e-CT CONSULT
Open bankruptcyA bankruptcy procedure is open for e-CT CONSULT according to publications in the Belgian State Gazette; curator: THOMAS VANDENDRIES. The 2024 annual accounts show equity of €235k and a net result of €8k.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · 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.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
31 d late
2022
31 d late
2021
31 d late
2020
16 d late
2019
55 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€235k▲ 3.5%
2023 · €227k
2018: €134k
2019: €133k
2020: €154k
2021: €192k
2022: €204k
2023: €227k
2018 → 2024
Net result
€8k▼ 66.6%
2023 · €24k
2018: €8k
2019: €-663
2020: €21k
2021: €40k
2022: €59k
2023: €24k
2018 → 2024
Total assets
€489k▲ 8.3%
2023 · €451k
2018: €247k
2019: €221k
2020: €215k
2021: €349k
2022: €420k
2023: €451k
2018 → 2024
Solvency
48.2%▼ 2.3pp
2023 · 50.4%
2018: 54.1%
2019: 60.3%
2020: 71.5%
2021: 54.9%
2022: 48.5%
2023: 50.4%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€154k-€192k▲ 24.8%€204k▲ 6.2%€227k▲ 11.6%€235k▲ 3.5%
Operating result€34k-€66k▲ 90.1%€66k=€24k▼ 63.7%€8k▼ 65.6%
Net result€21k-€40k▲ 91.3%€59k▲ 48.8%€24k▼ 59.9%€8k▼ 66.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 66% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €489k
Fixed assets
€292k=
Current assets
€197k▲ 23.6%
Equity and liabilities €489k
Equity
€235k▲ 3.5%
Debt
€253k▲ 13.3%
The debt ratio rises from 49.6% to 51.8%. Equity and debt are higher.
Key figures and ratios
Solvency
48.2%▼
2023 · 50.4%
ROE
3.4%▼
2023 · 10.4%
ROA
1.6%▼
2023 · 5.2%
Debt
€253k▲
2023 · €224k
Debt ≤ 1 year
€253k▲
2023 · €224k
Income taxes
€9k▲
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€451k€489k▲
Fixed assets21/28€292k€292k=
Financial fixed assets28€292k€292k=
Current assets29/58€159k€197k▲
Amounts receivable within one year40/41€159k€197k▲
Trade receivables40€5k€0▼
Other amounts receivable41€154k€197k▲
Cash at bank and in hand54/58€72€72=
Equity and liabilities
Total equity and liabilities10/49€451k€489k▲
Equity10/15€227k€235k▲
Contributions10/11€6k€6k=
Reserves13€40k€40k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€38k€38k=
Profit (loss) carried forward14€181k€189k▲
Amounts payable17/49€224k€253k▲
Amounts payable within one year42/48€224k€253k▲
Financial debts43€10k€10k▼
Credit institutions430/8€10k€10k▼
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€26k€37k▲
Taxes450/3€26k€37k▲
Other amounts payable47/48€184k€205k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€916-
Other operating charges640/8€2k€2k▲
Gross operating margin9900€27k€10k▼
Operating profit (loss)9901€24k€8k▼
Financial income75/76B€6k€11k▲
Recurring financial income75€6k€11k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€28k€17k▼
Income taxes67/77€4k€9k▲
Profit (loss) for the period9904€24k€8k▼
Profit (loss) for the period to be appropriated9905€24k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€181k€189k▲
Profit (loss) brought forward from the previous period14P€158k€181k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-03
Bankruptcy
Opening
Ondernemingsrechtbank Brussel · E-CT CONSULT BV STIJN STREUVELSLAAN 9, 3090 OVERIJSE · event 23-03-2026
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €59k ▲48.8%
Net result €59k, the highest in the series.
31-12
Financial
Equity above €200kEq €204k ▲6.2%
3 profitable years in a row build equity to €204k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-12
Financial
Equity above €150kEq €154k ▲15.6%
Equity rises from €133k to €154k.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
31-12
Financial
Weakest financial yearnet €-663 ▼109%
Net result drops to €-663, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 23 days late
SignalFinancial 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, Overijse · 1 establishment unit since 2012
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.
Stijn Streuvelslaan 93090 OverijseGround area
1,067 m²
Building footprint
105 m²
Volume, LiDAR
466 m³
Parcel 23543O0002/00V003, Flanders · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stijn Streuvelslaan 9, 3090 Overijse
since 20122.214.068.847
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23543O0002/00V003 | Flanders | 1,067 m² | 1 · 105 m² | 6.3 m · 2 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | THOMAS VANDENDRIES STEENWEG OP SINT JORIS
WINGE 21, 3200 AARSCHOT |
23-03-2026 → present |
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,606 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-10-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.