E-one
ActiveSummary
The computed 12-month bankruptcy probability of E-one is 2.1% (moderate). The 2025 annual accounts show equity of €49,565 and a net result of €7,483. Equity has been growing by about 37% per year since 2023. Its solvency ranks better than 84% of 22,774 sector peers (NACE 47, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 01-06-2023 Normal situation
- Activity
- Retail sale of bicycles NACE 47632and 1 other
- Establishment unit
- 2.346.579.557 2350 Vosselaar, since 01-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 06-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.1%
Annual accounts 2025
- Gross margin
- €24,571
- ▼ 46.7%
- Turnover
- ≈ €180,000
- estimated
- Profit
- €7,483
- ▼ 67.8%
- Equity
- €49,565
- ▲ 17.8%
- Total assets
- €65,921
- ▲ 2.7%
Score breakdownraises riskFounded in 2023Size: total assets €65,921Liquidity: current ratio 3.99, cash €748, halvedSector: Retail trade (NACE 47)Show the evidence
Checked score
Score 2025
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 70% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency
100+9
equity 75.2% of total assets
Liquidity
43-2
short-term debt 23.3% · cash 1.1%
Profitability
83-17
return on assets 11.4%
Bankruptcy probability within 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%lowest value
01-2025: 1.0%▲ +0.1 percentage points vs 12-2024
02-2025: 1.0%● unchanged vs 01-2025
03-2025: 1.0%● unchanged vs 02-2025
04-2025: 1.1%▲ +0.1 percentage points vs 03-2025
05-2025: 1.2%▲ +0.1 percentage points vs 04-2025
06-2025: 1.2%● unchanged vs 05-2025
07-2025: 2.0%▲ +0.8 percentage points vs 06-2025
08-2025: 2.0%● unchanged vs 07-2025
09-2025: 2.0%● unchanged vs 08-2025
10-2025: 2.0%● unchanged vs 09-2025
11-2025: 2.0%● unchanged vs 10-2025
12-2025: 2.0%● unchanged vs 11-2025
01-2026: 1.9%▼ -0.1 percentage points vs 12-2025
02-2026: 1.7%▼ -0.2 percentage points vs 01-2026
03-2026: 1.7%● unchanged vs 02-2026
04-2026: 1.8%▲ +0.1 percentage points vs 03-2026
05-2026: 1.9%▲ +0.1 percentage points vs 04-2026
06-2026: 1.9%● unchanged vs 05-2026
07-2026: 2.0%▲ +0.1 percentage points vs 06-2026
08-2026: 2.0%● unchanged vs 07-2026
09-2026: 2.1%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 2.1%● unchanged vs 09-2026highest value
11-2026: 2.1%● unchanged vs 10-2026highest value
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.99 (2.69 in 2024), above the usual 1.5. Short-term debt is 23.3% and cash 1.1% of total assets. 24.8% of the assets are financed with debt and provisions.
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 (NACE 47, micro). It does better than 92% of them on solvency, 41% on liquidity, 76% on profitability and 71% 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).
