Equity
-€10,469
Debts exceed assets in financial year 2025.
SCRIBERE
Overview
Lifetime
2 annual accounts with figures on one time axispeak €17,218 (2025)
€17,218▲ 68.7%
lowest -€18,552 (2025)
-€18,552▼ €23,635
peak €8,083 (2024)
-€10,469▼ €18,552
€187,177▲ 255%
Board1 name since 2024
1 directorBACCUS Arthur Luc Marie Marc Ghislain
Documentsfilings and deeds
03-07-202628 days before the deadline
2025micro format
Gross margin from €10,207 to €17,218Loss of €18,552Equity from €8,083 to -€10,469Debts from €52,738 to €187,177Investments €154,615
Key points
from the 2025 annual accountsTurnover
≈ €100,000 estimated
The micro format states no turnover.
Debts
€187,177 106% of the balance sheet
Financial debts 82%Suppliers 2%Taxes and wages 5%Other 12%
Of this, €34,547 falls due within a year.
Investments
€154,339 4.7 × depreciation
Green is investment, beige is depreciation.
Liquidity
0.39 was 1.08 in 2024
Short-term debts rose from €17,782 to €34,547.
Position in the sector
-5.9%
Lower solvency than 95% of companies in legal and accounting. Sector median 56.8% · 15,828 companies.
Checked score
53
Fair
Financially stronger than 12% of micro companies in legal and accounting (NACE 69)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,104 companies (NACE 69, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
10-2025: < 0.1%lowest value
11-2025: < 0.1%● unchanged vs 10-2025lowest value
12-2025: < 0.1%● unchanged vs 11-2025lowest value
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
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 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026highest value
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€10,469
lowers risk
Sector: Legal and accounting activities (NACE 69)
Size: total assets €176,707
Figures for financial year 2025 (filed on 03-07-2026)
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 69, micro). It does better than 3% of them on solvency, 34% on liquidity, 13% on profitability and 0% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as SCRIBERE has now. Each dot stands for 20 companies, two years later.
84.7%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SCRIBERE itself is lower: 0.2% within 12 months. It rests on far more data about SCRIBERE than the profile alone.
Test of the method
The method was tested on the 497,447 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 7,639 companies, not a prediction for SCRIBERE. 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.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.39 (1.08 in 2024), below 1. Short-term debt is 19.6% and cash 6.3% of total assets. Equity is negative.
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
Seven signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€10,469
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 03-07-2026, 28 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
28 days early
2024
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 30 days before the deadline. In the sector (NACE 69), 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.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- BACCUS Arthur Luc Marie Marc Ghislain 300 sharesdeed of 26-09-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1014047106
Incorporation
Founding capital of €3,000, 300 shares · Founder: BACCUS Arthur Luc Marie Marc Ghislain · Appointment: BACCUS Arthur Luc Marie Marc Ghislain (director) · published on 26-09-2024 · Gazette deed
First establishment
Rue Ann-Sophie Charlier 19, Herve
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SCRIBERE Herve | €176,707 | €17,218 | -5.9% | - |
| Maten Oostkamp | €139,216 | €20,186 | 17.8% | - |
| CNTRCT Ghent | €145,349 | €21,768 | 35.6% | - |
| WECOMPLY Watermael-Boitsfort | €125,733 | €12,112 | 82.8% | - |
| GALEVIA Kraainem | €107,099 | €14,089 | 2.9% | - |
| ActaFiori Sint-Katelijne-Waver | €123,214 | €24,153 | 79.1% | - |
| MD Legal Consulting Antwerp | €189,351 | €13,495 | 94.5% | - |
These companies have the same main activity as SCRIBERE: other legal services (NACE 69109). They are comparable in size and age: total assets between €107,000 and €189,000, founded between 2022 and 2025.
Official details
Source: KBO- Status
- Active since 24-09-2024Normal situation
- Activity
- Other legal servicesNACE 69109
- Establishment unit
- 2.364.490.0144650 Herve, since 24-09-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 30-06-2025
Annual accounts 2025
- €17,218▲ 68.7%
- €18,552
- -€10,469
- €176,707▲ 191%
- Filing
- Filed on 03-07-2026, 28 days before the end of the filing period
Insights on SCRIBERE
The balance sheet grew most in 2025 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 03-07-2026, 28 days before the deadline€17,218
▲ 68.7%
-€15,754
▼ €22,960
-€18,552
▼ €23,635
-€21,071
▼ €22,558
-5.9%
▼ 19.2 percentage points
0.39
▼ 0.69
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €100,000. Estimated: probably between €56,000 and €230,000.
