E & S
ActiveE & S has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €-9k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 73% of 27619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-69
Solvency94▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.47 against 4.07 in 2024; short-term debt: 27.5% and cash: 0% of total assets), and 31.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 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
29 d late
2024
30 d late
2023
23 d late
2022
25 d late
2021
121 d late
2020
30 d late
2019
48 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▼ 8.4%
2024 · €106k
2018: €38k
2019: €44k
2020: €62k
2021: €79k
2022: €85k
2023: €85k
2024: €106k
2018 → 2025
Total assets
€141k▲ 2.3%
2024 · €138k
2018: €75k
2019: €68k
2020: €86k
2021: €116k
2022: €129k
2023: €125k
2024: €138k
2018 → 2025
Net result
€-9k
2024 · €21k
2018: €1k
2019: €6k
2020: €26k
2021: €26k
2022: €16k
2023: €17k
2024: €21k
2018 → 2025
Working capital
€96k▼ 1.9%
2024 · €98k
2018: €31k
2019: €37k
2020: €56k
2021: €70k
2022: €79k
2023: €74k
2024: €98k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€85k▲ 7.3%€85k=€106k▲ 25.3%€97k▼ 8.4%
Operating result€29k-€21k▼ 27.7%€21k▲ 3.8%€25k▲ 15.3%€2k▼ 90.7%
Net result€26k-€16k▼ 40.4%€17k▲ 5.4%€21k▲ 28.5%€-9k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 91% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141k
Fixed assets
€6k▼ 23.2%
Current assets
€135k▲ 3.9%
Equity and liabilities €141k
Equity
€97k▼ 8.4%
Debt
€44k▲ 37.9%
The debt ratio rises from 23.1% to 31.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4k▼
2024 · €27k
Cash flow
€-7k▼
2024 · €24k
Solvency
68.8%▼
2024 · 76.9%
Current ratio
3.47▼
2024 · 4.07
Quick ratio
3.47▼
2024 · 4.07
Debt / equity
0.45▲
2024 · 0.30
ROE
-9.2%▼
2024 · 20.2%
ROA
-6.3%▼
2024 · 15.5%
Interest coverage
0.94▼
2024 · 13.34
Debt
€44k▲
2024 · €32k
Debt ≤ 1 year
€39k▲
2024 · €32k
Debt > 1 year
€5k
Income taxes
€7k▲
2024 · €1k
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€138k€141k▲
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€8k€6k▼
Plant, machinery and equipment23€147€22▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€6k€5k▼
Current assets29/58€130k€135k▲
Amounts receivable within one year40/41€130k€119k▼
Trade receivables40€4k€1k▼
Other amounts receivable41€126k€118k▼
Cash at bank and in hand54/58€33€40▲
Deferred charges and accrued income490/1-€16k
Equity and liabilities
Total equity and liabilities10/49€138k€141k▲
Equity10/15€106k€97k▼
Contributions10/11€6k€6k=
Reserves13€15k€15k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€85k€76k▼
Amounts payable17/49€32k€44k▲
Amounts payable after more than one year17-€5k
Financial debts170/4-€5k
Amounts payable within one year42/48€32k€39k▲
Current portion of amounts payable after more than one year42€12k€5k▼
Financial debts43€2k€2k▲
Credit institutions430/8€2k€2k▲
Trade debts44€10k€17k▲
Suppliers440/4€10k€17k▲
Taxes, remuneration and social security45€7k€15k▲
Taxes450/3€7k€15k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€681€1k▲
Gross operating margin9900€28k€5k▼
Operating profit (loss)9901€25k€2k▼
Financial income75/76B€1€1▼
Recurring financial income75€1€1▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€23k€-2k▼
Income taxes67/77€1k€7k▲
Profit (loss) for the period9904€21k€-9k▼
Profit (loss) for the period to be appropriated9905€21k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€85k€76k▼
Profit (loss) brought forward from the previous period14P€64k€85k▲
The notes to these accounts (6 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Weakest financial yearnet €-9k ▼142%
Net result drops to €-9k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
31-12
Financial
Equity above €100kEq €106k ▲25.3%
7 profitable years in a row build equity to €106k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 121 days late
2021
31-12
Financial
Highest result since 2018net €26k ▲0.9%
Net result €26k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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 2001
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.
Fr. Verbeekstraat 1863090 OverijseGround area
1,044 m²
Building footprint
86 m²
Volume, LiDAR
657 m³
Parcel 23062B0137/00E002, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Fr. Verbeekstraat 186, 3090 Overijse
since 20012.100.203.121
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0137/00E002 | Flanders | 1,044 m² | 1 · 86 m² | 11.2 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 114 EUR awarded · 114 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 54 EUR | 54 EUR |
| 2023 | 1 | 60 EUR | 60 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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ROGER ROZEIN
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L'AUBIER
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Of 20,025 companies in sector 43320 we hold annual accounts for 9,136. 7,707 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-12-2000
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.