SCEQV
ActiveSummary
The computed 12-month bankruptcy probability of SCEQV is 3.0% (moderate). The 2025 annual accounts show equity of €25k and a net result of €-7k. Equity is shrinking by ~29.6% per year across the filed fiscal years. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+6
Solvency28▼-1
Growth58=
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.01 against 0.01 in 2024; short-term debt: 75.2% and cash: 0.2% of total assets), and 97.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
2.9%
Return on assets
-0.8%
Age of the figures
9 mo
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
2122232425
2021 to 2025 · latest year €-7k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
21 d late
2023
26 d late
2022
16 d late
2021
23 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
Equity
€25k▼ 24.6%
2024 · €34k
2021: €101k
2022: €69k
2023: €44k
2024: €34k
2021 → 2025
Total assets
€882k▼ 2.7%
2024 · €906k
2021: €255k
2022: €334k
2023: €929k
2024: €906k
2021 → 2025
Net result
€-7k▲ 26.0%
2024 · €-9k
2021: €-24k
2022: €-32k
2023: €-24k
2024: €-9k
2021 → 2025
Working capital
€-656k▲ 0.1%
2024 · €-656k
2021: €-73k
2022: €-212k
2023: €-655k
2024: €-656k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€69k▼ 31.5%€44k▼ 35.7%€34k▼ 24.0%€25k▼ 24.6%
Operating result€-22k-€-29k▼ 32.0%€-23k▲ 20.4%€-3k▲ 85.6%€-1k▲ 63.9%
Net result€-24k-€-32k▼ 30.0%€-24k▲ 23.5%€-9k▲ 62.5%€-7k▲ 26.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €3k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €882k
Fixed assets
€875k ▼ 2.9%
Current assets
€7k ▲ 47.8%
Equity and liabilities €882k
Equity
€25k ▼ 24.6%
Debt
€857k ▼ 1.8%
Debt's share of the balance-sheet total rises from 96.3% to 97.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€30k▲
2024 · €28k
Cash flow
€24k▲
2024 · €22k
Current ratio
0.01▲
2024 · 0.01
Debt to equity
33.69▲
2024 · 25.88
ROE
-26.4%▲
2024 · -26.9%
ROA
-0.8%▲
2024 · -1.0%
Interest coverage
5.42▲
2024 · 4.78
Debt ≤ 1 year
€663k▲
2024 · €661k
Debt > 1 year
€194k▼
2024 · €212k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€906k€882k▼
Formation expenses20€497-
Fixed assets21/28€901k€875k▼
Tangible fixed assets22/27€901k€875k▼
Land and buildings22€884k€860k▼
Plant, machinery and equipment23€1k€5k▲
Furniture and vehicles24€16k€10k▼
Current assets29/58€5k€7k▲
Amounts receivable within one year40/41€2k€3k▲
Trade receivables40-€2k
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€103€2k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€906k€882k▼
Equity10/15€34k€25k▼
Contributions10/11€125k€125k=
Profit (loss) carried forward14€-91k€-100k▼
Amounts payable17/49€873k€857k▼
Amounts payable after more than one year17€212k€194k▼
Financial debts170/4€212k€194k▼
Amounts payable within one year42/48€661k€663k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Financial debts43€13k€13k=
Other loans439€13k€13k=
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Other amounts payable47/48€639k€642k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€31k▲
Other operating charges640/8€7k€10k▲
Gross operating margin9900€35k€40k▲
Operating profit (loss)9901€-3k€-1k▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€-9k€-7k▲
Profit (loss) for the period9904€-9k€-7k▲
Profit (loss) for the period to be appropriated9905€-9k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-90k€-98k▼
Profit (loss) brought forward from the previous period14P€-81k€-91k▼
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 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, Gerpinnes · 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.
Rue de Châtelet(VP) 996280 GerpinnesGround area
1,575 m²
Building footprint
180 m²
Volume, LiDAR
1,279 m³
Parcel 52069A0114/00G000, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCEQV
since 20202.308.147.662
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52069A0114/00G000 | Wallonia | 1,575 m² | 1 · 180 m² | 8.5 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2020
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sd4x4@outlook.be
Phone:0495301869