Scool
ActiveSummary
Scool has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23,729 and a net result of -€7,849. Equity has been shrinking by about 10% per year since 2022. Its solvency ranks better than 94% of 39,275 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 25-02-2022 Normal situation
- Activity
- Business and other management consultancy NACE 70200
- Establishment unit
- 2.328.228.147 2890 Puurs-Sint-Amands, since 25-02-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 29-09-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
Annual accounts 2025
- Gross margin
- -€4,885
- Loss
- €7,849
- ▲ 196%
- Equity
- €23,729
- ▼ 36.7%
- Total assets
- €24,962
- ▼ 39.7%
Turnover not published (micro format)
Score breakdownraises riskLoss of €7,849, the second in a row (financial year 2025)lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €24,962Figures for financial year 2025 (filed on 27-02-2026)Show the evidence
Checked score
Score 2025
90
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 39% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2024
Average
Solvency
100=
equity 95.1% of total assets
Liquidity
59-32
short-term debt 4.9% · cash 7.1%
Profitability
0-11
return on assets -31.4%
Bankruptcy probability within 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%▲ +0.1 percentage points vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026highest value
08-2026: 0.1%● unchanged vs 07-2026highest value
09-2026: 0.1%● unchanged vs 08-2026highest value
10-2026: 0.1%● unchanged vs 09-2026highest value
11-2026: 0.1%● unchanged vs 10-2026highest value
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 16.84 (8.79 in 2024), above the usual 1.5. Short-term debt is 4.9% and cash 7.1% of total assets. 4.9% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 50% on liquidity, 4% on profitability and 16% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
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
22232425
2022 to 2025 · latest year -€7,849
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 27-02-2026, 154 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
154 days early
2024
154 days early
2023
160 days early
2022
152 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 155 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 February (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 27-02-2026 PDF all 4 filings
Equity
€23,729▼ 36.7%
2024 · €37,460
Total assets
€24,962▼ 39.7%
2024 · €41,391
Net result
-€7,849▼ 196%
2024 · -€2,651
Working capital
€19,535▼ 36.2%
2024 · €30,624
Multi-year overview
2022 to 2025, 4 financial yearsOperating result
-€7,839
▼ 170%
2025
20222025
Net result
-€7,849
▼ 196%
2025
lowest quarter of the sector
20222025
Equity
€23,729
▼ 36.7%
2025
middle half of the sector
20222025
Total assets
€24,962
▼ 39.7%
2025
lowest quarter of the sector
20222025
Debt
€1,233
▼ 68.6%
2025
20222025
Working capital
€19,535
▼ 36.2%
2025
middle half of the sector
20222025
Solvency
95.1%
▲ 4.6pp
2025
highest quarter of the sector
20222025
Current ratio
16.84
▲ 8.05
2025
highest quarter of the sector
20222025
Return on assets (ROA)
-31.4%
▼ 25.0pp
2025
lowest quarter of the sector
20222025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line2022202320242025
Operating result€39,063-€14,816▼ 62.1%-€2,907-€7,839▼ 170%
Net result€31,204within the sector's middle half-€11,708within the sector's middle half▼ 62.5%-€2,651below the sector's middle half-€7,849below the sector's middle half▼ 196%
Equity€31,604within the sector's middle half-€41,711within the sector's middle half▲ 32.0%€37,460within the sector's middle half▼ 10.2%€23,729within the sector's middle half▼ 36.7%
Total assets€42,538below the sector's middle half-€53,340below the sector's middle half▲ 25.4%€41,391below the sector's middle half▼ 22.4%€24,962below the sector's middle half▼ 39.7%
Debt€10,935-€11,628▲ 6.3%€3,931▼ 66.2%€1,233▼ 68.6%
Working capital€22,908within the sector's middle half-€32,230within the sector's middle half▲ 40.7%€30,624within the sector's middle half▼ 5.0%€19,535within the sector's middle half▼ 36.2%
Solvency74.3%within the sector's middle half-78.2%above the sector's middle half▲ 3.9pp90.5%above the sector's middle half▲ 12.3pp95.1%above the sector's middle half▲ 4.6pp
Current ratio3.64within the sector's middle half-3.77within the sector's middle half▲ 0.138.79above the sector's middle half▲ 5.0216.84above the sector's middle half▲ 8.05
Return on assets (ROA)73.4%above the sector's middle half-21.9%within the sector's middle half▼ 51.4pp-6.4%below the sector's middle half▼ 28.4pp-31.4%below the sector's middle half▼ 25.0pp
above
within
below
The sector band is the middle half of the companies in Activities of head offices; management consultancy activities (NACE 70). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a loss of €7,839, larger than the loss of €2,907 in 2024. It is the lowest result since 2022.
