SCIFO
ActiveSCIFO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.91M and a net result of €906k. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 68% of 3166 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent▲ +44 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+11
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity ample (current ratio 4.42 against 1.68 in 2024), and 26.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
73.3%
Return on assets
34.8%
Age of the figures
11 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-03-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
128 d early
2023
28 d early
2022
116 d early
2021
54 d early
2020
32 d early
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€906k
2024 · €-23k
2018: €-33k
2019: €749k
2020: €135k
2021: €224k
2022: €3k
2023: €-5k
2024: €-23k
2018 → 2025
Working capital
€1.09M▲ 197%
2024 · €367k
2019: €59k
2020: €252k
2021: €453k
2022: €441k
2023: €408k
2024: €367k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.03M-€1.03M▲ 0.3%€1.02M▼ 0.5%€1.00M▼ 2.2%€1.91M▲ 90.5%
Operating result€-8k-€5k€-7k€-4k▲ 48.5%€21k
Net result€224k-€3k▼ 98.8%€-5k€-23k▼ 345%€906k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €21k after a loss of €4k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.60M
Fixed assets
€1.20M▲ 13.1%
Current assets
€1.41M▲ 55.3%
Equity and liabilities €2.60M
Equity
€1.91M▲ 90.5%
Debt
€697k▼ 27.6%
The debt ratio falls from 49.0% to 26.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€38k▲
2024 · €28k
Cash flow
€923k▲
2024 · €9k
Solvency
73.3%▲
2024 · 51.0%
Current ratio
4.42▲
2024 · 1.68
Quick ratio
4.42▲
2024 · 1.68
Debt / equity
0.37▼
2024 · 0.96
ROE
47.5%▲
2024 · -2.3%
ROA
34.8%▲
2024 · -1.2%
Interest coverage
1.68▲
2024 · 1.26
Debt
€697k▼
2024 · €963k
Debt ≤ 1 year
€318k▼
2024 · €538k
Debt > 1 year
€377k▼
2024 · €424k
Income taxes
€91k
Staff costs
€39k▲
2024 · €33k
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€1.96M€2.60M▲
Fixed assets21/28€1.06M€1.20M▲
Tangible fixed assets22/27€691k€831k▲
Land and buildings22€684k€684k=
Furniture and vehicles24€8k€147k▲
Financial fixed assets28€369k€368k=
Current assets29/58€905k€1.41M▲
Amounts receivable within one year40/41€891k€1.24M▲
Trade receivables40€13k€17k▲
Other amounts receivable41€879k€1.23M▲
Cash at bank and in hand54/58€9k€156k▲
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.96M€2.60M▲
Equity10/15€1.00M€1.91M▲
Contributions10/11€23k€23k=
Reserves13€979k€1.89M▲
Distributable reserves133€979k€1.89M▲
Amounts payable17/49€963k€697k▼
Amounts payable after more than one year17€424k€377k▼
Financial debts170/4€424k€377k▼
Amounts payable within one year42/48€538k€318k▼
Current portion of amounts payable after more than one year42€49k€50k▲
Trade debts44€234€706▲
Suppliers440/4€234€706▲
Taxes, remuneration and social security45€17k€103k▲
Taxes450/3€9k€96k▲
Remuneration and social security454/9€8k€7k▼
Other amounts payable47/48€472k€165k▼
Accrued charges and deferred income492/3€1k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€33k€39k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€17k▼
Other operating charges640/8€3k€9k▲
Gross operating margin9900€64k€86k▲
Operating profit (loss)9901€-4k€21k▲
Financial income75/76B€3k€999k▲
Recurring financial income75€3k€999k▲
Financial charges65/66B€22k€22k▲
Recurring financial charges65€22k€22k▲
Profit (loss) for the period before taxes9903€-23k€997k▲
Income taxes67/77-€91k
Profit (loss) for the period9904€-23k€906k▲
Profit (loss) for the period to be appropriated9905€-23k€906k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€906k▲
Transfer from equity791/2€23k€0▼
Transfer to equity691/2-€906k
To other reserves6921-€906k
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (20 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
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Back to profitnet €906k
Net result €906k after 2 loss-making years.
30-09
Financial
Liquidity triplescurrent ratio 4.42
Current ratio from 1.68 to 4.42; short-term debt falls from €538k to €318k.
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
04-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
07-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Equity above €1MEq €1.03M ▲27.9%
3 profitable years in a row build equity to €1.03M.
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Back to profitnet €749k
Net result €749k after one loss-making year.
30-09
Financial
Equity above €500kEq €668k
Equity rises from €-81k to €668k.
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
13-04
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
7 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, Pecq · 1 establishment unit since 2008
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.
Grand-Rue(OBI) 1177743 PecqGround area
3,446 m²
Building footprint
144 m²
Volume, LiDAR
786 m³
Parcel 57059C0177/00S000, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCIFO
since 20082.171.270.368
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57059C0177/00S000 | Wallonia | 3,446 m² | 1 · 144 m² | 6.7 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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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 20,649 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-04-2008
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.