Summary
E-COMMIT 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 €4k and a net result of €49k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 8048 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 check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 8048 sector peers (2025).
NBB · sector comparisonPosition among 8048 sector peers
Solvency
better than 10%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
21 d early
2023
30 d late
2022
151 d late
2021
31 d late
2020
108 d late
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k
2024 · €-45k
2018: €20k
2019: €38k
2020: €-82k
2021: €-41k
2022: €-211k
2023: €-49k
2024: €-45k
2018 → 2025
Net result
€49k▲ 1,285%
2024 · €4k
2018: €1k
2019: €6k
2020: €-120k
2021: €41k
2022: €-170k
2023: €175k
2024: €4k
2018 → 2025
Total assets
€192k▼ 18.1%
2024 · €234k
2018: €233k
2019: €201k
2020: €317k
2021: €303k
2022: €462k
2023: €275k
2024: €234k
2018 → 2025
Solvency
2.2%▲ 21.6pp
2024 · -19.4%
2018: 8.5%
2019: 18.9%
2020: -26.0%
2021: -13.7%
2022: -45.7%
2023: -17.8%
2024: -19.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-41k-€-211k▼ 410%€-49k▲ 76.9%€-45k▲ 7.3%€4k
Operating result€47k-€-170k€198k€9k▼ 95.7%€79k▲ 817%
Net result€41k-€-170k€175k€4k▼ 98.0%€49k▲ 1,285%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 817% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €192k
Fixed assets
€30k ▼ 16.0%
Current assets
€161k ▼ 18.5%
Equity and liabilities €192k
Equity
€4k
Debt
€187k
Debt finances 97.8% of the balance-sheet total.
Key figures and ratios
ROA
25.8%▲
2024 · 1.5%
Debt ≤ 1 year
€187k▼
2024 · €235k
Debt > 1 year
€0▼
2024 · €44k
Income taxes
€18k▲
2024 · €3k
Staff costs
€218k▲
2024 · €210k
A ratio outside any meaningful range has been withheld (balance sheet total €192k, equity €4k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€234k€192k▼
Fixed assets21/28€36k€30k▼
Tangible fixed assets22/27€36k€30k▼
Land and buildings22€31k€28k▼
Plant, machinery and equipment23€2k€285▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€198k€161k▼
Stocks and contracts in progress3€164k€125k▼
Stocks30/36€164k€125k▼
Amounts receivable within one year40/41€11k€20k▲
Trade receivables40€9k€9k▼
Other amounts receivable41€2k€12k▲
Current investments50/53€3k€4k▲
Cash at bank and in hand54/58€14k€9k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€234k€192k▼
Equity10/15€-45k€4k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-53k€-4k▲
Amounts payable17/49€279k€187k▼
Amounts payable after more than one year17€44k€0▼
Financial debts170/4€1k€0▼
Other amounts payable178/9€42k€0▼
Amounts payable within one year42/48€235k€187k▼
Current portion of amounts payable after more than one year42€17k€1k▼
Financial debts43€6k€4k▼
Credit institutions430/8€6k€4k▼
Trade debts44€97k€90k▼
Suppliers440/4€97k€90k▼
Taxes, remuneration and social security45€69k€87k▲
Taxes450/3€42k€58k▲
Remuneration and social security454/9€27k€29k▲
Other amounts payable47/48€47k€4k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€145k€155k▲
Remuneration, social security and pensions62€210k€218k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€408€0▼
Gross operating margin9900€226k€304k▲
Operating profit (loss)9901€9k€79k▲
Financial income75/76B€2k€175▼
Recurring financial income75€2k€175▼
Financial charges65/66B€4k€11k▲
Recurring financial charges65€4k€11k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€7k€68k▲
Income taxes67/77€3k€18k▲
Profit (loss) for the period9904€4k€49k▲
Profit (loss) for the period to be appropriated9905€4k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-53k€-4k▲
Profit (loss) brought forward from the previous period14P€-57k€-53k▲
The notes to these accounts (9 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €175k
Net result €175k after one loss-making year.
29-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 151 days late
2022
31-12
Financial
Weakest financial yearnet €-170k
Net result drops to €-170k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 108 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 64 days late
13-02
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 197 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Bilzen-Hoeselt · 2 establishment units since 2016
Ground area
1,480 m²
Building footprint
497 m²
Volume, LiDAR
3,656 m³
2 parcels, Flanders · tallest building 15.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Zizoo
since 20162.250.647.844
Zizoo
since 20172.263.827.966
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006G0496/00S000 | Flanders | 853 m² | 1 · 216 m² | 11.6 m · 2 fl. |
| 71053H1162/00Z000 | Flanders | 627 m² | 1 · 281 m² | 15.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 7 entries · 41,290 EUR awarded · 41,290 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 6,337 EUR | 6,337 EUR |
| 2024 | 3 | 8,770 EUR | 8,770 EUR |
| 2023 | 2 | 14,558 EUR | 14,558 EUR |
| 2022 | 1 | 11,625 EUR | 11,625 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Hinderpremie bij openbare werken
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 2,898 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:0499/673012
Phone:089257498