S.C.T.R.
ActiveSummary
S.C.T.R. has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.06M and a net result of €10k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 18% of 866 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-1
Solvency38=
Growth61▲+1
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.71 in 2024; short-term debt: 65.7% and cash: 0.6% of total assets), and 87.1% 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.
−lowers risk+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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
12.9%
Return on assets
0%
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 18% of 866 sector peers (2025).
NBB · sector comparisonPosition among 866 sector peers
Solvency
better than 18%
← 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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
75 d late
2023
29 d late
2022
30 d late
2021
12 d early
2020
12 d early
2019
31 d late
← 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
€13.02M▲ 5.2%
2024 · €12.38M
2018: €14.38M
2019: €14.81M
2020: €11.45M
2021: €11.18M
2022: €12.18M
2023: €11.29M
2024: €12.38M
2018 → 2025
EBIT margin
5.3%▼ 1.0pp
2024 · 6.3%
2018: 2.8%
2019: 3.1%
2020: 2.2%
2021: 5.8%
2022: 3.9%
2023: 5.4%
2024: 6.3%
2018 → 2025
Net result
€10k▼ 92.6%
2024 · €136k
2018: €-1k
2019: €138k
2020: €16k
2021: €364k
2022: €201k
2023: €117k
2024: €136k
2018 → 2025
Working capital
€-4.71M▼ 9.8%
2024 · €-4.29M
2018: €-4.06M
2019: €-4.11M
2020: €-2.90M
2021: €-3.01M
2022: €-3.97M
2023: €-4.90M
2024: €-4.29M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€11.18M-€12.18M▲ 8.9%€11.29M▼ 7.3%€12.38M▲ 9.6%€13.02M▲ 5.2%
Equity€2.63M-€2.81M▲ 7.2%€2.93M▲ 4.0%€3.06M▲ 4.5%€3.06M▲ 0.2%
Operating result€644k-€470k▼ 27.0%€605k▲ 28.5%€784k▲ 29.7%€693k▼ 11.7%
Net result€364k-€201k▼ 44.8%€117k▼ 41.8%€136k▲ 16.5%€10k▼ 92.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23.72M
Fixed assets
€12.83M ▼ 0.4%
Current assets
€10.88M ▲ 4.7%
Equity and liabilities €23.72M
Equity
€3.06M ▲ 0.2%
Debt
€20.65M ▲ 2.1%
Debt's share of the balance-sheet total rises from 86.9% to 87.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€3.14M▼
2024 · €3.45M
Cash flow
€2.46M▼
2024 · €2.80M
Current ratio
0.70▼
2024 · 0.71
Quick ratio
0.63▼
2024 · 0.64
Debt to equity
6.74▲
2024 · 6.61
ROE
0.3%▼
2024 · 4.5%
ROA
0.0%▼
2024 · 0.6%
Interest coverage
6.41▼
2024 · 7.22
Debt ≤ 1 year
€15.59M▲
2024 · €14.68M
Debt > 1 year
€5.06M▼
2024 · €5.54M
Income taxes
€87k▲
2024 · €47k
Staff costs
€2.76M▲
2024 · €2.41M
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 · 87 lines
Balance sheet
Code20242025
Assets
Total assets20/58€23.29M€23.72M▲
Fixed assets21/28€12.89M€12.83M▼
Intangible fixed assets21€9k€8k▼
Tangible fixed assets22/27€11.20M€11.15M▼
Land and buildings22€5.44M€5.49M▲
Plant, machinery and equipment23€274k€177k▼
Furniture and vehicles24€260k€341k▲
Leasing and similar rights25€4.76M€4.68M▼
Other tangible fixed assets26€472k€461k▼
Financial fixed assets28€1.68M€1.68M=
Affiliated companies280/1€1.66M€1.66M=
Participating interests280€1.65M€1.65M=
Amounts receivable281€14k€14k=
Other financial fixed assets284/8€16k€16k=
Amounts receivable and cash guarantees285/8€16k€16k=
Current assets29/58€10.40M€10.88M▲
Amounts receivable after more than one year29€2.84M€2.84M=
Other amounts receivable291€2.84M€2.84M=
Stocks and contracts in progress3€993k€993k=
Stocks30/36€993k€993k=
Raw materials and consumables30/31€993k€993k=
Amounts receivable within one year40/41€6.35M€6.87M▲
Trade receivables40€4.16M€3.98M▼
Other amounts receivable41€2.18M€2.88M▲
Current investments50/53€7k€7k=
Other investments51/53€7k€7k=
Cash at bank and in hand54/58€176k€148k▼
Deferred charges and accrued income490/1€39k€33k▼
Equity and liabilities
Total equity and liabilities10/49€23.29M€23.72M▲
Equity10/15€3.06M€3.06M▲
Contributions10/11€125k€125k=
