SCRD
ActiveSCRD has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €21k. Equity is growing by ~26.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 7415 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-9
Solvency62▼-20
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 2.39 in 2024; short-term debt: 59.9% and cash: 7.6% of total assets), but 62.6% 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
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
37.4%
Return on assets
6.9%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-04-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
28 d late
2023
25 d early
2022
12 d early
2021
26 d early
2020
24 d early
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€21k▼ 3.6%
2024 · €21k
2018: €6k
2019: €8k
2020: €6k
2021: €11k
2022: €4k
2023: €20k
2024: €21k
2018 → 2025
Working capital
€96k▲ 30.2%
2024 · €74k
2018: €11k
2019: €20k
2020: €28k
2021: €39k
2022: €41k
2023: €63k
2024: €74k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€49k▲ 9.6%€69k▲ 41.2%€91k▲ 30.8%€111k▲ 22.7%
Operating result€13k-€6k▼ 54.3%€26k▲ 352%€31k▲ 17.0%€30k▼ 3.4%
Net result€11k-€4k▼ 59.2%€20k▲ 368%€21k▲ 5.7%€21k▼ 3.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €297k
Fixed assets
€22k▼ 28.0%
Current assets
€274k▲ 115%
Equity and liabilities €297k
Equity
€111k▲ 22.7%
Debt
€186k▲ 173%
The debt ratio rises from 42.9% to 62.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▼
2024 · €41k
Cash flow
€29k▼
2024 · €31k
Solvency
37.4%▼
2024 · 57.1%
Current ratio
1.54▼
2024 · 2.39
Quick ratio
1.54▼
2024 · 2.39
Debt / equity
1.67▲
2024 · 0.75
ROE
18.5%▼
2024 · 23.6%
ROA
6.9%▼
2024 · 13.4%
Interest coverage
175.41▲
2024 · 55.44
Debt
€186k▲
2024 · €68k
Debt ≤ 1 year
€178k▲
2024 · €53k
Debt > 1 year
€8k▼
2024 · €15k
Income taxes
€9k▲
2024 · €9k
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€159k€297k▲
Fixed assets21/28€31k€22k▼
Tangible fixed assets22/27€31k€22k▼
Plant, machinery and equipment23€668€268▼
Furniture and vehicles24€2k€405▼
Leasing and similar rights25€29k€22k▼
Current assets29/58€127k€274k▲
Amounts receivable within one year40/41€86k€250k▲
Trade receivables40€78k€248k▲
Other amounts receivable41€8k€2k▼
Cash at bank and in hand54/58€41k€23k▼
Deferred charges and accrued income490/1€192€2k▲
Equity and liabilities
Total equity and liabilities10/49€159k€297k▲
Equity10/15€91k€111k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€82k€103k▲
Amounts payable17/49€68k€186k▲
Amounts payable after more than one year17€15k€8k▼
Financial debts170/4€15k€8k▼
Amounts payable within one year42/48€53k€178k▲
Current portion of amounts payable after more than one year42€6k€10k▲
Trade debts44€17k€150k▲
Suppliers440/4€17k€150k▲
Taxes, remuneration and social security45€31k€16k▼
Taxes450/3€6k€4k▼
Remuneration and social security454/9€25k€12k▼
Other amounts payable47/48-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€42k€40k▼
Operating profit (loss)9901€31k€30k▼
Financial income75/76B€377€135▼
Recurring financial income75€377€135▼
Financial charges65/66B€732€219▼
Recurring financial charges65€732€219▼
Profit (loss) for the period before taxes9903€30k€30k▼
Income taxes67/77€9k€9k▲
Profit (loss) for the period9904€21k€21k▼
Profit (loss) for the period to be appropriated9905€21k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€103k▲
Profit (loss) brought forward from the previous period14P€61k€82k▲
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
2026
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €100kEq €111k ▲22.7%
8 profitable years in a row build equity to €111k.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-09
Financial
Highest result since 2018net €21k ▲5.7%
Operating result €31k, net result €21k, both a record.
05-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €4k ▼59.2%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Liquidity triplescurrent ratio 4.22
Current ratio from 1.48 to 4.22; short-term debt falls from €24k to €6k.
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Beersel · 1 establishment unit since 2014
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.
Sint-Leonarduslaan 811654 BeerselGround area
249 m²
Building footprint
85 m²
Volume, LiDAR
528 m³
Parcel 23035A0381/00A003, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCRD
since 20142.233.924.549
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23035A0381/00A003 | Flanders | 249 m² | 1 · 85 m² | 9.0 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
CONSTRUCTION B&M
BE 0778.498.244
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ALLDAK
BE 0455.294.046
Erpe-Mere · Eq €111k
BOUWWERKEN VAN DER ELST GINO
BE 0458.593.036
Grobbendonk · Eq €111k
TREGADATA
BE 0871.827.882
Overijse · Eq €111k
Promotion Go & Co
BE 0880.708.629
Genappe · Eq €111k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 13,054 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2014
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
31004Manufacture of dining room, living room, bedroom and bathroom furniture
43990Other specialised construction activities
43999Specialised construction activities
49410Freight transport by road
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.