanged vs 07-2025
09-2025: 0.9%▼ -1.1 percentage points vs 08-2025
10-2025: 0.1%▼ -0.8 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026lowest value
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%▼ -0.1 percentage points vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Loss of €32,255, the second in a row (financial year 2025)
Last filed accounts filed 6 days late; 2 of the last 3 accounts late
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 9.86, cash €79,642
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 97% on liquidity, 4% on profitability and 22% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,591 companies had the same profile as SCarfield has now. Each dot stands for 9 companies, two years later.
87.3%
were still trading
9.4%
stopped another way
3.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SCarfield itself is lower: 0.1% within 12 months. It rests on far more data about SCarfield than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,591 companies, not a prediction for SCarfield. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 9.86 (14.22 in 2024), above the usual 1.5. Short-term debt is 9.3% and cash 60.2% of total assets. 9.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€32,255
raises risk · 2025 accounts filed 6 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 7 filingsDeviation from the deadline
2025
6 days late
2024
49 days late
2023
391 days late
2022
757 days late
2021
1122 days late
2020
87 days late
2019
33 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 349 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
raises risk · Administrative warnings in the KBO publications
The FPS Economy published 1 notice about the company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Strikeout withdrawn
Searched, nothing found (1)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 August (4 of the last 5 accounts filed within 386 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Strikeout withdrawn
KBO administration
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0735463304
New establishment in Merchtem
Wolvendael 12
Purpose change
“Ontwikkelen permacultuur; Telen van gewassen voor verwerking en pluktuin voor derden; Uitbaten Hoevewinkel…” (deed in Dutch) · General meeting of 18-05-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SCarfield Meise | €132,204 | -€21,886 | 90.7% | - |
| HBC Consulting Leuven | €131,744 | -€2,476 | 100.0% | - |
| Guco Asse | €128,672 | -€1,711 | 57.0% | - |
| ADT ICT Services Wemmel | €131,416 | -€14,002 | 95.5% | - |
| GRIDesign Londerzeel | €124,398 | -€2,380 | -15.3% | - |
| RADIation ONcology-Devices Opwijk | €122,692 | -€12,461 | -5.5% | - |
| FINCODAN Ternat | €119,879 | -€12,495 | 51.0% | - |
These companies have the same main activity as SCarfield: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €120,000 and €132,000, founded between 2019 and 2020.
Official details
Source: KBO- Status
- Active since 01-10-2019Normal situation
- Activity
- Business and other management consultancyNACE 70200and 6 others
- Establishment units
- 2.294.871.2331860 Meise, since 01-10-2019
- 2.349.616.0531785 Merchtem, since 11-09-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 30-01-2025
Insights on SCarfield
SCarfield files the micro format. That format states no turnover. The gross margin fell from €691 in 2019 to -€21,886 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SCarfield
- What is the company number of SCarfield?
- The company number of SCarfield is 0735.463.304. The VAT number is the same number with BE in front: BE 0735.463.304.
- Where is SCarfield based?
- The registered office is at 's Herenweg 20, 1860 Meise.Company details
- What does SCarfield do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of SCarfield?
- SCarfield is a private limited company (BV).
- When was SCarfield founded?
- SCarfield was founded on 01-10-2019.
- Is SCarfield still active?
- Yes, SCarfield is an active enterprise in the KBO register.
- How many employees does SCarfield have?
- SCarfield had an average of 0.9 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
- What is the turnover of SCarfield?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.
- Is SCarfield profitable?
- In financial year 2025, SCarfield made a loss of €32,255.
- Where can I find the annual accounts of SCarfield?
- SCarfield filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SCarfield due?
- SCarfield must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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