SHC GROUP
ActiveThe computed 12-month bankruptcy probability of SHC GROUP is 2.3% (moderate). The 2025 annual accounts show equity of €49k and a net result of €-7k. Its solvency ranks better than 23% of 10345 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-24
Solvency38▼-1
Growth32
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.05 against 1.04 in 2024; short-term debt: 86.9% and cash: 6.5% of total assets), and 86.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
13.1%
Return on assets
-1.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 10345 sector peers (2025).
NBB · sector comparisonPosition among 10345 sector peers
Solvency
better than 23%
← 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 22-08-2026, 22 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 · 2 filingsDeviation from the deadline
2025
22 d late
2024
33 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, abbreviated schema
Equity
€49k▼ 12.6%
2024 · €56k
2024: €56k
2024 → 2025
Total assets
€371k▼ 9.7%
2024 · €411k
2024: €411k
2024 → 2025
Net result
€-7k
2024 · €6k
2024: €6k
2024 → 2025
Working capital
€16k▲ 21.8%
2024 · €13k
2024: €13k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€56k-€49k▼ 12.6%
Operating result€8k-€-5k
Net result€6k-€-7k
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 turns negative in 2025: a loss of €5k after €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €371k
Fixed assets
€32k▼ 26.1%
Current assets
€339k▼ 7.7%
Equity and liabilities €371k
Equity
€49k▼ 12.6%
Debt
€323k▼ 9.3%
The debt ratio rises from 86.5% to 86.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €25k
Cash flow
€5k▼
2024 · €22k
Solvency
13.1%▼
2024 · 13.5%
Current ratio
1.05▲
2024 · 1.04
Quick ratio
0.09▼
2024 · 0.36
Debt / equity
6.63▲
2024 · 6.39
ROE
-14.4%▼
2024 · 10.1%
ROA
-1.9%▼
2024 · 1.4%
Interest coverage
3.51▼
2024 · 26.10
Debt
€323k▼
2024 · €355k
Debt ≤ 1 year
€323k▼
2024 · €354k
Staff costs
€28k
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€411k€371k▼
Fixed assets21/28€44k€32k▼
Tangible fixed assets22/27€36k€25k▼
Plant, machinery and equipment23€30k€22k▼
Furniture and vehicles24€6k€2k▼
Financial fixed assets28€8k€8k=
Current assets29/58€367k€339k▼
Stocks and contracts in progress3€240k€311k▲
Stocks30/36€240k€311k▲
Amounts receivable within one year40/41€84k€4k▼
Trade receivables40€84k€4k▼
Cash at bank and in hand54/58€44k€24k▼
Equity and liabilities
Total equity and liabilities10/49€411k€371k▼
Equity10/15€56k€49k▼
Contributions10/11€50k€50k=
Capital10€50k€50k=
Issued capital100€50k€50k=
Profit (loss) carried forward14€6k€-1k▼
Amounts payable17/49€355k€323k▼
Amounts payable within one year42/48€354k€323k▼
Trade debts44€84k€44k▼
Suppliers440/4€84k€44k▼
Taxes, remuneration and social security45€14k€20k▲
Taxes450/3€14k€20k▲
Other amounts payable47/48€256k€258k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Remuneration, social security and pensions62-€28k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€12k▼
Other operating charges640/8-€798
Gross operating margin9900€25k€36k▲
Operating profit (loss)9901€8k€-5k▼
Financial charges65/66B€946€2k▲
Recurring financial charges65€946€2k▲
Profit (loss) for the period before taxes9903€7k€-7k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€6k€-7k▼
Profit (loss) for the period to be appropriated9905€6k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€-1k▼
Profit (loss) brought forward from the previous period14P-€6k
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
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 22 days late
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Heusden-Zolder · 1 establishment unit since 2023
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.
G. Gezellelaan 293550 Heusden-ZolderGround area
2,567 m²
Building footprint
1,061 m²
Volume, LiDAR
6,049 m³
Parcel 71502B0839/00L000, Flanders · tallest building 12.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SHC GROUP
since 20232.343.625.314
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71502B0839/00L000 | Flanders | 2,567 m² | 1 · 1,061 m² | 12.8 m · 1 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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Of 1,510 companies in sector 47540 we hold annual accounts for 805. 560 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2023
Fiscal year end31-12
Activities, NACEBEL
47540Retail sale of electrical household appliances
47551Retail sale of household furniture
47512Retail sale of household textiles and bedding
47553Retail trade
47593Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.