SCREDEMA
ActiveSummary
SCREDEMA has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.37M and a net result of €81k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 23% of 286 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability58▼-1
Solvency51▲+2
Growth51▼-2
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.18 in 2024; short-term debt: 69.4% and cash: 27.5% of total assets), and 73.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
26.4%
Return on assets
1.6%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Manufacture of other non-metallic mineral products (NACE 23)
about 17% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 286 sector peers (2025).
NBB · sector comparisonPosition among 286 sector peers
Solvency
better than 23%
← weakest
strongest →
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 05-05-2026, 87 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
87 d early
2024
104 d early
2023
98 d early
2022
94 d early
2021
33 d early
2020
72 d early
2019
73 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€10.23M▼ 11.9%
2024 · €11.61M
2018: €9.55M
2019: €8.75M▼ -8.4% vs 2018
2020: €8.58M▼ -1.9% vs 2019lowest in 8 years
2021: €9.80M▲ +14.2% vs 2020
2022: €12.23M▲ +24.9% vs 2021highest in 8 years
2023: €12.22M▼ -0.1% vs 2022
2024: €11.61M▼ -4.9% vs 2023
2025: €10.23M▼ -11.9% vs 2024
2018 → 2025
EBIT margin
1.2%▲ 0.2pp
2024 · 1.0%
2018: 1.1%
2019: 1.0%▼ -6.8% vs 2018
2020: 1.2%▲ +20.2% vs 2019highest in 8 years
2021: 0.9%▼ -29.9% vs 2020
2022: 0.7%▼ -14.6% vs 2021lowest in 8 years
2023: 0.9%▲ +15.0% vs 2022
2024: 1.0%▲ +13.5% vs 2023
2025: 1.2%▲ +20.6% vs 2024
2018 → 2025
Net result
€81k▲ 15.9%
2024 · €70k
2018: €70k
2019: €58k▼ -17.4% vs 2018
2020: €74k▲ +28.3% vs 2019
2021: €57k▼ -22.3% vs 2020lowest in 8 years
2022: €59k▲ +2.7% vs 2021
2023: €64k▲ +9.0% vs 2022
2024: €70k▲ +9.1% vs 2023
2025: €81k▲ +15.9% vs 2024highest in 8 years
2018 → 2025
Working capital
€886k▲ 22.8%
2024 · €721k
2018: €298k
2019: €29k▼ -90.2% vs 2018lowest in 8 years
2020: €212k▲ +625% vs 2019
2021: €322k▲ +52.1% vs 2020
2022: €451k▲ +40.1% vs 2021
2023: €642k▲ +42.2% vs 2022
2024: €721k▲ +12.4% vs 2023
2025: €886k▲ +22.8% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€9.80M-€12.23M▲ 24.9%€12.22M▼ 0.1%€11.61M▼ 4.9%€10.23M▼ 11.9%
2021: €9.80Mlowest in 5 years
2022: €12.23M▲ +24.9% vs 2021highest in 5 years
2023: €12.22M▼ -0.1% vs 2022
2024: €11.61M▼ -4.9% vs 2023
2025: €10.23M▼ -11.9% vs 2024
Equity€1.41M-€1.40M▼ 0.6%€1.40M▼ 0.2%€1.37M▼ 2.1%€1.37M▲ 0.1%
2021: €1.41Mhighest in 5 years
2022: €1.40M▼ -0.6% vs 2021
2023: €1.40M▼ -0.2% vs 2022
2024: €1.37M▼ -2.1% vs 2023lowest in 5 years
2025: €1.37M▲ +0.1% vs 2024
Operating result€85k-€90k▲ 6.7%€104k▲ 14.8%€112k▲ 7.9%€119k▲ 6.2%
2021: €85klowest in 5 years
2022: €90k▲ +6.7% vs 2021
2023: €104k▲ +14.8% vs 2022
2024: €112k▲ +7.9% vs 2023
2025: €119k▲ +6.2% vs 2024highest in 5 years
Net result€57k-€59k▲ 2.7%€64k▲ 9.0%€70k▲ 9.1%€81k▲ 15.9%
2021: €57klowest in 5 years
2022: €59k▲ +2.7% vs 2021
2023: €64k▲ +9.0% vs 2022
2024: €70k▲ +9.1% vs 2023
2025: €81k▲ +15.9% vs 2024highest in 5 years
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.20M
Fixed assets
€706k ▼ 22.8%
Current assets
€4.49M ▼ 4.8%
Equity and liabilities €5.20M
Equity
€1.37M ▲ 0.1%
Debt
€3.82M ▼ 10.2%
Debt's share of the balance-sheet total falls from 75.6% to 73.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€345k▼
2024 · €442k
Cash flow
€307k▼
2024 · €400k
Current ratio
1.25▲
2024 · 1.18
Quick ratio
1.05▲
2024 · 1.00
Debt to equity
2.79▼
2024 · 3.11
ROE