Turnover and EBIT margin are not published. The micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24,962
Fixed assets
€4,194 ▼ 38.7%
Current assets
€20,768 ▼ 39.9%
Equity and liabilities €24,962
Equity
€23,729 ▼ 36.7%
Debt
€1,233 ▼ 68.6%
Debt's share of the balance-sheet total falls from 9.5% to 4.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€5,197▼
2024 · -€261
Cash flow
-€5,207▼
2024 · -€6
Debt to equity
0.05▼
2024 · 0.10
ROE
-33.1%▼
2024 · -7.1%
Interest coverage
-531.92▼
2024 · -1.45
Debt ≤ 1 year
€1,233▼
2024 · €3,931
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Tangible fixed assets | €11,540 | €1,003 | - | - |
| Financial fixed assets | - | - | - | €0 |
| Depreciation and write-downs of the year | €586 | €2,475 | €2,646 | €2,642 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €586 | €2,475 | €2,646 | €2,642 | ▼ 0.1% |
| Other operating charges640/8 | €163 | €238 | €264 | €311 | ▲ 18.0% |
| Gross operating margin9900 | €39,812 | €17,529 | €3 | -€4,885 | - |
| Operating profit (loss)9901 | €39,063 | €14,816 | -€2,907 | -€7,839 | ▼ 170% |
| Financial income75/76B | €0 | €0 | €436 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | €0 | €436 | €0 | ▼ 100% |
| Financial charges65/66B | €1 | €72 | €180 | €10 | ▼ 94.6% |
| Recurring financial charges65 | €1 | €72 | €180 | €10 | ▼ 94.6% |
| Profit (loss) for the period before taxes9903 | €39,062 | €14,744 | -€2,651 | -€7,849 | ▼ 196% |
| Income taxes67/77 | €7,859 | €3,036 | €0 | - | - |
| Profit (loss) for the period9904 | €31,204 | €11,708 | -€2,651 | -€7,849 | ▼ 196% |
| Profit (loss) for the period to be appropriated9905 | €31,204 | €11,708 | -€2,651 | -€7,849 | ▼ 196% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €42,538 | €53,340 | €41,391 | €24,962 | ▼ 39.7% |
| Fixed assets21/28 | €10,954 | €9,482 | €6,836 | €4,194 | ▼ 38.7% |
| Tangible fixed assets22/27 | €10,954 | €9,482 | €6,836 | €4,194 | ▼ 38.7% |
| Furniture and vehicles24 | €10,954 | €9,482 | €6,836 | €4,194 | ▼ 38.7% |
| Current assets29/58 | €31,585 | €43,858 | €34,555 | €20,768 | ▼ 39.9% |
| Amounts receivable within one year40/41 | €8,274 | €1,000 | €0 | - | - |
| Trade receivables40 | €8,274 | €1,000 | €0 | - | - |
| Other amounts receivable41 | - | - | €0 | - | - |
| Current investments50/53 | - | €23,000 | €21,000 | €19,000 | ▼ 9.5% |
| Cash at bank and in hand54/58 | €23,310 | €19,858 | €13,555 | €1,768 | ▼ 87.0% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €42,538 | €53,340 | €41,391 | €24,962 | ▼ 39.7% |
| Equity10/15 | €31,604 | €41,711 | €37,460 | €23,729 | ▼ 36.7% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €29,604 | €39,711 | €35,460 | €21,729 | ▼ 38.7% |
| Distributable reserves133 | €29,604 | €39,711 | €35,460 | €21,729 | ▼ 38.7% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €10,935 | €11,628 | €3,931 | €1,233 | ▼ 68.6% |
| Amounts payable within one year42/48 | €8,677 | €11,628 | €3,931 | €1,233 | ▼ 68.6% |
| Trade debts44 | €315 | €463 | €0 | €239 | - |
| Suppliers440/4 | €315 | €463 | €0 | €239 | - |
| Taxes, remuneration and social security45 | €8,362 | €10,814 | €3,580 | €210 | ▼ 94.1% |
| Taxes450/3 | €8,362 | €10,814 | €3,580 | €210 | ▼ 94.1% |
| Other amounts payable47/48 | - | €351 | €351 | €784 | ▲ 123% |
| Accrued charges and deferred income492/3 | €2,258 | €0 | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31,204 | €11,708 | -€2,651 | -€7,849 | ▼ 196% |
| + Depreciation and write-downs630 | €586 | €2,475 | €2,646 | €2,642 | ▼ 0.1% |
| Operating cash flow (approximation) | €31,790 | €14,183 | -€6 | -€5,207 | ▼ 94,394% |
| Investment in fixed assets (approximation) | - | -€1,003 | €0 | €0 | - |
| Change in cash | - | -€3,452 | -€6,303 | -€11,787 | ▼ 87.0% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 3,223 companies had the same profile as Scool has now. Two years later, 87.7% were still going and 3.4% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
87.7%
was still going
8.7%
stopped otherwise
3.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Scool itself is lower: 0.1% within 12 months. It rests on far more data about Scool than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,223 companies, not a prediction for Scool. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Directors
1 director, no change since 2022
DENS Dirk Lisette Georges
Current
Director (not named in the articles) · appointed in the act of 01-03-2022 · also on the board of 1 other company · listed in the 2025 annual accounts, filed on 27-02-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 01-03-2022Owners and capital
