SCOHY BATI
ActiveThe computed 12-month bankruptcy probability of SCOHY BATI is 2.3% (moderate). The 2025 annual accounts show equity of €61k and a net result of €34k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 26% of 7452 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
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+27
Solvency45▲+2
Growth52=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.24 in 2024; short-term debt: 35.7% and cash: 18.3% of total assets), and 80.3% 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 · 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 →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-11-2025, 27 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 · 3 filingsDeviation from the deadline
2025
27 d late
2024
103 d late
2022
260 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close23-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▼ 1.2%
2024 · €61k
2022: €52k
2024: €61k
2022 → 2025
Total assets
€308k▼ 10.7%
2024 · €345k
2022: €85k
2024: €345k
2022 → 2025
Net result
€34k▲ 1,770%
2024 · €2k
2022: €45k
2024: €2k
2022 → 2025
Working capital
€52k▲ 64.7%
2024 · €31k
2022: €38k
2024: €31k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220242025Trend
Equity€52k-€61k▲ 17.1%€61k▼ 1.2%
Operating result€56k-€7k▼ 87.1%€53k▲ 633%
Net result€45k-€2k▼ 95.9%€34k▲ 1,770%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 633% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €308k
Fixed assets
€146k▼ 19.6%
Current assets
€162k▼ 0.9%
Equity and liabilities €308k
Equity
€61k▼ 1.2%
Debt
€248k▼ 12.8%
The debt ratio falls from 82.2% to 80.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€89k▲
2024 · €15k
Cash flow
€70k▲
2024 · €9k
Solvency
19.7%▲
2024 · 17.8%
Current ratio
1.47▲
2024 · 1.24
Quick ratio
1.46▲
2024 · 0.97
Debt / equity
4.09▼
2024 · 4.63
ROE
56.6%▲
2024 · 3.0%
ROA
11.1%▲
2024 · 0.5%
Interest coverage
10.58▲
2024 · 4.39
Debt
€248k▼
2024 · €284k
Debt ≤ 1 year
€110k▼
2024 · €132k
Debt > 1 year
€137k▼
2024 · €152k
Income taxes
€12k▲
2024 · €2k
Staff costs
€31k▼
2024 · €50k
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€345k€308k▼
Fixed assets21/28€182k€146k▼
Tangible fixed assets22/27€182k€146k▼
Land and buildings22€175k€142k▼
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24-€504
Current assets29/58€163k€162k▼
Stocks and contracts in progress3€35k€750▼
Stocks30/36€35k€750▼
Amounts receivable within one year40/41€105k€104k▼
Trade receivables40€82k€58k▼
Other amounts receivable41€23k€45k▲
Cash at bank and in hand54/58€20k€57k▲
Deferred charges and accrued income490/1€3k€950▼
Equity and liabilities
Total equity and liabilities10/49€345k€308k▼
Equity10/15€61k€61k▼
Contributions10/11€8k€8k=
Reserves13€9k€9k=
Non-distributable reserves130/1€9k-
Reserves not available under the articles1311€9k-
Distributable reserves133-€9k
Profit (loss) carried forward14€45k€44k▼
Amounts payable17/49€284k€248k▼
Amounts payable after more than one year17€152k€137k▼
Financial debts170/4€152k€137k▼
Amounts payable within one year42/48€132k€110k▼
Current portion of amounts payable after more than one year42€594€8k▲
Trade debts44€113k€38k▼
Suppliers440/4€113k€38k▼
Taxes, remuneration and social security45€18k€29k▲
Taxes450/3€15k€27k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48-€35k
Accrued charges and deferred income492/3€149€613▲
Income statement
Code20242025
Non-recurring operating income76A-€250
Remuneration, social security and pensions62€50k€31k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€36k▲
Other operating charges640/8€641€584▼
Gross operating margin9900€66k€121k▲
Operating profit (loss)9901€7k€53k▲
Financial income75/76B€41€951▲
Recurring financial income75€41€951▲
Financial charges65/66B€3k€8k▲
Recurring financial charges65€3k€8k▲
Profit (loss) for the period before taxes9903€4k€46k▲
Income taxes67/77€2k€12k▲
Profit (loss) for the period9904€2k€34k▲
Profit (loss) for the period to be appropriated9905€2k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€79k▲
Profit (loss) brought forward from the previous period14P€45k€45k=
Transfer to equity691/2€2k-
To other reserves6921€2k-
Profit to be distributed694/7-€35k
Return on contributions (dividend)694-€35k
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
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 103 days late
2024
31-03
Financial
Weakest financial yearnet €2k ▼95.9%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 260 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, Namur · 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 Aimable Vigneron-Colin(FW) 165020 NamurGround area
556 m²
Building footprint
135 m²
Volume, LiDAR
958 m³
Parcel 92043E0270/00E000, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCOHY BATI
since 20202.313.244.518
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92043E0270/00E000 | Wallonia | 556 m² | 1 · 135 m² | 9.2 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
DRYWALL SOLUTION
BE 0798.343.454
Sint-Pieters-Leeuw · Eq €61k
LEON & G
BE 0776.476.981
Asse · Eq €61k
CCBR Build
BE 0785.807.490
Jodoigne · Eq €61k
G&Y
BE 0641.843.654
Dinant · Eq €61k
CJP & Co
BE 0480.225.521
Zele · Eq €61k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 13,189 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2020
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
43910Bricklaying and masonry work
43994Specialised construction activities
43410Roofing work
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:scohybati@gmail.com