5.9%▲
2024 · 5.1%
ROA
1.6%▲
2024 · 1.2%
Interest coverage
303.60▲
2024 · 260.06
Debt ≤ 1 year
€3.61M▼
2024 · €4.00M
Debt > 1 year
€169k▼
2024 · €215k
Income taxes
€33k▼
2024 · €37k
Staff costs
€871k▲
2024 · €861k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 72 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.63M€5.20M▼
Fixed assets21/28€914k€706k▼
Tangible fixed assets22/27€914k€706k▼
Plant, machinery and equipment23€816k€655k▼
Leasing and similar rights25€89k€30k▼
Assets under construction and advance payments27€9k€21k▲
Financial fixed assets28€200€200=
Other financial fixed assets284/8€200€200=
Amounts receivable and cash guarantees285/8€200€200=
Current assets29/58€4.72M€4.49M▼
Stocks and contracts in progress3€707k€694k▼
Stocks30/36€707k€694k▼
Raw materials and consumables30/31€704k€691k▼
Finished goods33€3k€3k=
Goods purchased for resale34€494€302▼
Amounts receivable within one year40/41€3.24M€2.37M▼
Trade receivables40€3.22M€2.37M▼
Other amounts receivable41€25k-
Cash at bank and in hand54/58€769k€1.43M▲
Equity and liabilities
Total equity and liabilities10/49€5.63M€5.20M▼
Equity10/15€1.37M€1.37M▲
Contributions10/11€750k€750k=
Capital10€750k€750k=
Issued capital100€750k€750k=
Reserves13€75k€75k=
Non-distributable reserves130/1€75k€75k=
Legal reserve130€75k€75k=
Profit (loss) carried forward14€546k€548k▲
Amounts payable17/49€4.26M€3.82M▼
Amounts payable after more than one year17€215k€169k▼
Financial debts170/4€45k-
Leasing and similar obligations172€45k-
Trade debts175€124k€124k=
Suppliers1750€124k€124k=
Other amounts payable178/9€45k€45k=
Amounts payable within one year42/48€4.00M€3.61M▼
Current portion of amounts payable after more than one year42€60k€45k▼
Trade debts44€2.73M€2.30M▼
Suppliers440/4€2.73M€2.30M▼
Taxes, remuneration and social security45€145k€130k▼
Taxes450/3€23k€23k▲
Remuneration and social security454/9€122k€107k▼
Other amounts payable47/48€1.06M€1.13M▲
Accrued charges and deferred income492/3€50k€49k▼
Income statement
Code20242025
Operating income70/76A€11.70M€10.40M▼
Turnover70€11.61M€10.23M▼
Other operating income74€87k€168k▲
Operating charges60/66A€11.59M€10.28M▼
Goods for resale, raw materials and consumables60€7.53M€6.13M▼
Purchases600/8€7.52M€6.11M▼
Change in stocks: decrease (increase)609€4k€13k▲
Services and other goods61€1.91M€1.93M▲
Remuneration, social security and pensions62€861k€871k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€330k€226k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-52k
Other operating charges640/8€965k€1.18M▲
Operating profit (loss)9901€112k€119k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Debt charges650€2k€1k▼
Other financial charges652/9€4k€4k▲
Profit (loss) for the period before taxes9903€107k€114k▲
Income taxes67/77€37k€33k▼
Taxes670/3€37k€35k▼
Tax adjustments and reversals of tax provisions77-€2k
Profit (loss) for the period9904€70k€81k▲
Profit (loss) for the period to be appropriated9905€70k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€646k€628k▼
Profit (loss) brought forward from the previous period14P€576k€546k▼
Profit to be distributed694/7€100k€80k▼
Return on contributions (dividend)694€100k€80k▼
Social balance
Average headcount (FTE)908710.39.8▼
The notes to these accounts (49 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €9.84M | €12.41M | €12.30M | €11.70M | €10.40M | ▼ 11.2% |
| Turnover70 | €9.80M | €12.23M | €12.22M | €11.61M | €10.23M | ▼ 11.9% |
| Change in stocks of work in progress, finished goods and contracts in progress71 | - | €976 | €2k | - | - | - |
