SCAZZI FINANCES
ActiveSCAZZI FINANCES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €450k and a net result of €36k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 35% of 3325 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
26 d late
2022
24 d late
2021
25 d late
2020
5 d late
2019
35 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€450k▲ 8.6%
2023 · €414k
2018: €179k
2019: €225k
2020: €270k
2021: €244k
2022: €88k
2023: €414k
2018 → 2024
Net result
€36k▼ 88.8%
2023 · €327k
2018: €333k
2019: €46k
2020: €105k
2021: €73k
2022: €14k
2023: €327k
2018 → 2024
Total assets
€1.33M▲ 60.0%
2023 · €831k
2018: €669k
2019: €712k
2020: €678k
2021: €638k
2022: €545k
2023: €831k
2018 → 2024
Solvency
33.8%▼ 16.0pp
2023 · 49.8%
2018: 26.8%
2019: 31.6%
2020: 39.9%
2021: 38.2%
2022: 16.2%
2023: 49.8%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€270k-€244k▼ 9.9%€88k▼ 63.8%€414k▲ 370%€450k▲ 8.6%
Operating result€146k-€104k▼ 28.6%€30k▼ 70.9%€434k▲ 1,331%€63k▼ 85.5%
Net result€105k-€73k▼ 30.0%€14k▼ 80.3%€327k▲ 2,162%€36k▼ 88.8%
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 2024; 2024 is 85% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.33M
Fixed assets
€917k▲ 164%
Current assets
€413k▼ 14.7%
Equity and liabilities €1.33M
Equity
€450k▲ 8.6%
Provisions
€98k▼ 5.4%
Debt
€782k▲ 149%
The debt ratio rises from 37.7% to 58.8%: debt grows faster than equity.
Key figures and ratios
Solvency
33.8%▼
2023 · 49.8%
ROE
8.1%▼
2023 · 78.9%
ROA
2.7%▼
2023 · 39.3%
Debt
€782k▲
2023 · €314k
Debt ≤ 1 year
€165k▼
2023 · €201k
Debt > 1 year
€618k▲
2023 · €112k
Income taxes
€16k▼
2023 · €19k
Staff costs
€87k▲
2023 · €72k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€831k€1.33M▲
Fixed assets21/28€347k€917k▲
Intangible fixed assets21€5k€239k▲
Tangible fixed assets22/27€342k€678k▲
Land and buildings22€224k€617k▲
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€98k€46k▼
Other tangible fixed assets26€11k€9k▼
Current assets29/58€484k€413k▼
Stocks and contracts in progress3-€10k
Stocks30/36-€10k
Amounts receivable within one year40/41€12k€17k▲
Trade receivables40-€2k
Other amounts receivable41€12k€14k▲
Cash at bank and in hand54/58€471k€333k▼
Deferred charges and accrued income490/1€934€53k▲
Equity and liabilities
Total equity and liabilities10/49€831k€1.33M▲
Equity10/15€414k€450k▲
Contributions10/11€19k€19k=
Reserves13€312k€296k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€311k€294k▼
Profit (loss) carried forward14€83k€136k▲
Provisions and deferred taxes16€104k€98k▼
Deferred taxes168€104k€98k▼
Amounts payable17/49€314k€782k▲
Amounts payable after more than one year17€112k€618k▲
Financial debts170/4€112k€618k▲
Amounts payable within one year42/48€201k€165k▼
Current portion of amounts payable after more than one year42€38k€62k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€40k€15k▼
Suppliers440/4€40k€15k▼
Taxes, remuneration and social security45€10k€20k▲
Taxes450/3€125€3k▲
Remuneration and social security454/9€9k€18k▲
Other amounts payable47/48€115k€64k▼
Income statement
Code20232024
Remuneration, social security and pensions62€72k€87k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€87k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€12k€14k▲
Gross operating margin9900€552k€253k▼
Operating profit (loss)9901€434k€63k▼
Financial income75/76B€169€7k▲
Recurring financial income75€169€7k▲
Financial charges65/66B€4k€23k▲
Recurring financial charges65€4k€23k▲
Profit (loss) for the period before taxes9903€430k€47k▼
Transfer from deferred taxes780€19k€6k▼
Transfer to deferred taxes680€104k-
Income taxes67/77€19k€16k▼
Profit (loss) for the period9904€327k€36k▼
Transfer from tax-exempt reserves789€45k€17k▼
Transfer to tax-exempt reserves689€311k-
Profit (loss) for the period to be appropriated9905€61k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€136k▲
Profit (loss) brought forward from the previous period14P€22k€83k▲
Profit to be distributed694/7€833€859▲
Return on contributions (dividend)694€833€859▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Liquidity times 5current ratio 2.41
Current ratio from 0.53 to 2.41; short-term debt falls from €287k to €201k.
31-12
Financial
Equity above €200kEq €414k ▲370%
6 profitable years in a row build equity to €414k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €14k ▼80.3%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
31-12
Financial
Equity above €200kEq €225k ▲25.6%
2 profitable years in a row build equity to €225k.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Hannut · 1 establishment unit since 2015
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.
Place Henri Hallet 164280 HannutGround area
121 m²
Building footprint
122 m²
Volume, LiDAR
869 m³
Parcel 64034B0853/00H000, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Scazzi Finances
since 20152.242.930.505
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64034B0853/00H000 | Wallonia | 121 m² | 1 · 122 m² | 9.1 m · 2 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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Ik Ben
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ZAKENKANTOOR VANWILDEMEERSCH
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 1,027 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-05-2015
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.