SCIENDI
ActiveSCIENDI has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €37k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+50
Solvency47▼-12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.5 in 2024; short-term debt: 76.4% and cash: 73.6% of total assets), and 78.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
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
21.9%
Return on assets
36.2%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 16942 sector peers (2025).
NBB · sector comparisonPosition among 16942 sector peers
Solvency
better than 22%
← 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 02-07-2026, 29 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
29 d early
2024
2 d early
2023
8 d early
2022
11 d early
2021
23 d late
2020
27 d late
2019
4 d early
← 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
€22k▼ 50.2%
2024 · €45k
2019: €12k
2020: €31k
2021: €69k
2022: €96k
2023: €109k
2024: €45k
2019 → 2025
Total assets
€102k▼ 23.1%
2024 · €132k
2019: €24k
2020: €62k
2021: €98k
2022: €121k
2023: €125k
2024: €132k
2019 → 2025
Net result
€37k▲ 99.1%
2024 · €18k
2019: €6k
2020: €18k
2021: €26k
2022: €34k
2023: €14k
2024: €18k
2019 → 2025
Working capital
€22k▼ 49.0%
2024 · €43k
2019: €11k
2020: €30k
2021: €65k
2022: €94k
2023: €107k
2024: €43k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€96k▲ 38.5%€109k▲ 13.5%€45k▼ 58.9%€22k▼ 50.2%
Operating result€35k-€45k▲ 28.3%€60k▲ 35.0%€63k▲ 4.9%€50k▼ 21.3%
Net result€26k-€34k▲ 31.2%€14k▼ 59.7%€18k▲ 34.5%€37k▲ 99.1%
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€2k▼ 17.6%
Current assets
€100k▼ 23.2%
Equity and liabilities €102k
Equity
€22k▼ 50.2%
Debt
€80k▼ 9.3%
The debt ratio rises from 66.2% to 78.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€51k▼
2024 · €65k
Cash flow
€38k▲
2024 · €20k
Solvency
21.9%▼
2024 · 33.8%
Current ratio
1.28▼
2024 · 1.50
Quick ratio
1.28▼
2024 · 1.50
Debt / equity
3.57▲
2024 · 1.96
ROE
165.3%▲
2024 · 41.4%
ROA
36.2%▲
2024 · 14.0%
Interest coverage
18.89▲
2024 · 1.66
Debt
€80k▼
2024 · €88k
Debt ≤ 1 year
€78k▼
2024 · €87k
Income taxes
€10k▲
2024 · €6k
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€132k€102k▼
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26-€791
Current assets29/58€130k€100k▼
Amounts receivable within one year40/41€23k€24k▲
Trade receivables40€13k€14k▲
Other amounts receivable41€10k€11k▲
Cash at bank and in hand54/58€106k€75k▼
Deferred charges and accrued income490/1€1k€910▼
Equity and liabilities
Total equity and liabilities10/49€132k€102k▼
Equity10/15€45k€22k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€24k€2k▼
Amounts payable17/49€88k€80k▼
Amounts payable within one year42/48€87k€78k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€11k€14k▲
Taxes450/3€11k€12k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€74k€60k▼
Accrued charges and deferred income492/3€885€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€5k€7k▲
Gross operating margin9900€69k€58k▼
Operating profit (loss)9901€63k€50k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€39k€3k▼
Recurring financial charges65€39k€3k▼
Profit (loss) for the period before taxes9903€25k€47k▲
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€18k€37k▲
Profit (loss) for the period to be appropriated9905€18k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€107k€61k▼
Profit (loss) brought forward from the previous period14P€88k€24k▼
Profit to be distributed694/7€83k€59k▼
Return on contributions (dividend)694€83k€59k▼
The notes to these accounts (14 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €37k ▲99.1%
Net result €37k, the highest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €109k ▲13.5%
5 profitable years in a row build equity to €109k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Namur · 1 establishment unit since 2018
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 la Cheminée(SS) 345002 NamurGround area
1,502 m²
Building footprint
131 m²
Volume, LiDAR
414 m³
2 parcels, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Saint-Nicolas 173, 5000 Namur
since 20182.280.738.828
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92108A0052/00N000 | Wallonia | 1,079 m² | 1 · 60 m² | 8.3 m · 2 fl. |
| 92094C0346/00H000 | Wallonia | 423 m² | 1 · 72 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
254900F9TCLV36P09613
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Of 29,997 companies in sector 62200 we hold annual accounts for 18,386. 13,411 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2018
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
46150Agents in the wholesale of furniture, household goods and hardware
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.