SCM CONSTRUCT

Active

Private limited companyfounded 20233 yrs activeBergensesteenweg 24, 1600 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0802.121.407

Summary

The computed 12-month bankruptcy probability of SCM CONSTRUCT is 2.7% (moderate). The 2025 annual accounts show equity of €3k and a net result of €4k. Its solvency ranks better than 18% of 7453 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

50 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability73▲+73

Solvency36▲+24

Growth78

Track record94

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

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 2025

Solvency, return and age of the figures

Solvency

10.5%

Return on assets

14.4%

Age of the figures

15 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7453 sector peers (2025).

NBB · sector comparison

Position among 7453 sector peers

Solvency

better than 18%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-12-2025, 33 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

33 d early

2024

4 d early

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close24-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€0

Total assets

€26k▲ 227%

2024 · €8k

2024: €8k

2024 → 2025

Net result

€4k

2024 · €-4k

2024: €-4k

2024 → 2025

Working capital

€6k

2024 · €-1k

2024: €-1k

2024 → 2025

Multi-year overview

Available amounts per fiscal year

Line20242025Trend

Turnover€0-

Equity€-1k-€3k

Operating result€-3k-€4k

Net result€-4k-€4k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €4k after a loss of €3k in 2024.

Balance-sheet composition

Equity and liabilities €26k

11%

89.5%

Equity €3k

Debt €23k

Debt finances 89.5% of the balance-sheet total.

Key figures and ratios

2025 value · change against 2024

Current ratio

1.32▲

2024 · 0.89

Debt to equity

8.50▲

2024 · -8.94

ROE

136.5%

ROA

14.4%▲

2024 · -43.9%

Debt ≤ 1 year

€20k▲

2024 · €9k

Income taxes

€99

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 · 33 lines

Balance sheet Code20242025

Assets

Total assets20/58€8k€26k▲

Current assets29/58€8k€26k▲

Amounts receivable within one year40/41€8k€20k▲

Trade receivables40€7k€20k▲

Other amounts receivable41€672€292▼

Cash at bank and in hand54/58€91€6k▲

Equity and liabilities

Total equity and liabilities10/49€8k€26k▲

Equity10/15€-1k€3k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€-4k€251▲

Amounts payable17/49€9k€23k▲

Amounts payable within one year42/48€9k€20k▲

Trade debts44€3k€5k▲

Suppliers440/4€3k€5k▲

Taxes, remuneration and social security45€0€2k▲

Taxes450/3€0€158▲

Remuneration and social security454/9€0€2k▲

Other amounts payable47/48€6k€13k▲

Accrued charges and deferred income492/3-€4k

Income statement Code20242025

Turnover70€0-

Goods, raw materials, services and sundry goods60/61€0-

Remuneration, social security and pensions62€0-

Other operating charges640/8€384€532▲

Gross operating margin9900€-3k€5k▲

Operating profit (loss)9901€-3k€4k▲

Financial charges65/66B€176€250▲

Recurring financial charges65€176€250▲

Profit (loss) for the period before taxes9903€-4k€4k▲

Income taxes67/77-€99

Profit (loss) for the period9904€-4k€4k▲

Profit (loss) for the period to be appropriated9905€-4k€4k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-4k€251▲

Profit (loss) brought forward from the previous period14P-€-4k

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-01-2027

2025

29-12

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

30-06

Financial Back to profitnet €4k

Net result €4k after one loss-making year.

27-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

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, Sint-Pieters-Leeuw · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Bergensesteenweg 241600 Sint-Pieters-Leeuw

Ground area

1,734 m²

Building footprint

479 m²

Volume, LiDAR

4,243 m³

2 parcels, Brussels, Flanders · tallest building 16.1 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

SCM CONSTRUCT

Sint-Agatha-Berchemselaan 8, 1081 KoekelbergGeneral construction of buildings

since 20232.345.427.138

2 parcels

Flanders 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23077A0118/00W082	Flanders	1,638 m²	1 · 398 m²	9.5 m · 3 fl.
21011A0041/00X002	Brussels	96 m²	1 · 81 m²	16.1 m · 4 fl.

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.

Similar companies · same sector, comparable size

SCHYNS JEAN-FRANCOIS

BE 1012.278.043

Sprimont · Eq €2,752

GARAGE BAPTISTA ARNAUD

Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 4,325 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded25-05-2023

Fiscal year end30-06

Activities, NACEBEL 2025

41001General construction of residential buildings

41003General construction of other non-residential buildings

43990Other specialised construction activities

81210General cleaning of buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.