SCE SOLUTIONS
ActiveThe computed 12-month bankruptcy probability of SCE SOLUTIONS is 2.0% (moderate). The 2025 annual accounts show equity of €111k and a net result of €26k. Equity is growing by ~46% per year across the filed fiscal years. Its solvency ranks better than 81% of 27450 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency100▲+1
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.96 against 4.37 in 2024; short-term debt: 23.7% and cash: 40.6% of total assets), and 23.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
76.3%
Return on assets
17.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-08-2026, 22 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 · 5 filingsDeviation from the deadline
2025
22 d late
2024
51 d late
2023
71 d late
2022
26 d late
2021
26 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▲ 30.4%
2024 · €85k
2021: €24k
2022: €40k
2023: €58k
2024: €85k
2021 → 2025
Total assets
€146k▲ 27.4%
2024 · €114k
2021: €30k
2022: €52k
2023: €84k
2024: €114k
2021 → 2025
Net result
€26k▼ 27.0%
2024 · €36k
2021: €16k
2022: €16k
2023: €17k
2024: €36k
2021 → 2025
Working capital
€103k▲ 24.7%
2024 · €82k
2021: €23k
2022: €21k
2023: €43k
2024: €82k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€40k▲ 67.2%€58k▲ 43.3%€85k▲ 47.7%€111k▲ 30.4%
Operating result€20k-€20k▲ 1.7%€22k▲ 7.1%€47k▲ 115%€38k▼ 18.8%
Net result€16k-€16k▲ 0.6%€17k▲ 7.8%€36k▲ 104%€26k▼ 27.0%
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 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146k
Fixed assets
€9k▲ 10.2%
Current assets
€137k▲ 28.6%
Equity and liabilities €146k
Equity
€111k▲ 30.4%
Debt
€35k▲ 18.4%
The debt ratio falls from 25.6% to 23.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▼
2024 · €57k
Cash flow
€34k▼
2024 · €45k
Solvency
76.3%▲
2024 · 74.4%
Current ratio
3.96▼
2024 · 4.37
Quick ratio
3.96▼
2024 · 4.37
Debt / equity
0.31▼
2024 · 0.34
ROE
23.3%▼
2024 · 41.7%
ROA
17.8%▼
2024 · 31.0%
Interest coverage
358.77▼
2024 · 457.30
Debt
€35k▲
2024 · €29k
Debt ≤ 1 year
€35k▲
2024 · €24k
Income taxes
€12k▲
2024 · €12k
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€114k€146k▲
Fixed assets21/28€8k€9k▲
Tangible fixed assets22/27€8k€9k▲
Furniture and vehicles24€8k€9k▲
Current assets29/58€107k€137k▲
Amounts receivable within one year40/41€28k€74k▲
Trade receivables40€13k€64k▲
Other amounts receivable41€14k€11k▼
Cash at bank and in hand54/58€79k€59k▼
Deferred charges and accrued income490/1€273€4k▲
Equity and liabilities
Total equity and liabilities10/49€114k€146k▲
Equity10/15€85k€111k▲
Contributions10/11€8k€8k=
Reserves13€40k€63k▲
Distributable reserves133€40k€63k▲
Profit (loss) carried forward14€37k€40k▲
Amounts payable17/49€29k€35k▲
Amounts payable within one year42/48€24k€35k▲
Trade debts44€6k€10k▲
Suppliers440/4€6k€10k▲
Taxes, remuneration and social security45€10k€20k▲
Taxes450/3€10k€20k▲
Other amounts payable47/48€8k€4k▼
Accrued charges and deferred income492/3€5k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Other operating charges640/8€1k€954▼
Gross operating margin9900€58k€47k▼
Operating profit (loss)9901€47k€38k▼
Financial income75/76B€126€15▼
Recurring financial income75€126€15▼
Financial charges65/66B€125€129▲
Recurring financial charges65€125€129▲
Profit (loss) for the period before taxes9903€47k€38k▼
Income taxes67/77€12k€12k▲
Profit (loss) for the period9904€36k€26k▼
Profit (loss) for the period to be appropriated9905€36k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€63k▼
Profit (loss) brought forward from the previous period14P€35k€37k▲
Transfer to equity691/2€25k€23k▼
To other reserves6921€25k€23k▼
Profit to be distributed694/7€8k-
Directors or managers695€8k-
The notes to these accounts (7 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
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
2025
31-12
Financial
Equity above €100kEq €111k ▲30.4%
5 profitable years in a row build equity to €111k.
20-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 51 days late
2024
31-12
Financial
Highest result since 2021net €36k ▲104%
Operating result €47k, net result €36k, both a record.
10-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 71 days late
2023
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
Financial milestoneNBB 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, Charleroi · 1 establishment unit since 2020
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.
Chaussée de Courcelles 446041 CharleroiGround area
682 m²
Building footprint
115 m²
Volume, LiDAR
603 m³
Parcel 52028D0167/00H000, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCE SOLUTIONS
since 20202.308.258.025
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028D0167/00H000 | Wallonia | 682 m² | 1 · 115 m² | 7.3 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.
Similar companies · same sector, comparable size
FUTURE ROOFS
BE 0752.538.272
Beringen · Eq €111k
RENO-DAK
BE 0500.694.994
Brasschaat · Eq €111k
EP TOITURES
BE 0883.741.561
Frameries · Eq €111k
DIERICK PASCAL
BE 0879.124.361
Sint-Niklaas · Eq €111k
NOEL BAU
BE 0724.585.644
Büllingen · Eq €111k
Of 11,140 companies in sector 43910 we hold annual accounts for 5,485. 4,794 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2020
Fiscal year end31-12
Activities, NACEBEL
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.