SCToit
ActiveThe computed 12-month bankruptcy probability of SCToit is 1.5% (moderate). The 2025 annual accounts show equity of €4k and a net result of €-2k. Equity is shrinking by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 11% of 27711 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▲+32
Solvency30▼-4
Growth32=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.0 against 1.03 in 2024; short-term debt: 91.2% and cash: 15.2% of total assets), and 95.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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 2025Solvency, return and age of the figures
Solvency
4.9%
Return on assets
-2.8%
Age of the figures
9 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-2k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 8 filingsDeviation from the deadline
2025
19 d late
2024
on the day
2023
45 d early
2022
100 d late
2021
31 d late
2020
8 d early
2019
1 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 36.7%
2024 · €6k
2018: €19k
2019: €25k
2020: €17k
2021: €49k
2022: €17k
2023: €11k
2024: €6k
2018 → 2025
Total assets
€75k▲ 11.0%
2024 · €68k
2018: €79k
2019: €85k
2020: €100k
2021: €116k
2022: €158k
2023: €71k
2024: €68k
2018 → 2025
Net result
€-2k▲ 62.0%
2024 · €-6k
2018: €14k
2019: €8k
2020: €-8k
2021: €34k
2022: €-32k
2023: €-6k
2024: €-6k
2018 → 2025
Working capital
€132▼ 92.0%
2024 · €2k
2018: €2k
2019: €14k
2020: €6k
2021: €35k
2022: €12k
2023: €9k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€17k▼ 64.7%€11k▼ 34.5%€6k▼ 49.1%€4k▼ 36.7%
Operating result€38k-€-33k€-5k▲ 86.1%€-5k▼ 3.5%€-2k▲ 68.3%
Net result€34k-€-32k€-6k▲ 81.2%€-6k▲ 6.7%€-2k▲ 62.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75k
Fixed assets
€7k▼ 35.8%
Current assets
€69k▲ 19.2%
Equity and liabilities €75k
Equity
€4k▼ 36.7%
Debt
€72k▲ 15.4%
The debt ratio rises from 91.5% to 95.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3k▲
2024 · €509
Cash flow
€2k▲
2024 · €-323
Solvency
4.9%▼
2024 · 8.5%
Current ratio
1.00▼
2024 · 1.03
Quick ratio
0.93▼
2024 · 0.95
Debt / equity
19.55▲
2024 · 10.72
ROE
-57.9%▲
2024 · -96.4%
ROA
-2.8%▲
2024 · -8.2%
Interest coverage
3.60▲
2024 · 0.51
Debt
€72k▲
2024 · €62k
Debt ≤ 1 year
€69k▲
2024 · €56k
Debt > 1 year
€3k▼
2024 · €6k
Income taxes
€36▲
2024 · €16
Staff costs
€155k▲
2024 · €120k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€68k€75k▲
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€10k€6k▼
Plant, machinery and equipment23€2k€690▼
Furniture and vehicles24€8k€5k▼
Financial fixed assets28€60€491▲
Current assets29/58€58k€69k▲
Stocks and contracts in progress3€4k€5k▲
Stocks30/36€4k€5k▲
Amounts receivable within one year40/41€22k€49k▲
Trade receivables40€17k€49k▲
Other amounts receivable41€5k€493▼
Cash at bank and in hand54/58€29k€11k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€68k€75k▲
Equity10/15€6k€4k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-400€-3k▼
Amounts payable17/49€62k€72k▲
Amounts payable after more than one year17€6k€3k▼
Financial debts170/4€6k€3k▼
Amounts payable within one year42/48€56k€69k▲
Current portion of amounts payable after more than one year42€6k€3k▼
Trade debts44€16k€15k▼
Suppliers440/4€16k€15k▼
Advances received on contracts in progress46€21k€38k▲
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€1k€884▼
Remuneration and social security454/9€7k€8k▲
Other amounts payable47/48€5k€4k▼
Accrued charges and deferred income492/3-€25
Income statement
Code20242025
Remuneration, social security and pensions62€120k€155k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€723€753▲
Gross operating margin9900€121k€158k▲
Operating profit (loss)9901€-5k€-2k▲
Financial income75/76B€177€128▼
Recurring financial income75€177€128▼
Financial charges65/66B€993€712▼
Recurring financial charges65€993€712▼
Profit (loss) for the period before taxes9903€-6k€-2k▲
Income taxes67/77€16€36▲
Profit (loss) for the period9904€-6k€-2k▲
Profit (loss) for the period to be appropriated9905€-6k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€-3k▼
Profit (loss) brought forward from the previous period14P€4k€-400▼
Transfer from equity791/2€713-
The notes to these accounts (7 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 100 days late
2022
31-12
Financial
Weakest financial yearnet €-32k ▼194%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Soignies · 1 establishment unit since 2018
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 de la Station 37060 SoigniesGround area
99 m²
Building footprint
37 m²
Volume, LiDAR
417 m³
Parcel 55402D0058/00E002, Wallonia · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SCTOIT SRL
since 20182.272.110.677
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55402D0058/00E002 | Wallonia | 99 m² | 1 · 37 m² | 13.5 m · 4 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.
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BRAHAM TOITURES
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TECTUM
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Nijlen · Eq €4k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 1,157 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2018
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
16230Manufacture of other builders' carpentry and joinery
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43421Specialised construction activities
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.