Capital10€125k€125k=
Issued capital100€125k€125k=
Revaluation surpluses12€205k€205k=
Reserves13€5.19M€5.19M=
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Tax-exempt reserves132€4.75M€4.75M=
Distributable reserves133€425k€425k=
Profit (loss) carried forward14€-2.47M€-2.46M▲
Investment grants15€15k€10k▼
Amounts payable17/49€20.23M€20.65M▲
Amounts payable after more than one year17€5.54M€5.06M▼
Financial debts170/4€5.54M€5.06M▼
Leasing and similar obligations172€3.03M€2.94M▼
Credit institutions173€2.51M€2.12M▼
Amounts payable within one year42/48€14.68M€15.59M▲
Current portion of amounts payable after more than one year42€2.51M€2.41M▼
Financial debts43€3.83M€4.75M▲
Credit institutions430/8€3.83M€4.75M▲
Trade debts44€3.94M€4.87M▲
Suppliers440/4€3.94M€4.87M▲
Taxes, remuneration and social security45€458k€456k▼
Taxes450/3€106k€55k▼
Remuneration and social security454/9€353k€401k▲
Other amounts payable47/48€3.95M€3.11M▼
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Operating income70/76A€17.87M€17.10M▼
Turnover70€12.38M€13.02M▲
Other operating income74€5.49M€4.08M▼
Non-recurring operating income76A€685€3k▲
Operating charges60/66A€17.08M€16.41M▼
Goods for resale, raw materials and consumables60€7.07M€6.89M▼
Purchases600/8€7.07M€6.89M▼
Change in stocks: decrease (increase)609€5k€-414▼
Services and other goods61€4.12M€3.54M▼
Remuneration, social security and pensions62€2.41M€2.76M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2.66M€2.45M▼
Other operating charges640/8€816k€754k▼
Non-recurring operating charges66A€4k€12k▲
Operating profit (loss)9901€784k€693k▼
Financial income75/76B€13k€16k▲
Recurring financial income75€13k€16k▲
Other financial income752/9€13k€16k▲
Financial charges65/66B€614k€612k▼
Recurring financial charges65€614k€612k▼
Debt charges650€477k€491k▲
Other financial charges652/9€137k€121k▼
Profit (loss) for the period before taxes9903€183k€97k▼
Income taxes67/77€47k€87k▲
Taxes670/3€47k€87k▲
Profit (loss) for the period9904€136k€10k▼
Transfer to tax-exempt reserves689€221k-
Profit (loss) for the period to be appropriated9905€-84k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2.47M€-2.46M▲
Profit (loss) brought forward from the previous period14P€-2.39M€-2.47M▼
Social balance
Average headcount (FTE)908740.245.5▲
The notes to these accounts (103 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 75 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €364k ▲2248%
Net result €364k, the highest in the series.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Back to profitnet €138k
Net result €138k after one loss-making year.
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 7 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Tinlot · 1 establishment unit since 1993
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 Martinpa 114557 TinlotGround area
9,897 m²
Building footprint
1,633 m²
Volume, LiDAR
12,750 m³
Parcel 61057D0019/00P006, Wallonia · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Martinpa 11, 4557 Tinlot
since 19932.055.494.237
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61057D0019/00P006 | Wallonia | 9,896 m² | 1 · 1,633 m² | 9.7 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTinlot2.055.494.237
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Transport LB
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LDA Transports
BE 0821.597.225
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Of 12,604 companies in sector 49410 we hold annual accounts for 8,202. 2,384 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 formPublic limited company
Founded30-05-1991
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
47811Retail sale of cars and light vans (up to 3.5 tonnes)
52100Warehousing and storage
52249Warehousing and support activities for transportation
52250Logistics services
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.