Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
S.C.B. CREDITS & SERVICES from Mons, company number BE0738965893, closed financial year 2025 with a result of € 29,251 after tax. For that financial year S.C.B. CREDITS & SERVICES recorded a gross margin of € 137,931 and equity of € 18,984. Compared with financial year 2024, the result moved from € 5,904 to € 29,251. Profitable, and profit is growing. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 20, 2026.
€ 18,984
▼ 13% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 29,251
▲ € 23,347 vs 2024
Profit after tax over the fiscal year.
€ 15,850
▲ € 12,488 vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 32,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 79,172
▲ 42% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 24,746
▼ 26% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 35,767
▼ 10% vs 2024
€ 5,830 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 633
▼ 25% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 11,674
▲ 5% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 74,989 | € 94,962 | € 80,313 | € 137,931 | ▲ 72% |
| Profit after taxes | € -5,850 | € 4,687 | € 5,904 | € 29,251 | ▲ € 23,347 |
| Equity | € 63,142 | € 27,829 | € 21,733 | € 18,984 | ▼ 13% |
| Total debts | € 23,345 | € 113,096 | € 70,718 | € 85,637 | ▲ 21% |
| Cash | € 113 | € 948 | € 3,362 | € 15,850 | ▲ € 12,488 |
| Retained profit | € 60,642 | € 25,329 | € 19,233 | € 16,484 | ▼ 14% |
| Dividend | € 0 | € 40,000 | € 12,000 | € 32,000 | ▲ 167% |
| Bank debt | € 1,500 | € 43,816 | € 39,626 | € 35,767 | ▼ 10% |
| Balance sheet total | € 86,487 | € 140,925 | € 92,451 | € 104,621 | ▲ 13% |
Key figures of S.C.B. CREDITS & SERVICES, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to S.C.B. CREDITS & SERVICES?
What happened at S.C.B. CREDITS & SERVICES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 29,251 (▲ € 23,347 vs 2024). Source: NBB ↗
- New establishment in Mons. KBO
- Christophe Barez became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 5,850 loss in 2022 to € 29,251 profit in 2025.
Paid € 20,899 in corporate taxes since 2022.
Best year ever: 2025, with € 29,251 profit.
Paid out € 84,000 in dividends to the owners in total.
A new publication or filing at S.C.B. CREDITS & SERVICES? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind S.C.B. CREDITS & SERVICES is Christophe Barez.
Directors
According to the 2025 annual accounts
Christophe Barez
Director
since 2019
Establishments
Establishment units
Physical locations of this company
Rue Moncoureur (G.) 26
7011 Mons
Place de Ghlin (G.) 15
7011 Mons
Active since 11 December 2019
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0738.965.893
- VAT number
- BE 0738.965.893
- Registered office
- Rue Moncoureur (G.) 26, 7011 Mons
- Names & denominations
- S.C.B. CREDITS & SERVICES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 11 December 2019
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars