SCTM
ActiveSummary
SCTM has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €174k and a net result of €18k. Equity is growing by ~25.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 37953 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability57▼-14
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.06 against 4.66 in 2023; short-term debt: 24.6% and cash: 0% of total assets), and 24.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-08-2025, 8 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
8 d late
2023
92 d late
2022
71 d late
2021
60 d late
2020
89 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€174k▲ 11.3%
2023 · €156k
2020: €41klowest in 5 years
2021: €89k▲ +117% vs 2020
2022: €129k▲ +44.7% vs 2021
2023: €156k▲ +20.9% vs 2022
2024: €174k▲ +11.3% vs 2023highest in 5 years
2020 → 2024
Total assets
€231k▲ 16.0%
2023 · €199k
2020: €58klowest in 5 years
2021: €127k▲ +120% vs 2020
2022: €178k▲ +40.1% vs 2021
2023: €199k▲ +12.0% vs 2022
2024: €231k▲ +16.0% vs 2023highest in 5 years
2020 → 2024
Net result
€18k▼ 35.0%
2023 · €27k
2020: €36k
2021: €48k▲ +32.8% vs 2020highest in 5 years
2022: €40k▼ -17.1% vs 2021
2023: €27k▼ -32.2% vs 2022
2024: €18k▼ -35.0% vs 2023lowest in 5 years
2020 → 2024
Working capital
€174k▲ 11.3%
2023 · €156k
2020: €41klowest in 5 years
2021: €89k▲ +117% vs 2020
2022: €129k▲ +44.7% vs 2021
2023: €156k▲ +20.9% vs 2022
2024: €174k▲ +11.3% vs 2023highest in 5 years
2020 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€41k-€89k▲ 117%€129k▲ 44.7%€156k▲ 20.9%€174k▲ 11.3%
2020: €41klowest in 5 years
2021: €89k▲ +117% vs 2020
2022: €129k▲ +44.7% vs 2021
2023: €156k▲ +20.9% vs 2022
2024: €174k▲ +11.3% vs 2023highest in 5 years
Operating result€47k-€59k▲ 27.4%€46k▼ 22.7%€29k▼ 36.6%€17k▼ 40.2%
2020: €47k
2021: €59k▲ +27.4% vs 2020highest in 5 years
2022: €46k▼ -22.7% vs 2021
2023: €29k▼ -36.6% vs 2022
2024: €17k▼ -40.2% vs 2023lowest in 5 years
Net result€36k-€48k▲ 32.8%€40k▼ 17.1%€27k▼ 32.2%€18k▼ 35.0%
2020: €36k
2021: €48k▲ +32.8% vs 2020highest in 5 years
2022: €40k▼ -17.1% vs 2021
2023: €27k▼ -32.2% vs 2022
2024: €18k▼ -35.0% vs 2023lowest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 40% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €231k
Equity
€174k ▲ 11.3%
Debt
€57k ▲ 33.2%
Debt's share of the balance-sheet total rises from 21.4% to 24.6%. Equity and debt are higher.
Key figures and ratios
Current ratio
4.06▼
2023 · 4.66
Debt to equity
0.33▲
2023 · 0.27
ROE
10.1%▼
2023 · 17.3%
ROA
7.6%▼
2023 · 13.6%
Debt ≤ 1 year
€57k▲
2023 · €43k
Income taxes
€7k▼
2023 · €9k
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 · 34 lines
Balance sheet
Code20232024
Assets
Total assets20/58€199k€231k▲
Current assets29/58€199k€231k▲
Amounts receivable within one year40/41€193k€231k▲
Trade receivables40€14k€13k▼
Other amounts receivable41€179k€218k▲
Cash at bank and in hand54/58€3k€0▼
Deferred charges and accrued income490/1€3k€0▼
Equity and liabilities
Total equity and liabilities10/49€199k€231k▲
Equity10/15€156k€174k▲
Contributions10/11€5k€5k=
Reserves13€151k€169k▲
Distributable reserves133€151k€169k▲
Amounts payable17/49€43k€57k▲
Amounts payable within one year42/48€43k€57k▲
Financial debts43-€30k
Credit institutions430/8-€30k
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€37k€19k▼
Taxes450/3€37k€19k▼
Income statement
Code20232024
Other operating charges640/8€384€2k▲
Gross operating margin9900€29k€20k▼
Operating profit (loss)9901€29k€17k▼
Financial income75/76B€9k€12k▲
Recurring financial income75€9k€12k▲
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€36k€25k▼
Income taxes67/77€9k€7k▼
Profit (loss) for the period9904€27k€18k▼
Profit (loss) for the period to be appropriated9905€27k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€18k▼
Transfer to equity691/2€27k€18k▼
To other reserves6921€27k€18k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0 | - | - | - | - | - |
| Other operating charges640/8 | - | €124 | €3k | €384 | €2k | ▲ 533% |
| Gross operating margin9900 | €47k | €60k | €49k | €29k | €20k | ▼ 32.7% |
