S.C.O.T.
ActiveSummary
S.C.O.T. has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €20k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+12
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 5.26; short-term debt: 18.1% and cash: 0.6% of total assets), and 18.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
81.8%
Return on assets
17.3%
Age of the figures
9 mo
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
69 d early
2023
68 d early
2022
62 d early
2021
52 d early
2020
51 d early
2019
53 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, micro schema
Equity
€96k▼ 34.6%
2024 · €147k
2018: €84k
2019: €104k
2020: €112k
2021: €126k
2022: €137k
2023: €135k
2024: €147k
2018 → 2025
Total assets
€117k▼ 20.2%
2024 · €147k
2018: €90k
2019: €107k
2020: €114k
2021: €127k
2022: €138k
2023: €136k
2024: €147k
2018 → 2025
Net result
€20k▲ 77.2%
2024 · €11k
2018: €17k
2019: €19k
2020: €8k
2021: €14k
2022: €11k
2023: €-2k
2024: €11k
2018 → 2025
Working capital
€90k▼ 23.1%
2023 · €117k
2018: €81k
2019: €101k
2020: €59k
2021: €85k
2022: €107k
2023: €117k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€126k-€137k▲ 9.0%€135k▼ 1.5%€147k▲ 8.5%€96k▼ 34.6%
Operating result€20k-€16k▼ 21.5%€-2k€15k€29k▲ 99.6%
Net result€14k-€11k▼ 20.6%€-2k€11k€20k▲ 77.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 100% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€6k ▼ 6.9%
Current assets
€111k ▼ 20.8%
Equity and liabilities €117k
Equity
€96k ▼ 34.6%
Debt
€21k ▲ 10,204%
Debt's share of the balance-sheet total rises from 0.1% to 18.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€36k▲
2024 · €27k
Cash flow
€27k▲
2024 · €23k
Current ratio
5.26
Debt to equity
0.22▲
2024 · 0.00
ROE
21.1%▲
2024 · 7.8%
ROA
17.3%▲
2024 · 7.8%
Interest coverage
221.57▼
2024 · 668.30
Debt ≤ 1 year
€21k
Income taxes
€10k▲
2024 · €4k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€147k€117k▼
Fixed assets21/28€6k€6k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€6k€6k▼
Plant, machinery and equipment23€737€446▼
Furniture and vehicles24€6k€6k▼
Other tangible fixed assets26€0-
Financial fixed assets28€5€5=
Current assets29/58€141k€111k▼
Amounts receivable within one year40/41€8k€10k▲
Trade receivables40€4k€10k▲
Other amounts receivable41€4k-
Current investments50/53€130k€100k▼
Cash at bank and in hand54/58€1k€761▼
Deferred charges and accrued income490/1€840€656▼
Equity and liabilities
Total equity and liabilities10/49€147k€117k▼
Equity10/15€147k€96k▼
Contributions10/11€19k€19k=
Reserves13€127k€76k▼
Tax-exempt reserves132€11k€11k=
Distributable reserves133€116k€65k▼
Profit (loss) carried forward14€1k€1k▲
Amounts payable17/49€207€21k▲
Amounts payable within one year42/48-€21k
Trade debts44-€20
Suppliers440/4-€20
Taxes, remuneration and social security45-€4k
Taxes450/3-€4k
Other amounts payable47/48-€18k
Accrued charges and deferred income492/3€207€152▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€7k▼
Other operating charges640/8€638€717▲
Gross operating margin9900€27k€37k▲
Operating profit (loss)9901€15k€29k▲
Financial income75/76B€843€696▼
Recurring financial income75€843€696▼
Financial charges65/66B€40€162▲
Recurring financial charges65€40€162▲
Profit (loss) for the period before taxes9903€16k€30k▲
Income taxes67/77€4k€10k▲
Profit (loss) for the period9904€11k€20k▲
Profit (loss) for the period to be appropriated9905€11k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€22k▲
Profit (loss) brought forward from the previous period14P€1k€1k▲
Transfer from equity791/2-€71k
Transfer to equity691/2€11k€20k▲
To other reserves6921€11k€20k▲
Profit to be distributed694/7-€71k
Return on contributions (dividend)694-€71k
The notes to these accounts (8 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €20k ▲77.2%
Operating result €29k, net result €20k, both a record.
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
24-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-2k ▼118%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 1066.13
Current ratio from 304.07 to 1066.13; short-term debt falls from €353 to €110.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 5current ratio 304.07
Current ratio from 66.87 to 304.07; short-term debt falls from €1k to €353.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 66.87
Current ratio from 33.21 to 66.87; short-term debt falls from €2k to €1k.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 31.62
Current ratio from 15.03 to 31.62; short-term debt falls from €6k to €3k.
31-12
Financial
Equity above €100kEq €104k ▲22.5%
2 profitable years in a row build equity to €104k.
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Sint-Niklaas · 1 establishment unit since 2004
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.
Dillaartwijk 559100 Sint-NiklaasGround area
333 m²
Building footprint
101 m²
Volume, LiDAR
570 m³
Parcel 46021A0626/00P002, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S.C.O.T.
since 20042.139.550.477
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46021A0626/00P002 | Flanders | 333 m² | 1 · 101 m² | 9.3 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.
Similar companies · same sector, comparable size
TRIO Architecture
BE 0434.775.972
Etterbeek · Eq €95,971
CARTON123 ARCHITECTEN
BE 0899.796.447
Jette · Eq €95,896
GOCHArchitecte
BE 0501.967.377
Namur · Eq €96,083
SANELBOUW
BE 0849.731.975
Geel · Eq €96,096
Studio SB
BE 0883.082.852
Heusden-Zolder · Eq €95,835
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,482 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2004
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.