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SCTDH

Active
Private limited companyfounded 20206 yrs activeRue du Progrès 18, 4821 Dison, BelgiumKBO/BCE: BE 0748.574.437
Summary

The computed 12-month bankruptcy probability of SCTDH is 4.8% (elevated). The 2025 annual accounts show negative equity (-€1.2m) and a net result of -€1.3m. Equity is shrinking by ~13.4% per year across the filed fiscal years. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability0▼-17
Solvency0▼-31
Growth32=
Track record100
Bankruptcy probability, 12 months
4.8% Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.27 against 0.95 in 2024; short-term debt: 371.7% and cash: 0.1% of total assets), and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 6 years 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
-271.7%
Return on assets
-296.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
202122232425
2020 to 2025 · latest year -€1.2m
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 02-07-2026, 29 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
29 d early
2024
336 d late
2023
701 d late
2022
35 d early
2021
31 d early
2020
4 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 156 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 2 July (4 of the last 5 filed years within 365 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

SCTDH was incorporated on 15 June 2020 as a Private limited company.1 The registered office was moved to Dison in 2026.2 Total assets fell from EUR 1 million in 2020 to EUR 431,314 in 2025.3

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 19-03-2026
  3. 3National Bank, annual accounts 2020 and 2025

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Financials · fiscal year 2025, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€1.3m▼ 6,812%
2024 · -€18,522
Working capital
-€1.2m▼ 1,331%
2024 · -€82,072
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€2,127▲ 45.1%-€495▲ 76.7%-€1,568▼ 217%-€1,401▲ 10.7%-€1.1m▼ 76,087%
Net result-€20,185▼ 140%-€20,591▼ 2.0%-€24,161▼ 17.3%-€18,522▲ 23.3%-€1.3m▼ 6,812%
Equity€171,404▼ 10.5%€150,813▼ 12.0%€126,652▼ 16.0%€108,130▼ 14.6%-€1.2m
Total assets€1.3m▲ 23.2%€1.4m▲ 11.0%€1.3m▼ 11.3%€1.7m▲ 35.6%€431,314▼ 74.8%
Debt€1.1m▲ 30.9%€1.3m▲ 14.6%€1.1m▼ 10.8%€1.6m▲ 41.2%€1.6m=
Working capital€293,373▼ 31.1%€353,050▲ 20.3%€115,733▼ 67.2%-€82,072-€1.2m▼ 1,331%
Result per fiscal year
Operating resultNet result
-€1.5m-€1.0m-€500,000€0Operating result 2021: -€2,127-€2,127Net result 2021: -€20,185-€20,185Operating result 2022: -€495-€495Net result 2022: -€20,591-€20,591Operating result 2023: -€1,568-€1,568Net result 2023: -€24,161-€24,161Operating result 2024: -€1,401-€1,401Net result 2024: -€18,522-€18,522Operating result 2025: -€1.1m-€1.1mNet result 2025: -€1.3m-€1.3m20212022202320242025-€1.5m-€1m-€500,000€0Operating result 2023: -€1,568-€1,570Net result 2023: -€24,161-€24,200Operating result 2024: -€1,401-€1,400Net result 2024: -€18,522-€18,500Operating result 2025: -€1.1m-€1.1mNet result 2025: -€1.3m-€1.3m202320242025
The operating result stays negative: a loss of €1.1m in 2025 against €1,401 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €431,314
Fixed assets €2,000 ▼ 98.9%
Current assets €429,314 ▼ 71.8%
Key figures and ratios
2025 value · change against 2024
EBITDA
-€1.1m▼
2024 · -€982
Cash flow
-€1.3m▼
2024 · -€18,103
Solvency
-271.7%▼
2024 · 6.3%
Current ratio
0.27▼
2024 · 0.95
Debt to equity
-1.37▼
2024 · 14.83
ROA
-296.8%▼
2024 · -1.1%
Interest coverage
-15.68▼
2024 · -0.02
Debt ≤ 1 year
€1.6m=
2024 · €1.6m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,010 companies that looked in July 2024 the way this one looks now, 7.9% went bankrupt within 24 months and 83% are still going.

  • Micro
  • 5 to 10 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
7.9% went bankrupt
8.4% stopped otherwise
83% still going

