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E&S

Active
Elisabethlaan 112 ·2600 Antwerpen, Belgium
KBO/BCE: BE 0502.695.174
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Age13 yrs
Real estate3 parcels · 11.2 ha

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of E&S is 1.1% (low). The 2025 annual accounts show equity of €48k and a net result of €3k. The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.1% Low
0%0,5%1,5%4%10%≥25%
Multiple establishment units +Higher-failure-rate sector +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-05-2026, 73 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 19-05-2026 73 d early 2026-00113436
31-12-2024 31-07-2025 18-06-2025 43 d early 2025-00148951
31-12-2023 31-07-2024 01-07-2024 30 d early 2024-00202450
31-12-2022 31-07-2023 09-05-2023 83 d early 2023-00084852
30-09-2021 30-04-2022 30-03-2022 31 d early 2022-09500138
30-09-2020 30-04-2021 30-03-2021 31 d early 2021-09100160
30-09-2019 30-04-2020 01-04-2020 29 d early 2020-08300429
30-09-2018 30-04-2019 19-04-2019 11 d early 2019-10300199
30-09-2017 30-04-2018 30-03-2018 31 d early 2018-09200060
30-09-2016 30-04-2017 29-03-2017 32 d early 2017-07600212

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Established
Founded in 2013, 13 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€3k
Working capital€-3k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 19-05-2026 with the NBB · fiscal year 2025 · micro
Fiscal year2025
Depositmicro
Revenue-
EBITDA€35k
Net profit€3k
Cash flow€15k
Staff costs€307k
Income taxes€2k
Dividends€21k
Total assets€218k
Equity€48k
Debt€170k
of which ≤ 1y€170k
of which > 1y-
Working capital€-3k
Employees (FTE)15.0
Ratios (computed)
2025
Current ratio0.98
Quick ratio0.98
Working capital ratio-1.5%
Solvency22.0%
Debt / equity3.54
Long-term debt ratio-
Interest coverage2.03
Gross margin-
Net margin-
ROA1.5%
ROE6.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€218k
Fixed assets 21/28€51k
Tangible fixed assets 22/27€51k
Current assets 29/58€166k
Amounts receivable within one year 40/41€162k
Cash & bank 54/58€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€218k
Equity 10/15€48k
Contributions / capital 10/11€19k
Reserves 13€29k
Accumulated profits (losses) 14€291
Amounts payable 17/49€170k
Amounts payable within one year 42/48€170k
Trade debts payable within one year 44€32k
Income statement
Gross operating margin 9900€343k
Operating result 9901€23k
Financial income 75€0
Financial charges 65€17k
Result before taxes 9903€6k
Income taxes 67/77€2k
Net result for the period 9904€3k
Result to be appropriated 9905€3k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
36 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Elisabethlaan 1122600 Antwerpen

Establishment units

3 locations
JBC Mode NV
Kapelstraat 100, 9100 Sint-NiklaasHandelsbemiddeling in textiel, kleding, schoeisel en artikelen van leer
since 20132.216.164.542
JBC Mode
Stationsplein 6, 9100 Sint-NiklaasHandelsbemiddeling in de groothandel in textiel, kleding, bont, schoeisel en lederwaren
since 20202.306.216.273
Filou & Friends
Kapelstraat 100, 9100 Sint-NiklaasDetailhandel in baby- en kinderbovenkleding
since 20262.392.086.712
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels3
Ground area11.2 ha
Buildings3
Building footprint5.4 ha
Volume (LiDAR)417,500 m³
Tallest building19.2 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46445D1155/00R000 Flanders 10.8 ha 1 · 5.0 ha 18.2 m · 2 fl.
46447B0471/00Z006indicative Flanders 3,938 m² 1 · 3,924 m² 19.1 m · 2 fl.
11303C0232/00H006 Flanders 210 m² 1 · 93 m² 11.0 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts
Address history · 2
23-09-2024
Registered-office move
19-07-2022
Registered-office move
All acts · 2 updated 1 year ago
2024
23-09-2024 Registered office moved from Antwerpen to Berchem Registered-office change
  • Ternickstraat 15 B001- 2000 Antwerpen → Elisabethlaan 112 bus 1 2600 Berchem
2022
19-07-2022 Registered office moved Registered-office change·Karl Van Looy
Notary: Karl Van Looy · Antwerpen

Analysis

Financial profile

4 of 5 axes measured
Health36Profitability34Solvency30Growth-Stability85
46 / 100

Mixed profile: strong on stability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 36
Profitability 34
Solvency 30
Growth -
Stability 85

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 68 of the 800 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Groothandel in machines, werktuigen en toebehoren voor de landbouw46610Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)47716
Primary activity highlighted.
Names & trade names
Legal nameNL E&S
Registered office
Elisabethlaan 112 bus 1
2600 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.