Scruber
ActiveScruber has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186k and a net result of €29k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 71% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
88
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-19
Solvency98▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.42 against 2.15 in 2024), and 41.1% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
58.9%
Return on assets
9.2%
Age of the figures
8 mo
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 28-05-2026, 64 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
64 d early
2024
94 d early
2023
29 d early
2022
12 d early
2021
11 d late
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€186k▲ 18.6%
2024 · €157k
2021: €99k
2022: €124k
2023: €126k
2024: €157k
2021 → 2025
Total assets
€316k▲ 9.9%
2024 · €288k
2021: €287k
2022: €318k
2023: €241k
2024: €288k
2021 → 2025
Net result
€29k▼ 4.4%
2024 · €30k
2021: €79k
2022: €26k
2023: €2k
2024: €30k
2021 → 2025
Working capital
€173k▲ 23.5%
2024 · €140k
2021: €49k
2022: €86k
2023: €98k
2024: €140k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€99k-€124k▲ 25.9%€126k▲ 1.7%€157k▲ 24.1%€186k▲ 18.6%
Operating result€93k-€35k▼ 62.7%€4k▼ 87.8%€45k▲ 977%€46k▲ 0.4%
Net result€79k-€26k▼ 67.5%€2k▼ 92.0%€30k▲ 1,384%€29k▼ 4.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €316k
Fixed assets
€20k▼ 18.8%
Current assets
€296k▲ 12.6%
Equity and liabilities €316k
Equity
€186k▲ 18.6%
Debt
€130k▼ 0.6%
The debt ratio falls from 45.4% to 41.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€56k▼
2024 · €56k
Cash flow
€39k▼
2024 · €42k
Solvency
58.9%▲
2024 · 54.6%
Current ratio
2.42▲
2024 · 2.15
Quick ratio
0.94▲
2024 · 0.67
Debt / equity
0.70▼
2024 · 0.83
ROE
15.7%▼
2024 · 19.4%
ROA
9.2%▼
2024 · 10.6%
Interest coverage
6.96▲
2024 · 6.56
Debt
€130k▼
2024 · €131k
Debt ≤ 1 year
€122k=
2024 · €122k
Income taxes
€10k▲
2024 · €8k
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€288k€316k▲
Fixed assets21/28€25k€20k▼
Intangible fixed assets21€7k€1k▼
Tangible fixed assets22/27€18k€19k▲
Plant, machinery and equipment23€12k€11k▼
Furniture and vehicles24€0€2k▲
Other tangible fixed assets26€6k€5k▼
Current assets29/58€263k€296k▲
Stocks and contracts in progress3€181k€180k▼
Stocks30/36€181k€180k▼
Amounts receivable within one year40/41€4k€19k▲
Trade receivables40€1k€19k▲
Other amounts receivable41€3k€286▼
Cash at bank and in hand54/58€77k€97k▲
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€288k€316k▲
Equity10/15€157k€186k▲
Contributions10/11€20k€20k=
Reserves13€137k€166k▲
Distributable reserves133€137k€166k▲
Amounts payable17/49€131k€130k▼
Amounts payable after more than one year17€0-
Advances received on contracts in progress176€0-
Amounts payable within one year42/48€122k€122k=
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€8k€11k▲
Other amounts payable47/48€107k€104k▼
Accrued charges and deferred income492/3€8k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€915€1k▲
Gross operating margin9900€57k€57k▼
Operating profit (loss)9901€45k€46k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€39k€39k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€30k€29k▼
Profit (loss) for the period to be appropriated9905€30k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€29k▼
Transfer to equity691/2€30k€29k▼
To other reserves6921€30k€29k▼
The notes to these accounts (15 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €157k ▲24.1%
4 profitable years in a row build equity to €157k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €2k ▼92%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €124k ▲25.9%
2 profitable years in a row build equity to €124k.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Koksijde · 1 establishment unit since 2020
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.
Zonnige Urenlaan(Kok) 48670 KoksijdeGround area
967 m²
Building footprint
293 m²
Volume, LiDAR
2,427 m³
2 parcels, Flanders · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Scruber
since 20202.303.441.083
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38014D0726/00T000 | Flanders | 788 m² | 1 · 136 m² | 8.5 m · 1 fl. |
| 38342G0590/00_000 | Flanders | 179 m² | 1 · 156 m² | 19.6 m · 5 fl. |
Linked by address, not proof of ownership
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 2,003 companies in sector 47770 we hold annual accounts for 892. 702 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-06-2020
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
95250Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.