SCRIVENDO
Open bankruptcyA bankruptcy procedure is open for SCRIVENDO according to publications in the Belgian State Gazette; curator: VIRGINIE BAILLEUL. The 2024 annual accounts show equity of €30k and a net result of €-24k.
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
222324
2022 to 2024 · latest year €-24k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 37959 sector peers (2024).
NBB · sector comparisonPosition among 37959 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
41 d early
2022
44 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€30k▼ 44.6%
2023 · €55k
2022: €56k
2023: €55k
2022 → 2024
Total assets
€243k▲ 0.1%
2023 · €243k
2022: €66k
2023: €243k
2022 → 2024
Net result
€-24k▼ 2,189%
2023 · €-1k
2022: €55k
2023: €-1k
2022 → 2024
Working capital
€-68k▼ 89.9%
2023 · €-36k
2022: €52k
2023: €-36k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€56k-€55k▼ 1.9%€30k▼ 44.6%
Operating result€67k-€4k▼ 93.3%€-6k
Net result€55k-€-1k€-24k▼ 2,189%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €6k after €4k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €243k
Fixed assets
€182k▼ 6.5%
Current assets
€61k▲ 26.1%
Equity and liabilities €243k
Equity
€30k▼ 44.6%
Debt
€213k▲ 13.1%
The debt ratio rises from 77.4% to 87.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€12k▼
2023 · €19k
Cash flow
€-6k▼
2023 · €13k
Solvency
12.5%▼
2023 · 22.6%
Current ratio
0.47▼
2023 · 0.58
Quick ratio
0.47▼
2023 · 0.58
Debt / equity
7.00▲
2023 · 3.43
ROE
-80.6%▼
2023 · -1.9%
ROA
-10.1%▼
2023 · -0.4%
Interest coverage
0.70▼
2023 · 1.88
Debt
€213k▲
2023 · €188k
Debt ≤ 1 year
€129k▲
2023 · €85k
Debt > 1 year
€83k▼
2023 · €104k
Income taxes
€576▼
2023 · €813
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€243k€243k▲
Formation expenses20-€0
Fixed assets21/28€194k€182k▼
Tangible fixed assets22/27€183k€171k▼
Land and buildings22€178k€166k▼
Furniture and vehicles24€5k€5k▼
Financial fixed assets28€11k€11k=
Current assets29/58€49k€61k▲
Amounts receivable within one year40/41€47k€61k▲
Trade receivables40€14k€22k▲
Other amounts receivable41€33k€40k▲
Cash at bank and in hand54/58€109€0▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€243k€243k▲
Equity10/15€55k€30k▼
Contributions10/11€1k€1k=
Reserves13€54k€54k=
Distributable reserves133€54k€54k=
Profit (loss) carried forward14-€-24k
Amounts payable17/49€188k€213k▲
Amounts payable after more than one year17€104k€83k▼
Financial debts170/4€104k€83k▼
Amounts payable within one year42/48€85k€129k▲
Current portion of amounts payable after more than one year42€28k€34k▲
Financial debts43€386€17k▲
Credit institutions430/8€386€17k▲
Trade debts44€36k€49k▲
Suppliers440/4€36k€49k▲
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€19k€20k▲
Taxes450/3€19k€20k▲
Other amounts payable47/48-€10k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€19k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€22k€14k▼
Operating profit (loss)9901€4k€-6k▼
Financial income75/76B€5k-
Recurring financial income75€5k-
Financial charges65/66B€10k€18k▲
Recurring financial charges65€10k€18k▲
Profit (loss) for the period before taxes9903€-257€-24k▼
Income taxes67/77€813€576▼
Profit (loss) for the period9904€-1k€-24k▼
Profit (loss) for the period to be appropriated9905€-1k€-24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€-24k▼
Transfer from equity791/2€1k-
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
27-04
Bankruptcy
Opening
Ondernemingsrechtbank Gent, afdeling Kortrijk · SCRIVENDO BV KANAAL- STRAAT 7, 8770 INGELMUNSTER · event 21-04-2026
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 44 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ingelmunster · 1 establishment unit since 2021
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.
Kanaalstraat 78770 IngelmunsterGround area
569 m²
Building footprint
149 m²
Volume, LiDAR
581 m³
Parcel 36007C0717/00T000, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SCRIVENDO
since 20212.323.032.412
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007C0717/00T000 | Flanders | 569 m² | 1 · 149 m² | 6.2 m · 1 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | VIRGINIE BAILLEUL PRINSESSESTRAAT 103,
8870 IZEGEM |
21-04-2026 → present |
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 11,183 EUR awarded · 11,183 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,634 EUR | 2,634 EUR |
| 2023 | 1 | 5,579 EUR | 5,579 EUR |
| 2022 | 1 | 2,970 EUR | 2,970 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,700 companies in sector 70100 we hold annual accounts for 3,495. 1,808 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2021
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82190Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.