Scribendo · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Scribendo is 0.2% (very low). The 2025 annual accounts show equity of €1.39M and a net result of €332k. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 95% of 1956 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 95% of 1956 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity 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

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-03-2026, 126 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 5 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 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	27-03-2026	126 d early	2026-00063894
31-12-2024	31-07-2025	17-02-2025	164 d early	2025-00035067
31-12-2023	31-07-2024	21-02-2024	161 d early	2024-00032359
31-12-2022	31-07-2023	15-06-2023	46 d early	2023-00127126
31-12-2021	31-07-2022	24-06-2022	37 d early	2022-20088812

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 2020, 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

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

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€332k+78.9%

Working capital€1.23M+39.4%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 27-03-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~31%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	98.8%	53.8%	better than 95% of 1956 sector peers
Net result	€332k	€43k	better than 95% of 1956 sector peers
Equity	€1.39M	€56k	better than 95% of 1957 sector peers
Gross operating margin	€458k	€68k	better than 95% of 1955 sector peers
Total assets	€1.41M	€133k	better than 95% of 1956 sector peers

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

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P95

Stable position over 2021-2025 · n=1560-4829

Net result P95

Stable position over 2021-2025 · n=1557-4826

Equity P95

Stable position over 2021-2025 · n=1560-4829

Gross operating margin P95

Stable position over 2021-2025 · n=1555-4824

Describes the position versus peers, not a forecast.

EBITDA

€455k

+102.1% 21-25

Net profit

€332k

+78.9% 21-25

Cash flow

€349k

+72.4% 21-25

Total assets

€1.41M

+32.6% 21-25

Equity

€1.39M

+31.4% 21-25

Working capital

€1.23M

+39.4% 21-25

Income taxes

€159k

+123.6% 21-25

Debt

€17k

+540.2% 21-25

Show 8 other metrics

Debt ≤ 1y

€15k

+1898.8% 21-25

Current ratio

84.82

-92.9% 21-25

Quick ratio

84.82

-92.9% 21-25

Solvency

98.8%

-0.9% 21-25

Debt / equity

0.01

+387.3% 21-25

ROE

23.9%

+36.2% 21-25

ROA

23.6%

+34.9% 21-25

Interest coverage

4731.88

+114.1% 21-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€455k
Net profit	€332k
Cash flow	€349k
Staff costs	-
Income taxes	€159k
Dividends	-
Total assets	€1.41M
Equity	€1.39M
Debt	€17k
of which ≤ 1y	€15k
of which > 1y	-
Working capital	€1.23M
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	84.82
Quick ratio	84.82
Working capital ratio	87.7%
Solvency	98.8%
Debt / equity	0.01
Long-term debt ratio	-
Interest coverage	4731.88
Gross margin	-
Net margin	-
ROA	23.6%
ROE	23.9%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €159k · 11.3% Current assets €1.25M · 88.7%

Equity & liabilities

Equity €1.39M · 98.8% Debt €17k · 1.2%

Full annual accounts (23 line items)

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.41M
Fixed assets	21/28	€159k
Tangible fixed assets	22/27	€14k
Financial fixed assets	28	€145k
Current assets	29/58	€1.25M
Amounts receivable within one year	40/41	€20k
Investments	50/53	€945k
Cash & bank	54/58	€134k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.41M
Equity	10/15	€1.39M
Contributions / capital	10/11	€7k
Reserves	13	€1.38M
Amounts payable	17/49	€17k
Amounts payable within one year	42/48	€15k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€458k
Operating result	9901	€438k
Financial income	75	€53k
Financial charges	65	€96
Result before taxes	9903	€491k
Income taxes	67/77	€159k
Net result for the period	9904	€332k
Result to be appropriated	9905	€332k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

7 companies at this address See who is registered here

Establishment units

1 location

Scribendo

Zeedijk-Heist 126, 8301 Knokke-HeistActiviteiten van advocaten

since 20212.311.246.516

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

Parcels1

Ground area257 m²

Buildings1

Building footprint257 m²

Volume (LiDAR)7,058 m³

Tallest building31.0 m · ±9 fl.

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.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31008A0001/00K007	Flanders	257 m²	1 · 257 m²	31.0 m · 9 fl.

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

0 of 2 acts read

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.

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.