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
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 09-07-2026, 22 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
22 days early
2024
37 days early
2023
43 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 34 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 June (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 09-07-2026 at the NBB all 3 filings
Turnover
≈ €180,000
Estimated: probably between €93,000 and €400,000
Total assets
€65,921▲ 2.7%
2024 · €64,198
Net result
€7,483▼ 67.8%
2024 · €23,266
Working capital
€45,906▲ 39.6%
2024 · €32,893
Multi-year overview
2023 to 2025, 3 financial yearsOperating result
€10,581
▼ 66.7%
2025
20232025
Net result
€7,483
▼ 67.8%
2025
middle half of the sector
20232025
Equity
€49,565
▲ 17.8%
2025
middle half of the sector
20232025
Total assets
€65,921
▲ 2.7%
2025
middle half of the sector
20232025
Debt
€16,356
▼ 26.0%
2025
20232025
Working capital
€45,906
▲ 39.6%
2025
middle half of the sector
20232025
Solvency
75.2%
▲ 9.6pp
2025
highest quarter of the sector
20232025
Current ratio
3.99
▲ 1.30
2025
highest quarter of the sector
20232025
Return on assets (ROA)
11.4%
▼ 24.9pp
2025
middle half of the sector
20232025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line202320242025
Operating result€20,778-€31,755▲ 52.8%€10,581▼ 66.7%
Net result€15,816within the sector's middle half-€23,266above the sector's middle half▲ 47.1%€7,483within the sector's middle half▼ 67.8%
Equity€18,816within the sector's middle half-€42,082within the sector's middle half▲ 124%€49,565within the sector's middle half▲ 17.8%
Total assets€46,230below the sector's middle half-€64,198within the sector's middle half▲ 38.9%€65,921within the sector's middle half▲ 2.7%
Debt€27,414-€22,117▼ 19.3%€16,356▼ 26.0%
Working capital€2,727within the sector's middle half-€32,893within the sector's middle half▲ 12×€45,906within the sector's middle half▲ 39.6%
Solvency40.7%within the sector's middle half-65.5%above the sector's middle half▲ 24.8pp75.2%above the sector's middle half▲ 9.6pp
Current ratio1.10within the sector's middle half-2.69within the sector's middle half▲ 1.583.99above the sector's middle half▲ 1.30
Return on assets (ROA)34.2%above the sector's middle half-36.2%above the sector's middle half▲ 2.0pp11.4%within the sector's middle half▼ 24.9pp
above
within
below
The sector band is the middle half of the companies in Retail trade (NACE 47). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 67% lower than in 2024 and the lowest since 2023.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65,921
Fixed assets
€4,656 ▼ 60.5%
Current assets
€61,265 ▲ 16.9%
Equity and liabilities €65,921
Equity
€49,565 ▲ 17.8%
Debt
€16,356 ▼ 26.0%
Debt's share of the balance-sheet total falls from 34.5% to 24.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17,725▼
2024 · €38,646
Cash flow
€14,627▼
2024 · €30,157
Debt to equity
0.33▼
2024 · 0.53
ROE
15.1%▼
2024 · 55.3%
Interest coverage
94.37▲
2024 · 38.55
Debt ≤ 1 year
€15,359▼
2024 · €19,505
Income taxes
€2,912▼
2024 · €7,494
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €20,000 | €1,637 | - |
| Financial fixed assets | - | - | €0 |
| Depreciation and write-downs of the year | €2,740 | €6,891 | €7,144 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,740 | €6,891 | €7,144 | ▲ 3.7% |
| Other operating charges640/8 | €4,112 | €7,454 | €6,847 | ▼ 8.1% |
| Gross operating margin9900 | €27,629 | €46,100 | €24,571 | ▼ 46.7% |
| Operating profit (loss)9901 | €20,778 | €31,755 | €10,581 | ▼ 66.7% |
| Financial income75/76B | €0 | €8 | €2 | ▼ 76.1% |
| Recurring financial income75 | €0 | €8 | €2 | ▼ 76.1% |
| Financial charges65/66B | €452 | €1,003 | €188 | ▼ 81.3% |
| Recurring financial charges65 | €452 | €1,003 | €188 | ▼ 81.3% |
| Profit (loss) for the period before taxes9903 | €20,326 | €30,760 | €10,395 | ▼ 66.2% |
| Income taxes67/77 | €4,510 | €7,494 | €2,912 | ▼ 61.1% |
| Profit (loss) for the period9904 | €15,816 | €23,266 | €7,483 | ▼ 67.8% |