Balance sheet
balance sheet total €176,707 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
-5.9%
Lower than 95% of 15,828 companies in 2025.
0.39
Lower than 95% of 15,600 companies in 2025.
-10.5%
Lower than 95% of 15,717 companies in 2025.
SCRIBERE
Middle half of the sector
80% of the sector
Micro accounts in legal and accounting (NACE 69)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: middle half · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
176,707 | 60,821 | |
20 |
0 | 276 | |
21/28 |
163,232 | 41,276 | |
22/27 |
163,232 | 41,276 | |
22 |
131,407 | - | |
24 |
31,825 | 41,276 | |
29/58 |
13,476 | 19,268 | |
40/41 |
0 | 1,849 | |
41 |
0 | 1,849 | |
54/58 |
11,044 | 15,670 | |
490/1 |
2,431 | 1,749 | |
| Balance sheet: equity and liabilities | |||
10/49 |
176,707 | 60,821 | |
10/15 |
-10,469 | 8,083 | |
10/11 |
3,000 | 3,000 | |
14 |
-13,469 | 5,083 | |
17/49 |
187,177 | 52,738 | |
17 |
152,630 | 34,956 | |
170/4 |
152,630 | 34,956 | |
42/48 |
34,547 | 17,782 | |
42 |
12,326 | 8,429 | |
44 |
3,278 | 688 | |
440/4 |
3,278 | 688 | |
45 |
8,943 | 1,665 | |
450/3 |
8,943 | 1,665 | |
47/48 |
10,000 | 7,000 | |
| Income statement | |||
9900 |
17,218 | 10,207 | |
630 |
32,659 | 2,754 | |
640/8 |
312 | 247 | |
9901 |
-15,754 | 7,206 | |
65/66B |
2,631 | 458 | |
65 |
2,631 | 458 | |
9903 |
-18,385 | 6,748 | |
67/77 |
167 | 1,665 | |
9904 |
-18,552 | 5,083 | |
9905 |
-18,552 | 5,083 | |
| Appropriation of the result | |||
9906 |
-13,469 | 5,083 | |
14P |
5,083 | - | |
| Document | |||
The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 03-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 16,906 | 9,959 | ||
| 14,107 | 7,837 | ||
| 154,339 | 43,891 | ||
| -4,625 | - | ||
| -21,071 | 1,486 | ||
| -5.9% | 13.3% | ||
| 0.39 | 1.08 | ||
| - | 6.52 | ||
| - | 62.9% | ||
| -10.5% | 8.4% | ||
| 6.42 | 21.76 |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €154,339 | €43,891 |
| €32,659 | €2,754 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on SCRIBERE
The operating result for 2025 is a loss of €15,754, after a profit of €7,206 in 2024.
Equity is negative. Debt (€187,177) exceeds the balance-sheet total (€176,707).
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 26-09-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 03-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 12 : Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”deed of 26-09-2024
Mandates through the years
1 name, the dashed line is todayBACCUS Arthur Luc Marie Marc Ghislain
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BACCUS Arthur Luc Marie Marc Ghislain
- Director (not named in the articles), appointed by deed of 26-09-2024, still in office
Control
This company
SCRIBERE
Equity -€10,469
Loss €18,552 in 2025
Capital
- Contribution
- €3,000
- Shares
- 300
- Contribution per share
- €10
- Equity per share
- -€34.90 in 2025
- Source
- deed of 26-09-2024
Articles of association
deed of 26-09-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Daily managementDay-to-day management handles the everyday running of the business without the full board.
- The board decides whether the delegates act alone or jointly
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Saturday of June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 26-09-2024 ↗
- BACCUS Arthur Luc Marie Marc Ghislain 300 shares (100%) · €3,000 in cash
Network & group
No group
SCRIBERE has no parent and no holdings in its annual accounts. BACCUS Arthur Luc Marie Marc Ghislain is the only director. SCRIBERE shares no director with another company.
