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E.G. CREDITS-ASSURANCES

Active
Private limited company (pre-2019)founded 2017active for 9 yearsRue de Voroux 5, 4340 Awans, BelgiumKBO/BCE: BE 0683.920.175
Summary

The computed 12-month bankruptcy probability of E.G. CREDITS-ASSURANCES is 4.7% (elevated). The 2024 annual accounts show negative equity (-€8,298) and a net result of -€1,263. Equity has been shrinking by about 61% per year since 2018. The company has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 02-11-2017 Normal situation
Activity
No activity registered in the KBO
Establishment unit
2.269.412.592 4041 Herstal, since 03-11-2017
Financial year end
31 December
Peppol
Not found in the Peppol Directory

Board and ownership

Board
  • GUISSARD EmmanuelDirector · since 31-10-2017

Financial position

36 Weak Checked score 2024
Bankruptcy probabilitywithin 12 months
4.7%
Annual accounts 2024
Gross margin
-€830
▲ 69.1%
Loss
€1,263
▼ 59.5%
Equity
-€8,298
▼ 18.0%
Total assets
€112
▲ 72.1%
  • Negative equity on 31-12-2024
  • 2025 accounts not filed, 96 days past the deadline
Turnover not published (micro format)
Score breakdownraises riskFigures for financial year 2024 (filed on 25-07-2025)1 financial year not filed after the legal deadline; 2 of the last 3 accounts lateNo main activity registeredlowers riskSize: total assets €112Show the evidence

Checked score

Score 2024
36 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially stronger than 16% of micro companies without a NACE code
Financial strength · tick: 2023
Weak
Solvency 0=
equity -7429.7% of total assets
Liquidity 50=
short-term debt 7182.9% · cash 100.0%
Profitability 0=
return on assets -1131.2%
Bankruptcy probability within 12 months
4.7% Elevated
0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 3.0% 01-2025: 3.0%● unchanged vs 12-2024 02-2025: 3.0%● unchanged vs 01-2025 03-2025: 3.1%▲ +0.1 percentage points vs 02-2025 04-2025: 3.1%● unchanged vs 03-2025 05-2025: 3.1%● unchanged vs 04-2025 06-2025: 3.1%● unchanged vs 05-2025 07-2025: 3.2%▲ +0.1 percentage points vs 06-2025 08-2025: 2.4%▼ -0.8 percentage points vs 07-2025 09-2025: 2.4%● unchanged vs 08-2025 10-2025: 2.4%● unchanged vs 09-2025 11-2025: 2.4%● unchanged vs 10-2025 12-2025: 1.9%▼ -0.5 percentage points vs 11-2025 01-2026: 1.9%● unchanged vs 12-2025 02-2026: 1.9%● unchanged vs 01-2026 03-2026: 1.8%▼ -0.1 percentage points vs 02-2026 04-2026: 1.8%● unchanged vs 03-2026 05-2026: 1.8%● unchanged vs 04-2026 06-2026: 1.8%● unchanged vs 05-2026lowest value 07-2026: 1.8%● unchanged vs 06-2026 08-2026: 2.6%▲ +0.8 percentage points vs 07-2026 09-2026: 2.9%▲ +0.3 percentage points vs 08-2026 10-2026: 4.7%▲ +1.8 percentage points vs 09-2026highest value 11-2026: 4.7%● unchanged vs 10-2026highest value
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 5% of them on solvency, 35% on liquidity, 4% on profitability and 18% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Figures for financial year 2024 (filed on 25-07-2025)
NBB · annual accounts
lowers risk · Size: total assets €112
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; 2 of the last 3 accounts late
NBB · filings
raises risk · No main activity registered
KBO
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
18192021222324
2018 to 2024 · latest year -€8,298
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 96 days later.
NBB · 7 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline04-11-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
not filed
2024
6 days early
2023
57 days late
2022
31 days late
2021
31 days late
2020
27 days late
2019
118 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

The company filed its last 6 accounts on average 43 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2024 -€8,298 View
  • Risk: 7 loss-making years in a rowloss in financial year 2024 -€1,263 View

Recent changes

  1. · Gazette deed Incorporation
All 9 events

Key facts about E.G. CREDITS-ASSURANCES

What is the company number of E.G. CREDITS-ASSURANCES?
The company number of E.G. CREDITS-ASSURANCES is 0683.920.175. The VAT number is the same number with BE in front: BE 0683.920.175.
Where is E.G. CREDITS-ASSURANCES based?
The registered office is at Rue de Voroux 5, 4340 Awans.Company details
What is the legal form of E.G. CREDITS-ASSURANCES?
The legal form of E.G. CREDITS-ASSURANCES is Private limited company (pre-2019) (BVBA).
When was E.G. CREDITS-ASSURANCES founded?
E.G. CREDITS-ASSURANCES was founded on 02-11-2017.
Is E.G. CREDITS-ASSURANCES still active?
Yes, E.G. CREDITS-ASSURANCES is an active enterprise in the KBO register.
What is the turnover of E.G. CREDITS-ASSURANCES?
The annual accounts for financial year 2024 state no turnover. The micro format does not require it.Financials
Is E.G. CREDITS-ASSURANCES profitable?
In financial year 2024, E.G. CREDITS-ASSURANCES made a loss of €1,263.
Where can I find the annual accounts of E.G. CREDITS-ASSURANCES?
E.G. CREDITS-ASSURANCES filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

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