SCRUPLES
ActiveSummary
SCRUPLES has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €43k and a net result of €18k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 65% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability95▲+73
Solvency75▼-5
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.19 in 2023; short-term debt: 50.2% and cash: 49.9% of total assets), and 50.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
49.8%
Return on assets
21.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-07-2025, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
10 d early
2023
66 d late
2022
46 d late
2021
117 d late
2020
31 d late
2019
41 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€43k▲ 61.3%
2023 · €26k
2018: €28k
2019: €29k
2020: €28k
2021: €29k
2022: €32k
2023: €26k
2018 → 2024
Total assets
€86k▲ 76.8%
2023 · €48k
2018: €78k
2019: €68k
2020: €57k
2021: €59k
2022: €53k
2023: €48k
2018 → 2024
Net result
€18k
2023 · €-6k
2018: €-6k
2019: €616
2020: €-673
2021: €1k
2022: €3k
2023: €-6k
2018 → 2024
Working capital
€12k▲ 196%
2023 · €4k
2018: €9k
2019: €12k
2020: €12k
2021: €9k
2022: €17k
2023: €4k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€28k-€29k▲ 3.6%€32k▲ 10.1%€26k▼ 18.1%€43k▲ 61.3%
Operating result€389-€2k▲ 415%€4k▲ 85.7%€-4k€23k
Net result€-673-€1k€3k▲ 190%€-6k€18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €23k after a loss of €4k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €86k
Fixed assets
€31k ▲ 36.7%
Current assets
€55k ▲ 111%
Equity and liabilities €86k
Equity
€43k ▲ 61.3%
Debt
€43k ▲ 95.4%
Debt's share of the balance-sheet total rises from 45.4% to 50.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▲
2023 · €4k
Cash flow
€25k▲
2023 · €2k
Current ratio
1.28▲
2023 · 1.19
Debt to equity
1.01▲
2023 · 0.83
ROE
42.8%▲
2023 · -22.1%
ROA
21.3%▲
2023 · -12.0%
Interest coverage
11.57▲
2023 · 2.14
Debt ≤ 1 year
€43k▲
2023 · €22k
Income taxes
€2k
Staff costs
€67k▲
2023 · €58k
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 · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€48k€86k▲
Fixed assets21/28€22k€31k▲
Tangible fixed assets22/27€16k€25k▲
Plant, machinery and equipment23€15k€24k▲
Furniture and vehicles24€1k€466▼
Other tangible fixed assets26€400€320▼
Financial fixed assets28€6k€6k=
Current assets29/58€26k€55k▲
Amounts receivable within one year40/41€15k€12k▼
Other amounts receivable41€15k€12k▼
Cash at bank and in hand54/58€9k€43k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€48k€86k▲
Equity10/15€26k€43k▲
Contributions10/11€19k€19k=
Reserves13€13k€26k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€11k€24k▲
Profit (loss) carried forward14€-5k€-2k▲
Amounts payable17/49€22k€43k▲
Amounts payable within one year42/48€22k€43k▲
Trade debts44€847€1k▲
Suppliers440/4€847€1k▲
Taxes, remuneration and social security45€12k€26k▲
Taxes450/3-€11k
Remuneration and social security454/9€12k€15k▲
Other amounts payable47/48€10k€16k▲
Income statement
Code20232024
Remuneration, social security and pensions62€58k€67k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€6k€900▼
Gross operating margin9900€67k€97k▲
Operating profit (loss)9901€-4k€23k▲
Financial income75/76B€35€52▲
Recurring financial income75€35€52▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-6k€21k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€-6k€18k▲
Profit (loss) for the period to be appropriated9905€-6k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€13k▲
Profit (loss) brought forward from the previous period14P€707€-5k▼
Transfer to equity691/2-€13k
To other reserves6921-€13k
Profit to be distributed694/7-€2k
Employees696-€2k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
05-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 66 days late
2023
15-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 46 days late
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 117 days late
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
31-12
Financial
Back to profitnet €616
Net result €616 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 23 days late
Financial 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, Antwerpen · 1 establishment unit since 1980
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.
Mechelsesteenweg 101/1032018 AntwerpenGround area
285 m²
Building footprint
285 m²
Volume, LiDAR
3,662 m³
Parcel 11806F1422/00L003, Flanders · tallest building 19.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Mechelsesteenweg 101/103, 2018 Antwerpen
since 19802.018.182.493
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1422/00L003 | Flanders | 285 m² | 1 · 285 m² | 19.1 m · 5 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 949 companies in sector 47792 we hold annual accounts for 184. 128 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-1980
Fiscal year end31-12
Activities, NACEBEL 2025
47792Retail sale of second-hand clothing
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.