Scotia
ActiveScotia has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €228k and a net result of €32k. Equity is growing by ~46% per year across the filed fiscal years. Its solvency ranks better than 83% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
93
/ 100
Excellent▼ -7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▼-29
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 7.62 against 4.65 in 2023), and 13% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
30 d late
2022
3 d early
2021
17 d late
2020
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€228k▲ 16.6%
2023 · €196k
2020: €31k
2021: €52k
2022: €119k
2023: €196k
2020 → 2024
Total assets
€262k▲ 5.4%
2023 · €249k
2020: €47k
2021: €94k
2022: €164k
2023: €249k
2020 → 2024
Net result
€32k▼ 57.6%
2023 · €77k
2020: €26k
2021: €36k
2022: €68k
2023: €77k
2020 → 2024
Working capital
€226k▲ 16.8%
2023 · €194k
2020: €31k
2021: €51k
2022: €118k
2023: €194k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€31k-€52k▲ 70.2%€119k▲ 128%€196k▲ 64.4%€228k▲ 16.6%
Operating result€36k-€48k▲ 34.5%€95k▲ 97.4%€105k▲ 10.4%€43k▼ 59.5%
Net result€26k-€36k▲ 40.4%€68k▲ 87.6%€77k▲ 13.3%€32k▼ 57.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 60% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €262k
Fixed assets
€1k▼ 10.2%
Current assets
€261k▲ 5.6%
Equity and liabilities €262k
Equity
€228k▲ 16.6%
Debt
€34k▼ 35.6%
The debt ratio falls from 21.4% to 13.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€43k▼
2023 · €106k
Cash flow
€33k▼
2023 · €77k
Solvency
87.0%▲
2023 · 78.6%
Current ratio
7.62▲
2023 · 4.65
Quick ratio
7.62▲
2023 · 4.65
Debt / equity
0.15▼
2023 · 0.27
ROE
14.2%▼
2023 · 39.2%
ROA
12.4%▼
2023 · 30.8%
Interest coverage
59.06▼
2023 · 124.14
Debt
€34k▼
2023 · €53k
Debt ≤ 1 year
€34k▼
2023 · €53k
Income taxes
€13k▼
2023 · €31k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€249k€262k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€247k€261k▲
Amounts receivable within one year40/41€17k€14k▼
Trade receivables40€15k€5k▼
Other amounts receivable41€2k€9k▲
Current investments50/53€49k€203k▲
Cash at bank and in hand54/58€181k€43k▼
Deferred charges and accrued income490/1€537€537=
Equity and liabilities
Total equity and liabilities10/49€249k€262k▲
Equity10/15€196k€228k▲
Contributions10/11€5k€5k=
Reserves13€191k€223k▲
Distributable reserves133€191k€223k▲
Amounts payable17/49€53k€34k▼
Amounts payable within one year42/48€53k€34k▼
Trade debts44€4k€9k▲
Suppliers440/4€4k€9k▲
Taxes, remuneration and social security45€45k€22k▼
Taxes450/3€45k€22k▼
Other amounts payable47/48€4k€3k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€557€478▼
Other operating charges640/8€384€387▲
Non-recurring operating charges66A€300€164▼
Gross operating margin9900€106k€44k▼
Operating profit (loss)9901€105k€43k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€851€728▼
Recurring financial charges65€851€728▼
Profit (loss) for the period before taxes9903€107k€45k▼
Income taxes67/77€31k€13k▼
Profit (loss) for the period9904€77k€32k▼
Profit (loss) for the period to be appropriated9905€77k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€77k€32k▼
Transfer to equity691/2€77k€32k▼
To other reserves6921€77k€32k▼
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
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €228k ▲16.6%
5 profitable years in a row build equity to €228k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2020net €77k ▲13.3%
Operating result €105k, net result €77k, both a record.
31-12
Financial
Equity above €150kEq €196k ▲64.4%
4 profitable years in a row build equity to €196k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €119k ▲128%
3 profitable years in a row build equity to €119k.
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 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, Tervuren · 1 establishment unit since 2019
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.
Brusselsesteenweg 2103080 TervurenGround area
1,919 m²
Building footprint
431 m²
Volume, LiDAR
5,648 m³
Parcel 24302G0186/00E000, Flanders · tallest building 16.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Brusselsesteenweg 210, 3080 Tervuren
since 20192.297.142.023
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24302G0186/00E000 | Flanders | 1,919 m² | 1 · 431 m² | 16.3 m · 5 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
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HIKE
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valueXstream
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SENSE FINANCE
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Of 29,885 companies in sector 62200 we hold annual accounts for 18,322. 14,346 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2019
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
59113Video and film production, excluding cinema and television films
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.