Shareholders
At incorporation
act of 01-03-2022 ↗
- DENS Dirk Lisette Georges 95 shares (95%) · €1,900
- VLEMINCX Daisy Julienne Eddy 5 shares (5%) · €100
Capital transactions
Capital over time
- 01-03-2022 Incorporation · €2,000 · 100 shares
Mandate history
2 people, 1 in office
- Board
- end not dated
| Name | Functions and periods |
|---|---|
| DENS Dirk Lisette Georges |
|
| VLEMINCX Daisy Julienne Eddy |
|
Articles of association
Capital, shares and profit
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “Op naam, register aandelen op naam met WVV-vermeldingen”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Na aftrek van voorgestelde rechten, helft overdrager helft koper(s) naar evenredigheid”
Audit, dissolution and liquidation
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Vereffenaar, één of meerdere vereffenaars aanduiden,bevoegdheden omlijnen,vergoeding bepalen”
Articles of association, deed of 01-03-2022 (in Dutch)
Network & group
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
ComfoPlus
via DENS Dirk Lisette Georges · Director
→
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
27-02
micro format · 154 days before the deadline
2025
31-12
Financial
Weakest financial yearnet -€7,849
The net result drops to -€7,849, the lowest from 2022 to 2025.
27-02
micro format · 154 days before the deadline
2024
31-12
Financial
Liquidity more than doubledcurrent ratio 8.79
The current ratio rises from 3.77 to 8.79. Short-term debt falls from €11,628 to €3,931.
22-02
micro format · 160 days before the deadline
2023
01-03
micro format · 152 days before the deadline
2022
01-03
Gazette deed
IncorporationStarting capital €2,000 · Appointments: DENS Dirk Lisette Georges (director) and VLEMINCX Daisy Julienne Eddy (director) · Founder8 points ▸
Gazette deed
Incorporation
Starting capital €2,000 · Appointments: DENS Dirk Lisette Georges (director) and VLEMINCX Daisy Julienne Eddy (director) · Founder8 points ▸
- Incorporation, 25-02-2022
- Founder, DENS Dirk Lisette Georges
- Founder, VLEMINCX Daisy Julienne Eddy
- Founding capital, €2,000
- Registered office clause, “2890 Puurs-Sint-Amands,Nijvendries 11” (deed in Dutch)
- Other provision, “Website en e-mailadres, nog niet beschikbaar” (deed in Dutch)
- Director appointment, DENS Dirk Lisette Georges (director (not named in the articles))
- Director appointment, VLEMINCX Daisy Julienne Eddy (director (not named in the articles))
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
Scool in Dutch
Enterprise number
0782.635.392
Legal form
Private limited company
Status
Active, normale toestand
Founded
25-02-2022
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 01-03-2022 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Geen wijziging taalregime, enkel besluit bestuursorgaan”
deed of 01-03-2022 (in Dutch)Registered office and establishments
Registered office
Nijvendries(OPP) 11, 2890 Puurs-Sint-Amands, Belgium
Establishment unit
Scool, Nijvendries(OPP) 11, 2890 Puurs-Sint-Amands since 25-02-2022 · unit number 2.328.228.147
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 01-03-2022 (in Dutch)
“Advies met betrekking tot ladingdragers (pallets,boxen,kratten,…); Advies met betrekking tot reiniging van ladingdragers; Advies met…”
9 activities
- Advies met betrekking tot ladingdragers (pallets,boxen,kratten,…);
- Advies met betrekking tot reiniging van ladingdragers;
- Advies met betrekking tot pooling van ladingdragers;
- Advies met betrekking tot overige logistieke activiteiten (transport/warehousing,…);
- Algemene B2BSales ondersteuning;
- General management KMO’s;
- Import,export,groot en kleinhandel in wijnen,sterke dranken,alle alcoholische en niet-alcoholische dranken inclusief de thuisbezorging ervan;
- Import,export,groot en kleinhandel van voedingswaren en dranken bestemd voor de horeca en aanverwante activiteiten zowel voor eigen gebruik als oor gebruik door derden;
- Import,export,groot en kleinhandel van allerhande artikelen inzake wijnen zoals wijnglazen,wijnkaraffen,verpakkingen,… in de meest ruime zin van het woord.
Invoicing and payment
VAT number
BE 0782.635.392
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
14 February at 18:00
deed of 01-03-2022 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
1,075 m²
Building footprint
182 m²
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 12028B0273/00R000 | Flanders | 1,075 m² | 1 · 182 m² | - |