| Operating profit (loss)9901 | €47k | €59k | €46k | €29k | €17k | ▼ 40.2% |
| Financial income75/76B | - | €2k | €8k | €9k | €12k | ▲ 34.6% |
| Recurring financial income75 | €117 | €2k | €8k | €9k | €12k | ▲ 34.6% |
| Financial charges65/66B | - | €94 | €264 | €2k | €5k | ▲ 164% |
| Recurring financial charges65 | €315 | €94 | €264 | €2k | €5k | ▲ 164% |
| Profit (loss) for the period before taxes9903 | €46k | €62k | €54k | €36k | €25k | ▼ 32.2% |
| Income taxes67/77 | €10k | €14k | €14k | €9k | €7k | ▼ 23.8% |
| Profit (loss) for the period9904 | €36k | €48k | €40k | €27k | €18k | ▼ 35.0% |
| Profit (loss) for the period to be appropriated9905 | €36k | €48k | €40k | €27k | €18k | ▼ 35.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €58k | €127k | €178k | €199k | €231k | ▲ 16.0% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €0 | - | - | - | - | - |
| Current assets29/58 | €58k | €127k | €178k | €199k | €231k | ▲ 16.0% |
| Stocks and contracts in progress3 | €0 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €18k | €89k | €172k | €193k | €231k | ▲ 19.5% |
| Trade receivables40 | - | €14k | €13k | €14k | €13k | ▼ 10.0% |
| Other amounts receivable41 | - | €75k | €159k | €179k | €218k | ▲ 21.8% |
| Current investments50/53 | €0 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €5k | €4k | €5k | €3k | €0 | ▼ 100% |
| Deferred charges and accrued income490/1 | - | €35k | €38 | €3k | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €58k | €127k | €178k | €199k | €231k | ▲ 16.0% |
| Equity10/15 | €41k | €89k | €129k | €156k | €174k | ▲ 11.3% |
| Contributions10/11 | - | €5k | €5k | €5k | €5k | = |
| Reserves13 | €36k | €84k | €124k | €151k | €169k | ▲ 11.6% |
| Distributable reserves133 | - | €84k | €124k | €151k | €169k | ▲ 11.6% |
| Profit (loss) carried forward14 | €0 | - | - | - | - | - |
| Amounts payable17/49 | €16k | €37k | €48k | €43k | €57k | ▲ 33.2% |
| Amounts payable within one year42/48 | €16k | €37k | €48k | €43k | €57k | ▲ 33.2% |
| Financial debts43 | - | - | - | - | €30k | - |
| Credit institutions430/8 | - | - | - | - | €30k | - |
| Trade debts44 | €524 | €4k | €278 | €6k | €7k | ▲ 17.5% |
| Suppliers440/4 | - | €4k | €278 | €6k | €7k | ▲ 17.5% |
| Taxes, remuneration and social security45 | - | €33k | €48k | €37k | €19k | ▼ 47.1% |
| Taxes450/3 | - | €33k | €48k | €37k | €19k | ▼ 47.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €36k | €48k | €40k | €27k | €18k | ▼ 35.0% |
| + Depreciation and write-downs630 | €0 | - | - | - | - | - |
| Operating cash flow (approximation) | €36k | €48k | €40k | €27k | €18k | ▼ 35.0% |
| Change in cash | - | €-1k | €2k | €-2k | €-3k | ▼ 31.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
31-12
Financial
Weakest financial yearnet €18k ▼35%
Net result drops to €18k, the lowest in the series.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Equity above €150kEq €156k ▲20.9%
4 profitable years in a row build equity to €156k.
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
31-12
Financial
Equity above €100kEq €129k ▲44.7%
3 profitable years in a row build equity to €129k.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Highest result since 2020net €48k ▲32.8%
Operating result €59k, net result €48k, both a record.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 89 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Hasselt · 1 establishment unit since 2020
Ground area
339 m²
Building footprint
77 m²
Volume, LiDAR
815 m³
Parcel 71324E0077/00F000, Flanders · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Luikersteenweg 35, 3500 Hasselt
since 20202.299.342.042
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71324E0077/00F000 | Flanders | 339 m² | 1 · 77 m² | 14.0 m · 4 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.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,661 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
Contact
E-mail
joeri.swennen@sctm.be
Scores and ratios are computed by Checked and are not a credit decision.