E&S enterprise
ActiveThe computed 12-month bankruptcy probability of E&S enterprise is 2.9% (moderate). The 2025 annual accounts show equity of €47k and a net result of €12k. Equity is growing by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 4527 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▼-3
Solvency100=
Growth35=
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 5.38 against 32.69 in 2024; short-term debt: 17.7% and cash: 87.2% of total assets), and 17.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.3%
Return on assets
21%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
1 d early
2023
78 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€51k▲ 19.6%
2024 · €43k
2023: €65k
2024: €43k
2023 → 2025
EBIT margin
30.0%▼ 2.4pp
2024 · 32.4%
2023: 34.3%
2024: 32.4%
2023 → 2025
Net result
€12k▼ 13.2%
2024 · €14k
2023: €22k
2024: €14k
2023 → 2025
Working capital
€44k▲ 25.4%
2024 · €35k
2023: €23k
2024: €35k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€65k-€43k▼ 34.8%€51k▲ 19.6%
Equity€24k-€38k▲ 56.6%€47k▲ 22.8%
Operating result€22k-€14k▼ 38.4%€15k▲ 10.6%
Net result€22k-€14k▼ 38.3%€12k▼ 13.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€3k▼ 6.8%
Current assets
€54k▲ 49.3%
Equity and liabilities €57k
Equity
€47k▲ 22.8%
Debt
€10k▲ 807%
The debt ratio rises from 2.8% to 17.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€17k▲
2024 · €15k
Cash flow
€13k▼
2024 · €15k
Solvency
82.3%▼
2024 · 97.2%
Current ratio
5.38▼
2024 · 32.69
Quick ratio
5.38▼
2024 · 32.69
Debt / equity
0.21▲
2024 · 0.03
ROE
25.6%▼
2024 · 36.1%
ROA
21.0%▼
2024 · 35.1%
Interest coverage
56.36▼
2024 · 14878.00
Debt
€10k▲
2024 · €1k
Debt ≤ 1 year
€10k▲
2024 · €1k
Income taxes
€3k
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€39k€57k▲
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€3k€3k▼
Current assets29/58€36k€54k▲
Amounts receivable within one year40/41€7k€4k▼
Trade receivables40€3k-
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€30k€50k▲
Equity and liabilities
Total equity and liabilities10/49€39k€57k▲
Equity10/15€38k€47k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€36k€45k▲
Amounts payable17/49€1k€10k▲
Amounts payable within one year42/48€1k€10k▲
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€990€1k▲
Suppliers440/4€990€1k▲
Taxes, remuneration and social security45€120€3k▲
Taxes450/3€120€3k▲
Other amounts payable47/48-€500
Income statement
Code20242025
Turnover70€43k€51k▲
Goods, raw materials, services and sundry goods60/61€27k€34k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€996€2k▲
Gross operating margin9900€16k€18k▲
Operating profit (loss)9901€14k€15k▲
Financial charges65/66B€1€297▲
Recurring financial charges65€1€297▲
Profit (loss) for the period before taxes9903€14k€15k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€14k€12k▼
Profit (loss) for the period to be appropriated9905€14k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€45k▲
Profit (loss) brought forward from the previous period14P€22k€33k▲
The notes to these accounts (3 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €12k ▼13.2%
Net result drops to €12k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 10current ratio 32.69
Current ratio from 3.22 to 32.69; short-term debt falls from €10k to €1k.
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 78 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, Sint-Niklaas · 1 establishment unit since 2022
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.
Truweelstraat 60 B9100 Sint-NiklaasGround area
163 m²
Building footprint
163 m²
Volume, LiDAR
1,069 m³
Parcel 46443E0132/00K000, Flanders · tallest building 15.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
E&S enterprise
since 20222.337.177.782
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46443E0132/00K000 | Flanders | 163 m² | 1 · 163 m² | 15.3 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 111 EUR awarded · 111 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 111 EUR | 111 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 6,687 companies in sector 49330 we hold annual accounts for 2,286. 1,883 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2022
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
49390Land transport and transport via pipelines
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:barrow_and_brothers@hotmail.com
Phone:0485994924