SCARLHIAN
ActiveSummary
SCARLHIAN has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €109k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 17% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency32▼-20
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.29 in 2024; short-term debt: 92.2% and cash: 12.9% of total assets), and 92.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
7.1%
Return on assets
37.7%
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 17% of 7750 sector peers (2025).
NBB · sector comparisonPosition among 7750 sector peers
Solvency
better than 17%
← weakest
strongest →
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
31 d late
2023
133 d late
2022
on the day
2021
13 d early
2020
on the day
2019
92 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€109k▲ 70.0%
2024 · €64k
2018: €18k
2019: €38k
2020: €52k
2021: €75k
2022: €63k
2023: €-30k
2024: €64k
2018 → 2025
Working capital
€9k▼ 76.6%
2024 · €40k
2018: €40k
2019: €27k
2020: €-36k
2021: €-4k
2022: €-1k
2023: €-28k
2024: €40k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k=€-9k€55k€20k▼ 62.8%
Operating result€104k-€98k▼ 5.2%€108k▲ 9.5%€102k▼ 4.7%€121k▲ 17.8%
Net result€75k-€63k▼ 16.1%€-30k€64k€109k▲ 70.0%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €289k
Fixed assets
€13k ▼ 51.8%
Current assets
€276k ▲ 55.8%
Equity and liabilities €289k
Equity
€20k ▼ 62.8%
Debt
€269k ▲ 79.4%
Debt's share of the balance-sheet total rises from 73.2% to 92.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€137k▲
2024 · €117k
Cash flow
€125k▲
2024 · €79k
Current ratio
1.03▼
2024 · 1.29
Debt to equity
13.14▲
2024 · 2.73
ROE
532.4%▲
2024 · 116.7%
ROA
37.7%▲
2024 · 31.3%
Interest coverage
19.53▼
2024 · 62.38
Debt ≤ 1 year
€267k▲
2024 · €138k
Income taxes
€38k▲
2024 · €19k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€205k€289k▲
Fixed assets21/28€28k€13k▼
Tangible fixed assets22/27€28k€13k▼
Furniture and vehicles24€28k€13k▼
Current assets29/58€177k€276k▲
Amounts receivable within one year40/41€2k€5k▲
Other amounts receivable41€2k€5k▲
Current investments50/53€107k€232k▲
Cash at bank and in hand54/58€66k€37k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€205k€289k▲
Equity10/15€55k€20k▼
Contributions10/11€19k€19k=
Reserves13€36k€2k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€34k-
Amounts payable17/49€150k€269k▲
Amounts payable after more than one year17€11k-
Financial debts170/4€11k-
Amounts payable within one year42/48€138k€267k▲
Current portion of amounts payable after more than one year42€12k€11k▼
Financial debts43-€100k
Other loans439-€100k
Taxes, remuneration and social security45€390-
Taxes450/3€390-
Other amounts payable47/48€125k€155k▲
Accrued charges and deferred income492/3€975€2k▲
Income statement
Code20242025
Non-recurring operating income76A-€921
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€1k€939▼
Gross operating margin9900€119k€138k▲
Operating profit (loss)9901€102k€121k▲
Financial income75/76B€3k€33k▲
Recurring financial income75€3k€33k▲
Financial charges65/66B€23k€7k▼
Recurring financial charges65€2k€7k▲
Non-recurring financial charges66B€21k-
Profit (loss) for the period before taxes9903€83k€147k▲
Income taxes67/77€19k€38k▲
Profit (loss) for the period9904€64k€109k▲
Profit (loss) for the period to be appropriated9905€64k€109k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€109k▲
Profit (loss) brought forward from the previous period14P€-30k-
Transfer from equity791/2-€34k
Transfer to equity691/2€34k-
To other reserves6921€34k-
Profit to be distributed694/7-€143k
Return on contributions (dividend)694-€143k
The notes to these accounts (5 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
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €109k ▲70%
Operating result €121k, net result €109k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €64k
Net result €64k after one loss-making year.
11-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 133 days late
2023
31-12
Financial
Weakest financial yearnet €-30k ▼147%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 20 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Walhain · 1 establishment unit since 2016
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.
Rue Chapelle Sainte Anne(WSP) 511457 WalhainGround area
1,076 m²
Building footprint
136 m²
Parcel 25109G0326/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SCARLHIAN
since 20162.250.512.737
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25109G0326/00H000 | Wallonia | 1,076 m² | 1 · 136 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
8755005N4YBAPH4M5521
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 5,834 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.