SC Capital · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SC Capital is 0.4% (very low). The 2024 annual accounts show equity of €28k and a net result of €15k. Its solvency ranks better than 19% of 4818 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 4818 sector peers (2024).

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	28-07-2025	3 d early	2025-00317237
31-12-2023	31-07-2024	03-07-2024	28 d early	2024-00200567

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€15k+27.5%

Working capital€-18k+6.9%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 28-07-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	23.7%	61.0%	better than 19% of 4818 sector peers
Net result	€15k	€34k	better than 25% of 4815 sector peers
Equity	€28k	€59k	better than 27% of 4818 sector peers
Gross operating margin	€24k	€56k	better than 20% of 4813 sector peers
Total assets	€118k	€117k	better than 50% of 4818 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€23k

+14.5% 23-24

Net profit

€15k

+27.5% 23-24

Cash flow

€25k

+28.5% 23-24

Total assets

€118k

-8.9% 23-24

Equity

€28k

+117.6% 23-24

Working capital

€-18k

+6.9% 23-24

Income taxes

€3k

+50.8% 23-24

Debt

€90k

-22.8% 23-24

Debt ≤ 1y

€32k

-7.3% 23-24

Debt > 1y

€57k

-29.5% 23-24

Current ratio

0.45

-0.4% 23-24

Quick ratio

0.45

-0.4% 23-24

Solvency

23.7%

+138.7% 23-24

Debt / equity

3.22

-64.5% 23-24

ROE

54.0%

-41.4% 23-24

ROA

12.8%

+39.9% 23-24

Interest coverage

7.59

-1.8% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€23k
Net profit	€15k
Cash flow	€25k
Staff costs	-
Income taxes	€3k
Dividends	-
Total assets	€118k
Equity	€28k
Debt	€90k
of which ≤ 1y	€32k
of which > 1y	€57k
Working capital	€-18k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.45
Quick ratio	0.45
Working capital ratio	-15.3%
Solvency	23.7%
Debt / equity	3.22
Long-term debt ratio	2.05
Interest coverage	7.59
Gross margin	-
Net margin	-
ROA	12.8%
ROE	54.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €103k · 87.7% Current assets €15k · 12.3%

Equity & liabilities

Equity €28k · 23.7% Debt €90k · 76.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€118k
Fixed assets	21/28	€103k
Tangible fixed assets	22/27	€33k
Financial fixed assets	28	€70k
Current assets	29/58	€15k
Amounts receivable within one year	40/41	€5k
Cash & bank	54/58	€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€118k
Equity	10/15	€28k
Contributions / capital	10/11	€1k
Accumulated profits (losses)	14	€27k
Amounts payable	17/49	€90k
Amounts payable after one year	17	€57k
Amounts payable within one year	42/48	€32k
Trade debts payable within one year	44	€427
Income statement
Gross operating margin	9900	€24k
Operating result	9901	€13k
Financial income	75	€8k
Financial charges	65	€3k
Result before taxes	9903	€18k
Income taxes	67/77	€3k
Net result for the period	9904	€15k
Result to be appropriated	9905	€15k

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

51 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Clos Saint-Roch 74683 Oupeye

Establishment units

1 location

SC Capital

Clos Saint-Roch 7, 4683 OupeyeActiviteiten van (gecertificeerde) (fiscaal) accountants

since 20222.339.241.211

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area670 m²

Buildings1

Building footprint96 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62109A0022/00B000	Wallonia	670 m²	1 · 96 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

69 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 51

Profitability 100

Solvency 23

Growth 78

Stability 94

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