| Other operating income74 | €41k | €180k | €80k | €87k | €168k | ▲ 93.6% |
| Operating charges60/66A | €9.75M | €12.32M | €12.20M | €11.59M | €10.28M | ▼ 11.3% |
| Goods for resale, raw materials and consumables60 | €6.41M | €8.39M | €8.18M | €7.53M | €6.13M | ▼ 18.6% |
| Purchases600/8 | €6.45M | €8.45M | €8.18M | €7.52M | €6.11M | ▼ 18.8% |
| Change in stocks: decrease (increase)609 | €-35k | €-62k | €4k | €4k | €13k | ▲ 229% |
| Services and other goods61 | €1.59M | €1.85M | €1.88M | €1.91M | €1.93M | ▲ 1.2% |
| Remuneration, social security and pensions62 | €591k | €725k | €828k | €861k | €871k | ▲ 1.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €347k | €337k | €343k | €330k | €226k | ▼ 31.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €49k | - | - | €-52k | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €-700 | - | - | - | - |
| Other operating charges640/8 | €809k | €966k | €963k | €965k | €1.18M | ▲ 22.0% |
| Operating profit (loss)9901 | €85k | €90k | €104k | €112k | €119k | ▲ 6.2% |
| Financial charges65/66B | €3k | €5k | €5k | €5k | €5k | ▼ 9.8% |
| Recurring financial charges65 | €3k | €5k | €5k | €5k | €5k | ▼ 9.8% |
| Debt charges650 | €840 | €3k | €2k | €2k | €1k | ▼ 33.2% |
| Other financial charges652/9 | €3k | €2k | €3k | €4k | €4k | ▲ 1.1% |
| Profit (loss) for the period before taxes9903 | €81k | €85k | €98k | €107k | €114k | ▲ 7.0% |
| Income taxes67/77 | €24k | €26k | €34k | €37k | €33k | ▼ 10.3% |
| Taxes670/3 | €24k | €26k | €34k | €37k | €35k | ▼ 4.2% |
| Tax adjustments and reversals of tax provisions77 | - | - | - | - | €2k | - |
| Profit (loss) for the period9904 | €57k | €59k | €64k | €70k | €81k | ▲ 15.9% |
| Profit (loss) for the period to be appropriated9905 | €57k | €59k | €64k | €70k | €81k | ▲ 15.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.08M | €5.37M | €5.28M | €5.63M | €5.20M | ▼ 7.7% |
| Fixed assets21/28 | €1.57M | €1.50M | €1.24M | €914k | €706k | ▼ 22.8% |
| Tangible fixed assets22/27 | €1.57M | €1.50M | €1.24M | €914k | €706k | ▼ 22.8% |
| Plant, machinery and equipment23 | €1.19M | €947k | €1.09M | €816k | €655k | ▼ 19.7% |
| Leasing and similar rights25 | €267k | €208k | €148k | €89k | €30k | ▼ 66.7% |
| Assets under construction and advance payments27 | €116k | €342k | €9k | €9k | €21k | ▲ 123% |
| Financial fixed assets28 | €372 | €372 | €372 | €200 | €200 | = |
| Other financial fixed assets284/8 | €372 | €372 | €372 | €200 | €200 | = |
| Amounts receivable and cash guarantees285/8 | €372 | €372 | €372 | €200 | €200 | = |
| Current assets29/58 | €3.51M | €3.87M | €4.04M | €4.72M | €4.49M | ▼ 4.8% |
| Stocks and contracts in progress3 | €651k | €714k | €711k | €707k | €694k | ▼ 1.9% |
| Stocks30/36 | €651k | €714k | €711k | €707k | €694k | ▼ 1.9% |
| Raw materials and consumables30/31 | €650k | €712k | €709k | €704k | €691k | ▼ 1.9% |
| Finished goods33 | - | €976 | €3k | €3k | €3k | = |
| Goods purchased for resale34 | €2k | €1k | - | €494 | €302 | ▼ 38.8% |
| Amounts receivable within one year40/41 | €2.85M | €1.43M | €2.06M | €3.24M | €2.37M | ▼ 26.9% |
| Trade receivables40 | €2.63M | €1.29M | €2.01M | €3.22M | €2.37M | ▼ 26.3% |
| Other amounts receivable41 | €223k | €141k | €46k | €25k | - | - |
| Cash at bank and in hand54/58 | €4k | €1.73M | €1.27M | €769k | €1.43M | ▲ 85.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.08M | €5.37M | €5.28M | €5.63M | €5.20M | ▼ 7.7% |
| Equity10/15 | €1.41M | €1.40M | €1.40M | €1.37M | €1.37M | ▲ 0.1% |
| Contributions10/11 | €750k | €750k | €750k | €750k | €750k | = |