| Profit (loss) for the period to be appropriated9905 | €15,816 | €23,266 | €7,483 | ▼ 67.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €46,230 | €64,198 | €65,921 | ▲ 2.7% |
| Fixed assets21/28 | €17,260 | €11,800 | €4,656 | ▼ 60.5% |
| Tangible fixed assets22/27 | €17,260 | €11,800 | €4,656 | ▼ 60.5% |
| Plant, machinery and equipment23 | - | €1,206 | €729 | ▼ 39.5% |
| Furniture and vehicles24 | €17,260 | €10,594 | €3,927 | ▼ 62.9% |
| Current assets29/58 | €28,970 | €52,398 | €61,265 | ▲ 16.9% |
| Amounts receivable within one year40/41 | €17,381 | €48,195 | €60,517 | ▲ 25.6% |
| Trade receivables40 | €7,200 | €9,762 | €9,302 | ▼ 4.7% |
| Other amounts receivable41 | €10,181 | €38,434 | €51,215 | ▲ 33.3% |
| Cash at bank and in hand54/58 | €11,167 | €4,203 | €748 | ▼ 82.2% |
| Deferred charges and accrued income490/1 | €422 | - | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €46,230 | €64,198 | €65,921 | ▲ 2.7% |
| Equity10/15 | €18,816 | €42,082 | €49,565 | ▲ 17.8% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | - | - | €46,565 | - |
| Distributable reserves133 | - | - | €46,565 | - |
| Profit (loss) carried forward14 | €15,816 | €39,082 | €0 | ▼ 100% |
| Amounts payable17/49 | €27,414 | €22,117 | €16,356 | ▼ 26.0% |
| Amounts payable within one year42/48 | €26,243 | €19,505 | €15,359 | ▼ 21.3% |
| Current portion of amounts payable after more than one year42 | €10,000 | €10,000 | €0 | ▼ 100% |
| Financial debts43 | - | €963 | €10,000 | ▲ 938% |
| Credit institutions430/8 | - | €963 | €10,000 | ▲ 938% |
| Trade debts44 | €8,811 | €2,245 | €3,475 | ▲ 54.8% |
| Suppliers440/4 | €8,811 | €2,245 | €3,475 | ▲ 54.8% |
| Taxes, remuneration and social security45 | €7,432 | €6,297 | €1,884 | ▼ 70.1% |
| Taxes450/3 | €4,932 | €6,297 | €1,884 | ▼ 70.1% |
| Remuneration and social security454/9 | €2,500 | - | - | - |
| Accrued charges and deferred income492/3 | €1,171 | €2,611 | €997 | ▼ 61.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,816 | €23,266 | €7,483 | ▼ 67.8% |
| + Depreciation and write-downs630 | €2,740 | €6,891 | €7,144 | ▲ 3.7% |
| Operating cash flow (approximation) | €18,556 | €30,157 | €14,627 | ▼ 51.5% |
| Investment in fixed assets (approximation) | - | -€1,431 | €0 | - |
| Change in cash | - | -€6,964 | -€3,455 | ▲ 50.4% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as E-one has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
95.8%
was still going
2.3%
stopped otherwise
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of E-one itself: 2.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for E-one. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Directors
1 director, no change since 2023
VANSWEEVELT,Steve Gustaaf Johan
Current
Director (not named in the articles) · appointed in the act of 05-06-2023 · term without a fixed end · listed in the 2025 annual accounts, filed on 09-07-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 05-06-2023Owners and capital
Shareholders
At incorporation
act of 05-06-2023 ↗
- VANSWEEVELT,Steve Gustaaf Johan €1,530
- STOBBAERTS,Kristien Maria Willy €1,470
Capital transactions
Capital over time
- 05-06-2023 Incorporation · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Handelingen die wet of statuten aan algemene vergadering voorbehouden, ad nutum bij besluit van de algemene vergadering”
Articles of association, deed of 05-06-2023 (in Dutch)
Network & group
E-one shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of E-one. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
09-07
micro format · 22 days before the deadline
2025
31-12
Financial
Weakest financial yearnet €7,483 ▼67.8%
The net result drops to €7,483, the lowest from 2023 to 2025.
24-06
micro format · 37 days before the deadline
2024
31-12
Financial
Highest result from 2023 to 2025net €23,266 ▲47.1%
The operating result of €31,755 and the net result of €23,266 are both a record.
31-12
Financial
Liquidity more than doubledcurrent ratio 2.69
The current ratio rises from 1.10 to 2.69. Short-term debt falls from €26,243 to €19,505.
