E.C.M. II 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 €1.63M and a net result of €538k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 40% of 5523 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 30-09-2025 was due by 30-04-2026 and was filed on 13-04-2026, 17 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
17 d early
2024
27 d early
2023
28 d early
2022
9 d early
2021
9 d early
2020
9 d early
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.63M▲ 2.4%
2024 · €1.59M
2018: €597k
2019: €1.11M
2020: €1.63M
2021: €1.65M
2022: €1.53M
2023: €1.56M
2024: €1.59M
2018 → 2025
Net result
€538k▲ 1,714%
2024 · €30k
2018: €197k
2019: €514k
2020: €521k
2021: €516k
2022: €386k
2023: €26k
2024: €30k
2018 → 2025
Total assets
€4.03M▲ 0.7%
2024 · €4.00M
2018: €3.16M
2019: €3.75M
2020: €4.29M
2021: €4.29M
2022: €4.26M
2023: €4.36M
2024: €4.00M
2018 → 2025
Solvency
40.4%▲ 0.7pp
2024 · 39.7%
2018: 18.9%
2019: 29.7%
2020: 38.0%
2021: 38.4%
2022: 36.0%
2023: 35.8%
2024: 39.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.65M-€1.53M▼ 6.9%€1.56M▲ 1.7%€1.59M▲ 1.9%€1.63M▲ 2.4%
Operating result€115k-€109k▼ 5.1%€119k▲ 9.6%€96k▼ 19.4%€87k▼ 9.6%
Net result€516k-€386k▼ 25.3%€26k▼ 93.2%€30k▲ 13.9%€538k▲ 1,714%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 10% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.03M
Fixed assets
€2.65M▼ 0.5%
Current assets
€1.38M▲ 2.9%
Equity and liabilities €4.03M
Equity
€1.63M▲ 2.4%
Debt
€2.40M▼ 0.5%
The debt ratio falls from 60.3% to 59.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
40.4%▲
2024 · 39.7%
ROE
33.1%▲
2024 · 1.9%
ROA
13.4%▲
2024 · 0.7%
Debt
€2.40M▼
2024 · €2.41M
Debt ≤ 1 year
€2.31M▼
2024 · €2.31M
Income taxes
€13k▲
2024 · €11k
Staff costs
€112k▲
2024 · €107k
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€4.00M€4.03M▲
Fixed assets21/28€2.66M€2.65M▼
Tangible fixed assets22/27€53k€40k▼
Furniture and vehicles24€53k€40k▼
Financial fixed assets28€2.61M€2.61M=
Current assets29/58€1.34M€1.38M▲
Amounts receivable within one year40/41€389k€683k▲
Trade receivables40€52k€29k▼
Other amounts receivable41€337k€654k▲
Current investments50/53€515k€0▼
Cash at bank and in hand54/58€431k€191k▼
Deferred charges and accrued income490/1€3k€503k▲
Equity and liabilities
Total equity and liabilities10/49€4.00M€4.03M▲
Equity10/15€1.59M€1.63M▲
Contributions10/11€400k€400k=
Reserves13€1.19M€1.23M▲
Non-distributable reserves130/1€0-
Other1319€0-
Distributable reserves133€1.19M€1.23M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€2.41M€2.40M▼
Amounts payable within one year42/48€2.31M€2.31M▼
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€31k€26k▼
Taxes450/3€16k€10k▼
Remuneration and social security454/9€16k€16k▲
Other amounts payable47/48€2.28M€2.28M=
Accrued charges and deferred income492/3€99k€92k▼
Income statement
Code20242025
Remuneration, social security and pensions62€107k€112k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€12k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€214k€212k▼
Operating profit (loss)9901€96k€87k▼
Financial income75/76B€43k€557k▲
Recurring financial income75€43k€557k▲
Financial charges65/66B€99k€92k▼
Recurring financial charges65€99k€92k▼
Profit (loss) for the period before taxes9903€41k€552k▲
Income taxes67/77€11k€13k▲
Profit (loss) for the period9904€30k€538k▲
Profit (loss) for the period to be appropriated9905€30k€538k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€538k▲
Transfer to equity691/2€30k€38k▲
To other reserves6921€30k€38k▲
Profit to be distributed694/7-€500k
Return on contributions (dividend)694-€500k
Social balance
Average headcount (FTE)90871.0-
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
13-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €538k ▲1714%
Net result €538k, the highest in the series.
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €26k ▼93.2%
Net result drops to €26k, the lowest in the series; recovery starts the following year.
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Equity above €1MEq €1.11M ▲86.2%
2 profitable years in a row build equity to €1.11M.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ledegem · 1 establishment unit since 2016
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.
Rennevoortstraat 368880 LedegemGround area
2,964 m²
Building footprint
152 m²
Volume, LiDAR
43 m³
Parcel 36016A0236/00G000, Flanders · tallest building 4.4 m. Linked by address, not a title deed.
1 establishment unit
E.C.M. II
since 20162.259.084.765
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36016A0236/00G000 | Flanders | 2,964 m² | 1 · 152 m² | 4.4 m |
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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 11,514 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2016
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.