SCONELO
ActiveSCONELO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €330k and a net result of €-20k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 13977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
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
Profitability18▼-50
Solvency61▼-35
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 5.15 against 1.96 in 2024; short-term debt: 12.4% and cash: 1.8% of total assets), but 63.6% 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.
−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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
1819202122232425
2018 to 2025 · latest year €-20k
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
35 d early
2023
33 d early
2022
24 d late
2021
57 d early
2020
60 d early
2019
64 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€330k▼ 5.6%
2024 · €349k
2018: €228k
2019: €309k
2020: €302k
2021: €307k
2022: €350k
2023: €352k
2024: €349k
2018 → 2025
Total assets
€907k▲ 84.2%
2024 · €493k
2018: €835k
2019: €456k
2020: €412k
2021: €412k
2022: €418k
2023: €409k
2024: €493k
2018 → 2025
Net result
€-20k▼ 787%
2024 · €-2k
2018: €70k
2019: €81k
2020: €-7k
2021: €5k
2022: €43k
2023: €1k
2024: €-2k
2018 → 2025
Working capital
€465k▲ 237%
2024 · €138k
2018: €323k
2019: €65k
2020: €68k
2021: €79k
2022: €129k
2023: €131k
2024: €138k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€307k-€350k▲ 14.1%€352k▲ 0.4%€349k▼ 0.6%€330k▼ 5.6%
Operating result€5k-€64k▲ 1,180%€2k▼ 96.1%€-2k€-8k▼ 355%
Net result€5k-€43k▲ 732%€1k▼ 96.8%€-2k€-20k▼ 787%
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 €8k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €907k
Fixed assets
€330k▲ 56.0%
Current assets
€577k▲ 105%
Equity and liabilities €907k
Equity
€330k▼ 5.6%
Debt
€577k▲ 303%
The debt ratio rises from 29.1% to 63.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3k▼
2024 · €8k
Cash flow
€-8k▼
2024 · €8k
Solvency
36.4%▼
2024 · 70.9%
Current ratio
5.15▲
2024 · 1.96
Quick ratio
0.59▼
2024 · 0.85
Debt / equity
1.75▲
2024 · 0.41
ROE
-5.9%▼
2024 · -0.6%
ROA
-2.2%▼
2024 · -0.4%
Interest coverage
0.24▼
2024 · 44.62
Debt
€577k▲
2024 · €143k
Debt ≤ 1 year
€112k▼
2024 · €143k
Debt > 1 year
€465k
Income taxes
€257▲
2024 · €256
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€493k€907k▲
Fixed assets21/28€211k€330k▲
Tangible fixed assets22/27€201k€320k▲
Land and buildings22€187k€305k▲
Plant, machinery and equipment23€239€1k▲
Furniture and vehicles24€14k€14k▼
Financial fixed assets28€10k€10k=
Current assets29/58€281k€577k▲
Stocks and contracts in progress3€159k€511k▲
Stocks30/36€159k€511k▲
Amounts receivable within one year40/41€27k€44k▲
Trade receivables40€27k€44k▲
Current investments50/53€61€61=
Cash at bank and in hand54/58€92k€16k▼
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€493k€907k▲
Equity10/15€349k€330k▼
Contributions10/11€20k€20k=
Reserves13€332k€332k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€330k€330k=
Profit (loss) carried forward14€-2k€-22k▼
Amounts payable17/49€143k€577k▲
Amounts payable after more than one year17-€465k
Other amounts payable178/9-€465k
Amounts payable within one year42/48€143k€112k▼
Trade debts44€3k€61k▲
Suppliers440/4€3k€61k▲
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€3k€10k▲
Other amounts payable47/48€137k€41k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€2k€13k▲
Gross operating margin9900€10k€16k▲
Operating profit (loss)9901€-2k€-8k▼
Financial income75/76B€1€3k▲
Recurring financial income75€1€3k▲
Financial charges65/66B€179€14k▲
Recurring financial charges65€179€14k▲
Profit (loss) for the period before taxes9903€-2k€-19k▼
Income taxes67/77€256€257▲
Profit (loss) for the period9904€-2k€-20k▼
Profit (loss) for the period to be appropriated9905€-2k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-22k▼
Profit (loss) brought forward from the previous period14P-€-2k
The notes to these accounts (6 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 5.15
Current ratio from 1.96 to 5.15; short-term debt falls from €143k to €112k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
04-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €81k ▲15%
Net result €81k, the highest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Herk-de-Stad · 1 establishment unit since 2006
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.
Kiezelweg 1003540 Herk-de-StadGround area
1,947 m²
Building footprint
224 m²
Volume, LiDAR
1,365 m³
Parcel 71051B0167/00L000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sconelo
since 20062.157.315.830
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71051B0167/00L000 | Flanders | 1,947 m² | 1 · 224 m² | 8.6 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
WIM PAUWELS
BE 0898.574.445
Mechelen · Eq €330k
AQUADRAAT
BE 0807.348.915
Ranst · Eq €330k
BELION
BE 0896.458.657
Zonnebeke · Eq €330k
SUMMUM BONUM
BE 0866.038.962
Bilzen-Hoeselt · Eq €329k
INTERKONTAKT & PARTNERS
BE 0421.297.328
Oudenaarde · Eq €331k
Of 9,697 companies in sector 68121 we hold annual accounts for 7,382. 5,091 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-2006
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
70111
68122Development of non-residential building projects
68110Buying and selling of own real estate
70112
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.