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Generated 05-08-2026
Active BE 0776.674.842Private limited company

Scratch Concept

Vleurgatse Steenweg 8 ·1050 Elsene, Belgium· 4 yrs active
Sector: Cafés (56301)
Conclusion Checked

The computed 12-month bankruptcy probability of Scratch Concept is 16.7% (high). The 2024 annual accounts show negative equity (€-2k) and a net result of €-5k. Equity is shrinking by ~221.7% per year across the filed fiscal years. Its solvency ranks better than 10% of 5608 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €-2k
Net result €-5k
Better than sector 10%
Active 4 yrs
Snowflake analysis 5 axes · computed by Checked
Health25Profitability100Solvency34Growth32Stability94
57 / 100

Mixed profile: strong on profitability, weaker on health.

Health 25
Profitability 100
Solvency 34
Growth 32
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
16.7% High
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Annual accounts: weaker financial profile +Young company +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
25 / 100 Weak
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 28-09-2025 with the NBB · fiscal year 2024 · micro
€-10k€0€10k€20kOperating result 2022: €21k€21kNet result 2022: €18k€18kOperating result 2023: €-9k€-9kNet result 2023: €-8k€-8kOperating result 2024: €-4k€-4kNet result 2024: €-5k€-5k202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~221.7%/year over 3 fiscal years, indicative, assuming unchanged policy.
€-30k€-20k€-10k€0€10k2025: €-9k (€-9k - €-9k)2026: €-16k (€-16k - €-15k)2027: €-22k (€-22k - €-22k)2022: €11k2023: €3k2024: €-2k202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -94.4% 19.3%
better than 10% of 5608 sector peers
Net result €-5k €4k
better than 28% of 5597 sector peers
Equity €-2k €14k
better than 29% of 5619 sector peers
Gross operating margin €-670 €52k
better than 12% of 5583 sector peers
Staff costs €2k €49k
higher than 9% of 4061 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-6k
- far below sector median
Net profit
€-5k
+37.2% -10% vs sector
Cash flow
€-5k
- far below sector median
Total assets
€2k
-95.7% -98% vs sector
Equity
€-2k
- far below sector median
Working capital
€-2k
+81.2% far below sector median
Staff costs
€2k
-77.9% -98% vs sector
Income taxes
€-1k
- far below sector median
Debt
€4k
-91.2% -83% vs sector
Debt ≤ 1y
€4k
-91.2% -82% vs sector
Current ratio
0.51
-33.4% -89% vs sector
Quick ratio
0.51
-29.5% -89% vs sector
Solvency
-94.4%
- far below sector median
Debt / equity
-2.06
- far below sector median
ROE
240.7%
- far above sector median
ROA
-227.4%
-1364.9% far below sector median
Interest coverage
-10.46
- far below sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA-
Net profit€-5k
Cash flow-
Staff costs€2k
Income taxes-
Dividends-
Total assets€2k
Equity€-2k
Debt€4k
of which ≤ 1y€4k
of which > 1y-
Working capital€-2k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.51
Quick ratio0.51
Working capital ratio-94.4%
Solvency-94.4%
Debt / equity-2.06
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-227.4%
ROE240.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€2k
Current assets 29/58€2k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€0
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2k
Equity 10/15€-2k
Contributions / capital 10/11€4k
Accumulated profits (losses) 14€-6k
Amounts payable 17/49€4k
Amounts payable within one year 42/48€4k
Income statement
Gross operating margin 9900€-670
Operating result 9901€-4k
Financial income 75€15
Financial charges 65€854
Result before taxes 9903€-5k
Net result for the period 9904€-5k
Result to be appropriated 9905€-5k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Cafés(56301)
Legal form Private limited company(610)
Incorporation29-10-2021
StatusActive
Postal code1050
Establishment units 1 location
Belle Alliancelaan 1, 1000 Brussel
Cafés en bars
since 20212.323.754.566
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21822R0267/00G004
ProtectedSite or landscapeTer Kamerenbos
 Brussels 1,090 m² 1 · 220 m² 29.9 m · 9 fl.
21444B0025/00Y000 Brussels 212 m² 1 · 93 m² 17.3 m · 5 fl.
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
28-09-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
20-08-2024
State Gazette act Director changes
10-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
11-10-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
13-10-2022
State Gazette act Director changes
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2024
20-08-2024 Gabriel Ducarme resigns as director Director changes
  • Gabriel Ducarme, Bestuurder
Technical details 
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2022
13-10-2022 3 directors appointed, 2 resigning Director changes
  • Antoinette de Launoit, Directeur
  • Gabriel Ducarme, Directeur
  • Louis Stulemeijer, Directeur
  • Simon Meeùs, Directeur
  • Thomas Steenbergh, Directeur
Technical details 
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Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Cafés en bars56301Cafés en bars56301Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
Legal nameFR Scratch Concept
Registered office
Vleurgatse Steenweg 8
1050 Elsene, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same NACE
Société de Coopération Technique BE 0416.569.270 · Elsene
V.D.B. FACULTY BE 0402.030.653 · Elsene
BRASSERIE DU MIDI BE 0413.396.578 · Schaarbeek
Parochiezalen Noord-West Brabant BE 0410.134.212 · Opwijk
TAVERNE D'EVERE BE 0420.754.623 · Schaarbeek
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative