Financials
- Fiscal year
- 2024
- Total assets
- €39,996
- Profit
- €1,332
- Solvency
- -69.9%
Total assets▼ 17.2%
Net result
20182024
Scruples 'Life
ActiveSummary
The computed 12-month bankruptcy probability of Scruples 'Life is 2.0% (moderate). The 2024 annual accounts show negative equity (-€27,967) and a net result of €1,332. Equity is growing by ~15.5% per year across the filed fiscal years. The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Retail sale of women's outerwear
NACE 47711
1 site
Size
€39,996total assets 2024
- Equity
- -€27,967
- Profit
- €1,332
Turnover not published (abridged schema)
Structure
Accounts 35 d early0 of 3 deeds read
Why 52- Figures for FY 2024 (filed 08-08-2025)- Sector Retail trade (NACE 47)+ Size: total assets €39,996+ Founded in 1993Show the evidence
Checked score
Score 2024
52
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 26% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Weak
Solvency
0=
equity -69.9% of total assets
Liquidity
12+7
short-term debt 166.6% · cash 9.3%
Profitability
46-54
return on assets 3.3%
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 15 months
08-2025: 1.5%
09-2025: 0.7%▼ -53.3% vs 08-2025lowest value
10-2025: 0.7%● 0.0% vs 09-2025lowest value
11-2025: 0.8%▲ +8.1% vs 10-2025
12-2025: 0.8%● 0.0% vs 11-2025
01-2026: 0.8%▼ -1.0% vs 12-2025
02-2026: 0.8%▲ +6.0% vs 01-2026
03-2026: 0.8%▲ +0.9% vs 02-2026
04-2026: 0.8%▲ +0.2% vs 03-2026
05-2026: 0.8%▲ +0.9% vs 04-2026
06-2026: 0.8%▼ -1.1% vs 05-2026
07-2026: 0.9%▲ +16.7% vs 06-2026
08-2026: 1.5%▲ +59.2% vs 07-2026
09-2026: 1.7%▲ +14.4% vs 08-2026
10-2026: 2.0%▲ +19.4% vs 09-2026highest value
- Figures for FY 2024 (filed 08-08-2025) raises the probability
- Sector Retail trade (NACE 47) raises the probability
- Size: total assets €39,996 lowers the probability for this profile
- Founded in 1993 lowers the probability for this profile
No credit on open account
Liquidity short (current ratio 0.57 against 0.61 in 2023; short-term debt: 166.6% and cash: 9.3% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 6%, liquidity 12%, profitability 34%, growth against the median 50%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
8 d late
2023
25 d late
2022
30 d late
2021
29 d late
2020
31 d early
2019
27 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 26 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-07-2027
- 26-06-2026Annual accounts filed
- 08-08-2025Annual accounts filed
- 25-08-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of women's outerwearNACE 47711
- Founded
- 20-08-1993
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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