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Summary
Conclusion
the dossier summarised in one paragraphSkone is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €7k and a net result of €2k. Its solvency ranks better than 9% of 1407 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
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 1407 sector peers (2024).
View the sector comparison 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-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 10 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.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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.
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 | 29-08-2025 | 29 d late | 2025-00472528 |
| 31-12-2023 | 31-07-2024 | 26-07-2024 | 5 d early | 2024-00298990 |
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 signalsMore 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 administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€7k+59.2%
Net result€2k
Total assets€623k+3948.5%
Solvency1.1%-25.8pp
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 1.1% | 37.4% | |
| Net result | €2k | €46k | |
| Equity | €7k | €362k | |
| Gross operating margin | €14k | €65k | |
| Total assets | €623k | €1.41M |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€2k
-
23-24
€623k
+3948.5%
23-24
€7k
+59.2%
23-24
€496
-
23-24
€617k
+5374.5%
23-24
€254k
+2157.5%
23-24
€362k
-
23-24
1.1%
-96.1%
23-24
37.2%
-
23-24
0.4%
-
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €2k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €496 |
| Dividends | - |
| Total assets | €623k |
| Equity | €7k |
| Debt | €617k |
| of which ≤ 1y | €254k |
| of which > 1y | €362k |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 1.1% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 0.4% |
| ROE | 37.2% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2024
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 | €623k |
| Fixed assets | 21/28 | €600k |
| Financial fixed assets | 28 | €600k |
| Current assets | 29/58 | €23k |
| Amounts receivable within one year | 40/41 | €500 |
| Cash & bank | 54/58 | €23k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €623k |
| Equity | 10/15 | €7k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €2k |
| Amounts payable | 17/49 | €617k |
| Amounts payable after one year | 17 | €362k |
| Amounts payable within one year | 42/48 | €254k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €14k |
| Operating result | 9901 | €14k |
| Financial charges | 65 | €11k |
| Result before taxes | 9903 | €3k |
| Income taxes | 67/77 | €496 |
| Net result for the period | 9904 | €2k |
| Result to be appropriated | 9905 | €2k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2024 · computedModel 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.
Directors
Directors & mandates
1 directorCurrent directors & mandates
-
DEWULF TomNon-statutory directorState Gazette act 23374355 (20-07-2023)Current20-07-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 29-06-2022 |
| Status | Active |
| Postal code | 6980 |
Structure & network
Connections & network
2 connected companiesGroup structure
Subsidiary · 2 locations
→
Subsidiary · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
on the map · from the address register
seat.Municipality
exact location from the address register
Establishment units
1 locationSkone
since 20222.333.449.420
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area730 m²
Buildings1
Building footprint120 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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. |
|---|---|---|---|---|
| 83031D0238/02A000 | Wallonia | 730 m² | 1 · 120 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
Belgisch Staatsblad · acts
4 acts Address history · 1
16-02-2024
Registered-office move
All acts · 4
updated 1 year ago
2024
29-11-2024 Publication in the Belgian Official Gazette, Miscellaneous
Summary:
Material correctionNotary:
Etienne PAUL · La Roche
06-06-2024 Change of permanent representative correction
Notary:
Etienne PAUL · La Roche-en-ArdenneFirm:
PAUL & PICARD
16-02-2024 Registered office moved from Nieuwpoort to La Roche-en Ardenne
- Kinderlaan 1 bus 501, 8620 Nieuwpoort → 6980 La Roche-en Ardenne, Rue de Harzé 8
2023
20-07-2023 DEWULF Tom appointed as non-statutory director
Analysis
Snowflake analysis
financial profile on 5 axes68
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
100
Solvency
1
Growth
78
Stability
94
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verdict per customer and amountSimilar
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Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
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Primary activity highlighted.
Names & trade names
| Legal nameFR | Skone |
Registered office
Rue de Harzé 8
6980 La Roche-en-Ardenne, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.