| Capital10 | €750k | €750k | €750k | €750k | €750k | = |
| Issued capital100 | €750k | €750k | €750k | €750k | €750k | = |
| Reserves13 | €70k | €73k | €75k | €75k | €75k | = |
| Non-distributable reserves130/1 | €70k | €73k | €75k | €75k | €75k | = |
| Legal reserve130 | €70k | €73k | €75k | €75k | €75k | = |
| Profit (loss) carried forward14 | €593k | €581k | €576k | €546k | €548k | ▲ 0.2% |
| Provisions and deferred taxes16 | €700 | - | - | - | - | - |
| Provisions for liabilities and charges160/5 | €700 | - | - | - | - | - |
| Other liabilities and charges164/5 | €700 | - | - | - | - | - |
| Amounts payable17/49 | €3.67M | €3.97M | €3.88M | €4.26M | €3.82M | ▼ 10.2% |
| Amounts payable after more than one year17 | €369k | €323k | €272k | €215k | €169k | ▼ 21.1% |
| Financial debts170/4 | €224k | €165k | €105k | €45k | - | - |
| Leasing and similar obligations172 | €224k | €165k | €105k | €45k | - | - |
| Trade debts175 | €101k | €114k | €122k | €124k | €124k | = |
| Suppliers1750 | €101k | €114k | €122k | €124k | €124k | = |
| Other amounts payable178/9 | €45k | €45k | €45k | €45k | €45k | = |
| Amounts payable within one year42/48 | €3.19M | €3.42M | €3.40M | €4.00M | €3.61M | ▼ 9.7% |
| Current portion of amounts payable after more than one year42 | €58k | €59k | €59k | €60k | €45k | ▼ 24.4% |
| Trade debts44 | €2.00M | €2.40M | €2.25M | €2.73M | €2.30M | ▼ 15.9% |
| Suppliers440/4 | €2.00M | €2.40M | €2.25M | €2.73M | €2.30M | ▼ 15.9% |
| Taxes, remuneration and social security45 | €113k | €127k | €133k | €145k | €130k | ▼ 10.0% |
| Taxes450/3 | €18k | €14k | €15k | €23k | €23k | ▲ 1.6% |
| Remuneration and social security454/9 | €95k | €114k | €119k | €122k | €107k | ▼ 12.2% |
| Other amounts payable47/48 | €1.02M | €832k | €953k | €1.06M | €1.13M | ▲ 6.9% |
| Accrued charges and deferred income492/3 | €113k | €220k | €212k | €50k | €49k | ▼ 0.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €57k | €59k | €64k | €70k | €81k | ▲ 15.9% |
| + Depreciation and write-downs630 | €347k | €337k | €343k | €330k | €226k | ▼ 31.6% |
| Operating cash flow (approximation) | €404k | €396k | €407k | €400k | €307k | ▼ 23.3% |
| Investment in fixed assets (approximation) | - | €-260k | €-90k | €172 | €-17k | ▼ 10,229% |
| Change in cash | - | €1.72M | €-455k | €-503k | €660k | ▲ 231% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €81k ▲15.9%
Operating result €119k, net result €81k, both a record.
18-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €57k ▼22.3%
Net result drops to €57k, the lowest in the series; recovery starts the following year.
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
15-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 16 acts read
About the unread acts
We know of 16 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
16 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, Tournai · 1 establishment unit since 1994
Ground area
8,414 m²
Building footprint
1,015 m²
Parcel 57033B0413/00B002, Wallonia. Linked by address, not a title deed.
1 establishment unit
SCREDEMA
since 19942.066.504.628
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57033B0413/00B002 | Wallonia | 8,414 m² | 1 · 1,014 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Identification & contact
Identification
Legal formPublic limited company
Founded10-03-1994
Fiscal year end31-12
Activities, NACEBEL 2025
23990Manufacture of other non-metallic mineral products
46831Wholesale of construction materials, general range
Scores and ratios are computed by Checked and are not a credit decision.