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 28 days before the deadline
2025
Annual accounts 2024 filed NBBmicro format · 31 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:1014047106
2024
IncorporationFounding capital of €3,000, 300 shares · Founder: BACCUS Arthur Luc Marie Marc Ghislain · Appointment: BACCUS Arthur Luc Marie Marc Ghislain (director) · published on 26-09-20247 points ▸
- Founder, BACCUS Arthur Luc Marie Marc Ghislain
- Founding capital, €3,000, 300 shares
- BACCUS Arthur Luc Marie Marc Ghislain holds all the shares
- Registered office clause, Rue Ann-Sophie Charlier 19, 4650 Herve
- Board rule, 1
- Director appointment, BACCUS Arthur Luc Marie Marc Ghislain (director (not named in the articles))
- Permanent representative, BACCUS Arthur Luc Marie Marc Ghislain
- The deed holds 4 more points.
First establishment Rue Ann-Sophie Charlier 19, Herve
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 24 September 2024, SCRIBERE was incorporated as a private limited company by one natural person, with a starting capital of €3,000.12 BACCUS Arthur Luc Marie Marc Ghislain is director of the company, appointed by deed of 26-09-2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1014.047.106
- VAT number
- BE 1014.047.106
- Peppol ID
- 0208:1014047106
- Other Peppol ID
- 9925:BE1014047106
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 24-09-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Saturday of June at 18:00deed of 26-09-2024 (in French)
- Meeting accessThe articles set who may attend the meeting and what is needed to be admitted.
- “Admission à l’assemblée générale, si seul le droit de vote est suspendu, il peut toujours participer à l’assemblée générale sans pouvoir…”deed of 26-09-2024 (in French)
- Voting ruleThe articles set which majority the meeting decides by, for example a simple or a special majority.
- “Délibérations, les décisions sont prises à la majorité des voix, quel que soit le nombre de titres représentés à l’assemblée générale, sauf…”deed of 26-09-2024 (in French)
- Peppol
- Reachable since 30-06-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SCRIBERE in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 26-09-2024 (in French)
Activities
NACEBEL 202569109
Other legal services main activity
Codes under NACEBEL 2008
69109
Other legal services main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes prestations de services, de conseils, dans les domaines juridiques, administratifs, immobiliers, informatiques, financiers…”deed of 26-09-2024 (in French)
12 activities
- Toutes prestations de services, de conseils, dans les domaines juridiques, administratifs, immobiliers, informatiques, financiers, techniques, commerciaux ;
- La fourniture de tous travaux juridiques, administratifs immobiliers, etc. ;
- La rédaction d’actes et de documents juridiques généralement quelconques ;
- L'activité d'intermédiaire et/ou de conseil et/ou de représentant, sous quelque forme que ce soit, dans les matières juridiques, immobilières, administratives, commerciales, financières, et autres, évoquées dans le présent objet social.
- Toute participation à l'administration et au conseil juridique, fiscal ou financier des sociétés et entreprises dans lesquelles elle est intéressée ou non.
- Toutes activités et opérations d'une société d'investissement et de holding.
- La société a également pour objet les investissements, la gestion et la valorisation d’un patrimoine immobilier, notamment par l’achat, de la pleine propriété ou de droits réels, la vente, la location, la mise en location, la construction, la transformation, le développement, le tout au sens le plus large.
- La société peut en outre faire, en recourant selon le cas, à l’association, au partenariat ou à la soustraitance de toutes entreprises titulaires des accès à la profession, agrégations ou enregistrements requis, toutes opérations mobilières, immobilières, économiques, industrielles, financières et autres se rapportant directement ou indirectement à son objet social, ou susceptibles de contribuer à son développement ;
- La société pourra, d'une façon générale, accomplir toutes opérations industrielles, économiques, financières, mobilières ou immobilières se rapportant directement ou indirectement à son objet social ou qui seraient de nature à en faciliter directement ou indirectement, entièrement ou partiellement, la réalisation.
- Elle pourra s'intéresser par voie d'apport, de fusion, de souscription ou de toute autre manière dans toutes affaires, entreprises, associations ou sociétés, en Belgique ou à l'étranger, ayant un objet identique, analogue ou connexe au sien ou qui soit de nature à favoriser le développement de son entreprise, à lui procurer des matières premières ou à faciliter l'écoulement de ses produits.
- La société peut se porter garant ou fournir des sûretés réelles pour des sociétés ou des personnes privées, au sens le plus large.
- Elle peut exercer les fonctions d’administrateur ou liquidateur dans d’autres sociétés.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue Ann-Sophie Charlier 19 registered office 4650 Herve | 24-09-2024 | 2.364.490.014 |