SCTDH
ActiveSummary
The computed 12-month bankruptcy probability of SCTDH is 4.8% (elevated). The 2025 annual accounts show negative equity (€-1.17M) and a net result of €-1.28M. 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
13
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
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.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 · 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 2025Solvency, return and age of the figures
Solvency
-271.7%
Return on assets
-296.8%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-1.17M
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 filingsDeviation 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 →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-1.28M▼ 6,812%
2024 · €-19k
2020: €-8k
2021: €-20k
2022: €-21k
2023: €-24k
2024: €-19k
2020 → 2025
Working capital
€-1.17M▼ 1,331%
2024 · €-82k
2020: €426k
2021: €293k
2022: €353k
2023: €116k
2024: €-82k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€171k-€151k▼ 12.0%€127k▼ 16.0%€108k▼ 14.6%€-1.17M
Operating result€-2k-€-495▲ 76.7%€-2k▼ 217%€-1k▲ 10.7%€-1.07M▼ 76,087%
Net result€-20k-€-21k▼ 2.0%€-24k▼ 17.3%€-19k▲ 23.3%€-1.28M▼ 6,812%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1.07M in 2025 against €1k 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 €431k
Fixed assets
€2k ▼ 98.9%
Current assets
€429k ▼ 71.8%
Key figures and ratios
EBITDA
€-1.07M▼
2024 · €-982
Cash flow
€-1.28M▼
2024 · €-18k
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
€1.60M=
2024 · €1.60M
Debt ≤ 1 year
€1.60M=
2024 · €1.60M
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 · 2025 against 2024 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.71M€431k▼
Formation expenses20€174-
Fixed assets21/28€190k€2k▼
Financial fixed assets28€190k€2k▼
Current assets29/58€1.52M€429k▼
Amounts receivable after more than one year29€650k-
Other amounts receivable291€650k-
Amounts receivable within one year40/41€332k€429k▲
Other amounts receivable41€332k€429k▲
Cash at bank and in hand54/58€540k€295▼
Equity and liabilities
Total equity and liabilities10/49€1.71M€431k▼
Equity10/15€108k€-1.17M▼
Contributions10/11€200k€200k=
Profit (loss) carried forward14€-92k€-1.37M▼
Amounts payable17/49€1.60M€1.60M=
Amounts payable within one year42/48€1.60M€1.60M=
Current portion of amounts payable after more than one year42€1.56M€1.52M▼
Trade debts44€449-
Suppliers440/4€449-
Other amounts payable47/48€42k€81k▲
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-€990k
Other operating charges640/8€982€1k▲
Gross operating margin9900-€-76k
Operating profit (loss)9901€-1k€-1.07M▼
Financial income75/76B€34k€43k▲
Recurring financial income75€34k€43k▲
Financial charges65/66B€52k€256k▲
Recurring financial charges65€52k€68k▲
Non-recurring financial charges66B-€188k
Profit (loss) for the period before taxes9903€-19k€-1.28M▼
Profit (loss) for the period9904€-19k€-1.28M▼
Profit (loss) for the period to be appropriated9905€-19k€-1.28M▼
Appropriation of the result
Profit (loss) to be appropriated9906€-92k€-1.37M▼
Profit (loss) brought forward from the previous period14P€-73k€-92k▼
The notes to these accounts (5 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
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 officeRegistered-office move2 facts ▸
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 €-1.28M
Net result drops to €-1.28M, 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.
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
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.
Rue du Progrès 184821 DisonGround 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
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-06-2020
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.