E.S.S.
ActiveE.S.S. has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €177k and a net result of €2k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 56% of 4530 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+10
Solvency71▲+2
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.82 against 0.71 in 2024; short-term debt: 6.8% and cash: 4.8% of total assets), and 54% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
46%
Return on assets
0.6%
Age of the figures
9 mo
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 19-05-2026, 73 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
73 d early
2024
72 d early
2023
69 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2k▲ 1,083%
2024 · €199
2023: €-26k
2024: €199
2023 → 2025
Working capital
€-5k▲ 50.3%
2024 · €-9k
2023: €45k
2024: €-9k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€174k-€174k▲ 0.1%€177k▲ 1.4%
Operating result€-19k-€6k€8k▲ 28.7%
Net result€-26k-€199€2k▲ 1,083%
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 29% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €384k
Fixed assets
€362k▼ 3.7%
Current assets
€21k▼ 6.5%
Equity and liabilities €384k
Equity
€177k▲ 1.4%
Debt
€207k▼ 7.9%
The debt ratio falls from 56.4% to 54.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k▲
2024 · €20k
Cash flow
€20k▲
2024 · €15k
Solvency
46.0%▲
2024 · 43.6%
Current ratio
0.82▲
2024 · 0.71
Quick ratio
0.82▲
2024 · 0.71
Debt / equity
1.17▼
2024 · 1.29
ROE
1.3%▲
2024 · 0.1%
ROA
0.6%▲
2024 · 0.0%
Interest coverage
4.65▲
2024 · 3.50
Debt
€207k▼
2024 · €225k
Debt ≤ 1 year
€26k▼
2024 · €32k
Debt > 1 year
€177k▼
2024 · €189k
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€399k€384k▼
Fixed assets21/28€376k€362k▼
Intangible fixed assets21€1k€847▼
Tangible fixed assets22/27€375k€361k▼
Land and buildings22€369k€355k▼
Plant, machinery and equipment23€5k€5k▲
Furniture and vehicles24€968€715▼
Current assets29/58€23k€21k▼
Amounts receivable within one year40/41€43€1k▲
Trade receivables40€43€1k▲
Cash at bank and in hand54/58€22k€18k▼
Deferred charges and accrued income490/1€491€2k▲
Equity and liabilities
Total equity and liabilities10/49€399k€384k▼
Equity10/15€174k€177k▲
Contributions10/11€200k€200k=
Profit (loss) carried forward14€-26k€-23k▲
Amounts payable17/49€225k€207k▼
Amounts payable after more than one year17€189k€177k▼
Other amounts payable178/9€189k€177k▼
Amounts payable within one year42/48€32k€26k▼
Current portion of amounts payable after more than one year42€12k€12k=
Trade debts44€19k€882▼
Suppliers440/4€19k€882▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48-€12k
Accrued charges and deferred income492/3€4k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€17k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€23k€28k▲
Operating profit (loss)9901€6k€8k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€199€2k▲
Profit (loss) for the period9904€199€2k▲
Profit (loss) for the period to be appropriated9905€199€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-23k▲
Profit (loss) brought forward from the previous period14P€-26k€-26k▲
The notes to these accounts (10 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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
25-03
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director appointment3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director appointment3 facts ▸
- General meeting, 01.10.2025
- Director resignation, Pascal PIEDBOEUF (administrateur)
- Director appointment, Céline THOMAS (administratrice)
2025
31-12
Financial
Highest result since 2023net €2k ▲1083%
Operating result €8k, net result €2k, both a record.
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €199
Net result €199 after one loss-making year.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2025
Céline THOMAS
CurrentDirector · since 01-10-2025
01-10-2025
Céline THOMAS: Appointed as Director
01-10-2025
Pascal PIEDBOEUF: Resigned as Director
Location & real-estate footprint
Registered office, Chaudfontaine · 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.
Avenue des Thermes 204050 ChaudfontaineGround area
581 m²
Building footprint
126 m²
Volume, LiDAR
883 m³
Parcel 62022C0024/00D002, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
E.S.S.
since 20222.330.759.550
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62022C0024/00D002 | Wallonia | 581 m² | 1 · 126 m² | 9.0 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.
Similar companies · same sector, comparable size
DEBACO BEHEER
BE 0898.232.470
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GELAUDE EN BOU3
BE 0540.879.423
Evergem · Eq €177k
Wellens Construct
BE 0831.129.949
Keerbergen · Eq €177k
BSP-INVEST
BE 0598.690.631
Wuustwezel · Eq €176k
LoMa Real Estate
BE 1020.525.023
Antwerpen · Eq €177k
Of 7,321 companies in sector 68110 we hold annual accounts for 5,381. 3,865 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2022
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.