18-06
micro format · 43 days before the deadline
2023
05-06
Gazette deed
IncorporationAppointment: VANSWEEVELT,Steve Gustaaf Johan (director) · Founder · Founding capital5 points ▸
Gazette deed
Incorporation
Appointment: VANSWEEVELT,Steve Gustaaf Johan (director) · Founder · Founding capital5 points ▸
- Founder, VANSWEEVELT,Steve Gustaaf Johan
- Founder, STOBBAERTS,Kristien Maria Willy
- Incorporation, “E-one” (deed in Dutch)
- Director appointment, VANSWEEVELT,Steve Gustaaf Johan (director (not named in the articles))
- Founding capital
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
E-one in Dutch
Enterprise number
0802.313.031
Legal form
Private limited company
Status
Active, normale toestand
Founded
01-06-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 05-06-2023 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest, 2350 Vosselaar,Wielewaalstraat 22”
deed of 05-06-2023 (in Dutch)Registered office and establishments
Registered office
Wielewaalstraat 22, 2350 Vosselaar, Belgium
Establishment unit
E-one, Wielewaalstraat 22, 2350 Vosselaar since 01-06-2023 · unit number 2.346.579.557
Activities
NACEBEL 202547632
Retail sale of bicycles main activity
95290
Repair and maintenance of other personal and household goods
Codes under NACEBEL 2008
47785
Retail trade main activity
95290
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 05-06-2023 (in Dutch)
“De groot- en kleinhandel,de in- en uitvoer van alle nieuwe en tweedehandse fietsen,elektrische fietsen,fietsen met…”
19 activities
- De groot- en kleinhandel,de in- en uitvoer van alle nieuwe en tweedehandse fietsen,elektrische fietsen,fietsen met hulpmotor,bromfietsen,onderdelen,accessoires,fietskledij en -uitrusting,helmen,fitnesstoestellen- en artikelen;de assemblage,het onderhoud en de herstelling van alle voormelde fietsen
- Handelsagentuur voor fietsmerken
- Handelsbemiddeling in fietsen en andere rijwielen zonder motor,inclusief bakfietsen,tandems en ook kinderfietsen en -driewielers
- Fitnesstoestellen en hun toebehoren
- Het ontwerp en de ontwikkeling van nieuwe fietsen
- Het verhuren van alle fietsen en bromfietsen
- Het organiseren van fietswedstrijden,seminaries en fietsbegeleiding
- Het promoten van de fiets en/of fietssport in het algemeen
- De aan- en verkoop van allerhande goederen
- Het reinigen van auto’s,werfwagens en alle andere soorten voertuigen zowel het interieur als het exterieur
- Het reinigen van nieuwe gebouwen na beëindiging van de bouwwerkzaamheden
- Het reinigen van het interieur van allerlei gebouwen:kantoren,fabrieken,winkels,scholen,appartementsgebouwen,enzovoort
- Het lappen van ramen
- Het uitvoeren van alle schoonmaakwerken en onderhoudswerken inbegrepen het wassen van ruimten,van private-,handels- en nijverheidseigendommen,zowel privaat als openbaar,en alle activiteiten die verband houden met schoonmaak- en onderhoudswerken
- Het verstrekken van adviezen in verband met schoonmaak-,stof- en milieuproblemen,de handel en fabricage,import- en export van schoonmaakmachines en alle reinigingsapparatuur in de breedste zin van het woord,gereedschappen,hulpmiddelen en chemische producten ten behoeve van reinigen en onderhoud van gebouwen,zowel binnen als buiten,evenals alle werkzaamheden en producten die met dit alles rechtstreeks of onrechtstreeks verband houden
- De kleinhandel,groothandel en handelsbemiddeling in onderhoudsproducten en reinigingsproducten van diverse aard
- Het lesgeven in verband met de eerder genoemde activiteiten
- Het beheren en oordeelkundig uitbreiden van het patrimonium van de vennootschap in de ruimte zin van het woord,alle beschikbare middelen te beleggen of weder beleggen,zowel in roerende als onroerende goederen,voor eigen rekening en dit zowel bij wijze van verhuur,verkoop,beheer,ruil of leasing
- Consulting
Invoicing and payment
VAT number
BE 0802.313.031
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Friday of June at 19:00
deed of 05-06-2023 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
1,194 m²
Building footprint
257 m²
Building volume
1,276 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13046B0320/00L002 | Flanders | 1,194 m² | 1 · 257 m² | 7.9 m · 2 |