A further 0.8% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 4.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,010 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.7m€431,314▼
Formation expenses20€174-
Fixed assets21/28€190,028€2,000▼
Financial fixed assets28€190,028€2,000▼
Current assets29/58€1.5m€429,314▼
Amounts receivable after more than one year29€650,000-
Other amounts receivable291€650,000-
Amounts receivable within one year40/41€331,895€429,019▲
Other amounts receivable41€331,895€429,019▲
Cash at bank and in hand54/58€539,607€295▼
Equity and liabilities
Total equity and liabilities10/49€1.7m€431,314▼
Equity10/15€108,130-€1.2m▼
Contributions10/11€200,000€200,000=
Profit (loss) carried forward14-€91,870-€1.4m▼
Amounts payable17/49€1.6m€1.6m=
Amounts payable within one year42/48€1.6m€1.6m=
Current portion of amounts payable after more than one year42€1.6m€1.5m▼
Trade debts44€449-
Suppliers440/4€449-
Other amounts payable47/48€41,725€80,916▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€419€174▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€990,160
Other operating charges640/8€982€1,162▲
Gross operating margin9900--€75,534
Operating profit (loss)9901-€1,401-€1.1m▼
Financial income75/76B€34,385€42,889▲
Recurring financial income75€34,385€42,889▲
Financial charges65/66B€51,506€256,082▲
Recurring financial charges65€51,506€68,055▲
Non-recurring financial charges66B-€188,028
Profit (loss) for the period before taxes9903-€18,522-€1.3m▼
Profit (loss) for the period9904-€18,522-€1.3m▼
Profit (loss) for the period to be appropriated9905-€18,522-€1.3m▼
Appropriation of the result
Profit (loss) to be appropriated9906-€91,870-€1.4m▼
Profit (loss) brought forward from the previous period14P-€73,348-€91,870▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€419€419€419€419€174▼ 58.3%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4----€990,160-
Other operating charges640/8€797-€868€982€1,162▲ 18.4%
Gross operating margin9900-€912-€76-€282--€75,534-
Operating profit (loss)9901-€2,127-€495-€1,568-€1,401-€1.1m▼ 76,087%
Financial income75/76B€44,880€49,585€50,475€34,385€42,889▲ 24.7%
Recurring financial income75€44,880€49,585€50,475€34,385€42,889▲ 24.7%
Financial charges65/66B€62,938€69,681€73,068€51,506€256,082▲ 397%
Recurring financial charges65€62,938€69,681€73,068€51,506€68,055▲ 32.1%
Non-recurring financial charges66B----€188,028-
Profit (loss) for the period before taxes9903-€20,185-€20,591-€24,161-€18,522-€1.3m▼ 6,812%
Profit (loss) for the period9904-€20,185-€20,591-€24,161-€18,522-€1.3m▼ 6,812%
Profit (loss) for the period to be appropriated9905-€20,185-€20,591-€24,161-€18,522-€1.3m▼ 6,812%
Line20212022202320242025Change
Assets
Total assets20/58€1.3m€1.4m€1.3m€1.7m€431,314▼ 74.8%
Formation expenses20€1,431€1,012€593€174--
Fixed assets21/28€190,028€190,028€190,028€190,028€2,000▼ 98.9%
Financial fixed assets28€190,028€190,028€190,028€190,028€2,000▼ 98.9%
Current assets29/58€1.1m€1.2m€1.1m€1.5m€429,314▼ 71.8%
Amounts receivable after more than one year29€650,000€650,000€650,000€650,000--
Other amounts receivable291€650,000€650,000€650,000€650,000--
Amounts receivable within one year40/41€437,374€578,732€421,178€331,895€429,019▲ 29.3%
Other amounts receivable41€437,374€578,732€421,178€331,895€429,019▲ 29.3%
Cash at bank and in hand54/58€3,244€3,919€703€539,607€295▼ 99.9%
Equity and liabilities
Total equity and liabilities10/49€1.3m€1.4m€1.3m€1.7m€431,314▼ 74.8%
Equity10/15€171,404€150,813€126,652€108,130-€1.2m▼ 1,184%
Contributions10/11€200,000€200,000€200,000€200,000€200,000=
Profit (loss) carried forward14-€28,596-€49,187-€73,348-€91,870-€1.4m▼ 1,394%
Amounts payable17/49€1.1m€1.3m€1.1m€1.6m€1.6m=
Amounts payable after more than one year17€313,428€393,277€179,702---
Financial debts170/4€313,428€393,277€179,702---
Amounts payable within one year42/48€797,245€879,600€956,148€1.6m€1.6m=
Current portion of amounts payable after more than one year42€768,833€845,151€951,698€1.6m€1.5m▼ 2.5%
Trade debts44€2,264€449€449€449--
Suppliers440/4€2,264€449€449€449--
Other amounts payable47/48€26,148€34,000€4,000€41,725€80,916▲ 93.9%
Line20212022202320242025Change
Profit (loss) for the period9904-€20,185-€20,591-€24,161-€18,522-€1.3m▼ 6,812%
+ Depreciation and write-downs630€419€419€419€419€174▼ 58.3%
Operating cash flow (approximation)-€19,766-€20,172-€23,742-€18,103-€1.3m▼ 6,971%
Investment in fixed assets (approximation)--€419-€419-€419€187,853▲ 44,942%
Change in cash-€675-€3,216€538,904-€539,312▼ 200%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
02-07
NBB filing Annual accounts filed
fiscal year 2025 · full schema
02-07
NBB filing Annual accounts filed
fiscal year 2024 · full schema · 336 days late
02-07
NBB filing Annual accounts filed
fiscal year 2023 · full schema · 701 days late
19-03
State Gazette act Registered office
Registered-office move2 facts ▸
  • General meeting, 19/01/2026
  • Registered-office move, Rue du Progrès 18, 4821 DISON
2025
31-12
Financial Weakest financial yearnet -€1.3m
Net result drops to -€1.3m, the lowest in the series.
2023
26-06
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
27-07
NBB filing Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts

Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Dison
approximate (street level) On OpenStreetMap
Ground area
2,868 m²
Building footprint
330 m²
Volume, LiDAR
1,506 m³
Parcel 63002A0109/00E000, Wallonia · tallest building 5.9 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63002A0109/00E000 Wallonia 2,868 m² 1 · 330 m² 5.9 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 holding

Owners 0

No owner stated in the accounts, acts or LEI register we read.

Holdings 1

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Identification & contact

Identification
Legal formPrivate limited company
Founded15-06-2020
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.