4 ESCH
Active4 ESCH has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €305k and a net result of €41k. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 93% of 13306 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+4
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 4.79 against 5.65 in 2024; short-term debt: 15.2% and cash: 0.6% of total assets), and 15.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
84.7%
Return on assets
11.5%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
21 d late
2023
186 d late
2022
142 d late
2021
1047 d late
2020
325 d late
2019
61 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€305k▲ 15.7%
2024 · €263k
2018: €122k
2019: €130k
2020: €132k
2021: €203k
2022: €195k
2023: €238k
2024: €263k
2018 → 2025
Total assets
€360k▲ 20.2%
2024 · €299k
2018: €155k
2019: €173k
2020: €157k
2021: €218k
2022: €236k
2023: €295k
2024: €299k
2018 → 2025
Net result
€41k▲ 64.3%
2024 · €25k
2018: €57k
2019: €8k
2020: €2k
2021: €75k
2022: €-8k
2023: €43k
2024: €25k
2018 → 2025
Working capital
€207k▲ 23.9%
2024 · €167k
2018: €59k
2019: €84k
2020: €89k
2021: €126k
2022: €114k
2023: €161k
2024: €167k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€203k-€195k▼ 3.7%€238k▲ 22.0%€263k▲ 10.6%€305k▲ 15.7%
Operating result€80k-€-2k€61k€36k▼ 40.5%€55k▲ 52.6%
Net result€75k-€-8k€43k€25k▼ 41.4%€41k▲ 64.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 53% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €360k
Fixed assets
€98k▲ 2.0%
Current assets
€261k▲ 28.9%
Equity and liabilities €360k
Equity
€305k▲ 15.7%
Debt
€55k▲ 53.3%
The debt ratio rises from 12.0% to 15.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€64k▲
2024 · €40k
Cash flow
€50k▲
2024 · €30k
Solvency
84.7%▼
2024 · 88.0%
Current ratio
4.79▼
2024 · 5.65
Quick ratio
4.77▼
2024 · 5.61
Debt / equity
0.18▲
2024 · 0.14
ROE
13.6%▲
2024 · 9.6%
ROA
11.5%▲
2024 · 8.4%
Interest coverage
17.26▼
2024 · 30.34
Debt
€55k▲
2024 · €36k
Debt ≤ 1 year
€55k▲
2024 · €36k
Income taxes
€16k▲
2024 · €10k
Staff costs
€98k▲
2024 · €58k
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€299k€360k▲
Fixed assets21/28€96k€98k▲
Tangible fixed assets22/27€85k€87k▲
Land and buildings22€41k€55k▲
Plant, machinery and equipment23€0€2k▲
Furniture and vehicles24€2k€2k▲
Assets under construction and advance payments27€43k€27k▼
Financial fixed assets28€11k€11k=
Current assets29/58€203k€261k▲
Amounts receivable after more than one year29€114k€97k▼
Other amounts receivable291€114k€97k▼
Stocks and contracts in progress3€1k€1k▲
Stocks30/36€1k€1k▲
Amounts receivable within one year40/41€73k€159k▲
Trade receivables40€59k€151k▲
Other amounts receivable41€13k€7k▼
Cash at bank and in hand54/58€14k€2k▼
Deferred charges and accrued income490/1€718€2k▲
Equity and liabilities
Total equity and liabilities10/49€299k€360k▲
Equity10/15€263k€305k▲
Contributions10/11€12k€14k▲
Capital10€12k-
Issued capital100€19k-
Uncalled capital101€6k-
Reserves13€251k€290k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€249k€290k▲
Amounts payable17/49€36k€55k▲
Amounts payable within one year42/48€36k€55k▲
Current portion of amounts payable after more than one year42€8k-
Trade debts44-€22k
Suppliers440/4-€22k
Taxes, remuneration and social security45€27k€33k▲
Taxes450/3€24k€27k▲
Remuneration and social security454/9€3k€6k▲
Other amounts payable47/48€1k-
Accrued charges and deferred income492/3-€532
Income statement
Code20242025
Remuneration, social security and pensions62€58k€98k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€9k▲
Other operating charges640/8€1k€17k▲
Gross operating margin9900€99k€178k▲
Operating profit (loss)9901€36k€55k▲
Financial income75/76B€11€6k▲
Recurring financial income75€11€685▲
Non-recurring financial income76B-€5k
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€35k€57k▲
Income taxes67/77€10k€16k▲
Profit (loss) for the period9904€25k€41k▲
Profit (loss) for the period to be appropriated9905€25k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€198k€41k▼
Profit (loss) brought forward from the previous period14P€173k-
Transfer to equity691/2€198k€41k▼
To other reserves6921€198k€41k▼
The notes to these accounts (7 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
12-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1047 days late
02-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 186 days late
2023
31-12
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
31-12
Financial
Equity above €200kEq €238k ▲22%
Equity rises from €195k to €238k.
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 142 days late
2022
31-12
Financial
Weakest financial yearnet €-8k ▼110%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 325 days late
2021
31-12
Financial
Highest result since 2018net €75k ▲3935%
Operating result €80k, net result €75k, both a record.
31-12
Financial
Equity above €200kEq €203k ▲53.6%
4 profitable years in a row build equity to €203k.
2020
31-12
Financial
Liquidity triplescurrent ratio 14.39
Current ratio from 4.44 to 14.39; short-term debt falls from €24k to €7k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 61 days late
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 61 days late
2017
17-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 48 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Geel · 1 establishment unit since 2010
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.
Markt 742440 GeelGround area
264 m²
Building footprint
245 m²
Volume, LiDAR
1,831 m³
Parcel 13376G0738/00D002, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
4 ESCH
since 20102.191.140.522
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13376G0738/00D002 | Flanders | 264 m² | 1 · 244 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGeel2.191.140.522
Similar companies · same sector, comparable size
DOMINIEK DONCKELE
BE 0806.928.152
Oostrozebeke · Eq €305k
SIRABEL
BE 0802.153.475
Evere · Eq €304k
LiSaBo
BE 0766.454.705
Deinze · Eq €304k
DE BRUG
BE 0477.770.629
Wommelgem · Eq €304k
BEJACKS
BE 0673.919.871
Antwerpen · Eq €304k
Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 5,701 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-08-2010
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.