SCILL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €78k and a net result of €66k. Equity is shrinking by ~8% per year across the filed fiscal years. Its solvency ranks better than 33% of 7980 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 27-02-2026, 154 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
154 d early
2024
41 d early
2023
22 d early
2022
67 d early
2021
2 d early
2020
1 d early
2019
49 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▼ 43.9%
2024 · €140k
2018: €164k
2019: €186k
2020: €248k
2021: €266k
2022: €229k
2023: €190k
2024: €140k
2018 → 2025
Net result
€66k▼ 2.2%
2024 · €67k
2018: €67k
2019: €22k
2020: €61k
2021: €58k
2022: €45k
2023: €46k
2024: €67k
2018 → 2025
Total assets
€254k▼ 13.9%
2024 · €295k
2018: €278k
2019: €222k
2020: €279k
2021: €358k
2022: €387k
2023: €406k
2024: €295k
2018 → 2025
Solvency
30.8%▼ 16.5pp
2024 · 47.4%
2018: 59.1%
2019: 84.0%
2020: 88.7%
2021: 74.5%
2022: 59.1%
2023: 46.7%
2024: 47.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€266k-€229k▼ 14.1%€190k▼ 17.0%€140k▼ 26.3%€78k▼ 43.9%
Operating result€82k-€59k▼ 28.2%€66k▲ 11.9%€93k▲ 41.1%€87k▼ 6.9%
Net result€58k-€45k▼ 22.6%€46k▲ 3.4%€67k▲ 45.1%€66k▼ 2.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €254k
Fixed assets
€6k▼ 50.4%
Current assets
€248k▼ 12.3%
Equity and liabilities €254k
Equity
€78k▼ 43.9%
Debt
€176k▲ 13.2%
The debt ratio rises from 52.6% to 69.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
30.8%▼
2024 · 47.4%
ROE
83.9%▲
2024 · 48.2%
ROA
25.9%▲
2024 · 22.8%
Debt
€176k▲
2024 · €155k
Debt ≤ 1 year
€176k▲
2024 · €155k
Income taxes
€18k▼
2024 · €19k
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€295k€254k▼
Fixed assets21/28€12k€6k▼
Tangible fixed assets22/27€12k€6k▼
Furniture and vehicles24€12k€6k▼
Current assets29/58€283k€248k▼
Amounts receivable within one year40/41€51k€30k▼
Trade receivables40€33k€14k▼
Other amounts receivable41€18k€16k▼
Cash at bank and in hand54/58€232k€218k▼
Deferred charges and accrued income490/1€431€513▲
Equity and liabilities
Total equity and liabilities10/49€295k€254k▼
Equity10/15€140k€78k▼
Contributions10/11€19k€19k=
Reserves13€121k€60k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€119k€60k▼
Amounts payable17/49€155k€176k▲
Amounts payable within one year42/48€155k€176k▲
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€21k€20k▼
Taxes450/3€21k€20k▼
Other amounts payable47/48€132k€156k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€6k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€98k€94k▼
Operating profit (loss)9901€93k€87k▼
Financial income75/76B€1k-
Recurring financial income75€1k-
Financial charges65/66B€9k€3k▼
Recurring financial charges65€9k€3k▼
Profit (loss) for the period before taxes9903€86k€84k▼
Income taxes67/77€19k€18k▼
Profit (loss) for the period9904€67k€66k▼
Profit (loss) for the period to be appropriated9905€67k€66k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€66k▼
Transfer from equity791/2€50k€61k▲
Profit to be distributed694/7€117k€127k▲
Return on contributions (dividend)694€117k€127k▲
The notes to these accounts (4 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €67k ▲45.1%
Net result €67k, the highest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €248k ▲33%
3 profitable years in a row build equity to €248k.
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €22k ▼67%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
no sitting director, last change in 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
04-11-2025
Resigned as Manager
Not every act has been read: a resignation may be missing here
2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Lennik · 1 establishment unit since 2016
Ground area
1,610 m²
Building footprint
590 m²
Volume, LiDAR
2,788 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Langouche Louis
since 20162.251.764.136
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23075C0451/00D000 | Flanders | 1,040 m² | 1 · 451 m² | 9.4 m · 2 fl. |
| 36494D1278/00C000 | Flanders | 570 m² | 1 · 139 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 5,007 EUR awarded · 5,007 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 118 EUR | 118 EUR |
| 2022 | 1 | 4,889 EUR | 4,889 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
TERTIUM
BE 0466.117.266
Ukkel · Eq €78k
Y-magic
BE 0838.875.695
Zonhoven · Eq €78k
HIGHPERION
BE 0543.553.950
La Hulpe · Eq €78k
VERTALON
BE 0885.430.747
Wielsbeke · Eq €78k
ERVICO
BE 0478.928.293
Sint-Lambrechts-Woluwe · Eq €78k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 11,693 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.