E & SV
ActiveSummary
E & SV has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €831k and a net result of €56k. Equity is growing by ~19.5% per year across the filed fiscal years. Its solvency ranks better than 84% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-13
Solvency100▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 5.93 against 2.88 in 2024; short-term debt: 7.1% and cash: 9.4% of total assets), and 13.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
86.4%
Return on assets
5.8%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
on the day
2023
1 d early
2022
9 d late
2021
9 d early
2020
31 d late
2019
21 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€831k▲ 7.2%
2024 · €775k
2018: €201k
2019: €272k
2020: €356k
2021: €426k
2022: €543k
2023: €707k
2024: €775k
2018 → 2025
Total assets
€961k▼ 8.5%
2024 · €1.05M
2018: €542k
2019: €635k
2020: €667k
2021: €653k
2022: €780k
2023: €945k
2024: €1.05M
2018 → 2025
Net result
€56k▼ 66.6%
2024 · €167k
2018: €77k
2019: €91k
2020: €107k
2021: €70k
2022: €118k
2023: €164k
2024: €167k
2018 → 2025
Working capital
€339k▼ 4.9%
2024 · €356k
2018: €82k
2019: €-11k
2020: €29k
2021: €70k
2022: €154k
2023: €311k
2024: €356k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€426k-€543k▲ 27.6%€707k▲ 30.1%€775k▲ 9.6%€831k▲ 7.2%
Operating result€100k-€166k▲ 66.8%€231k▲ 39.1%€228k▼ 1.6%€96k▼ 57.6%
Net result€70k-€118k▲ 68.4%€164k▲ 39.1%€167k▲ 1.9%€56k▼ 66.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 58% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €961k
Fixed assets
€554k ▲ 9.8%
Current assets
€407k ▼ 25.4%
Equity and liabilities €961k
Equity
€831k ▲ 7.2%
Debt
€131k ▼ 52.6%
Debt's share of the balance-sheet total falls from 26.2% to 13.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€122k▼
2024 · €251k
Cash flow
€81k▼
2024 · €191k
Current ratio
5.93▲
2024 · 2.88
Debt to equity
0.16▼
2024 · 0.35
ROE
6.7%▼
2024 · 21.5%
ROA
5.8%▼
2024 · 15.9%
Interest coverage
19.94▼
2024 · 42.09
Debt ≤ 1 year
€69k▼
2024 · €190k
Debt > 1 year
€62k▼
2024 · €85k
Income taxes
€27k▼
2024 · €64k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.05M€961k▼
Fixed assets21/28€504k€554k▲
Tangible fixed assets22/27€504k€542k▲
Land and buildings22€491k€471k▼
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€5k€65k▲
Financial fixed assets28€65€12k▲
Current assets29/58€546k€407k▼
Amounts receivable after more than one year29€35k€35k=
Other amounts receivable291€35k€35k=
Amounts receivable within one year40/41€179k€95k▼
Trade receivables40€30k€36k▲
Other amounts receivable41€149k€59k▼
Current investments50/53€120k€180k▲
Cash at bank and in hand54/58€200k€90k▼
Deferred charges and accrued income490/1€11k€7k▼
Equity and liabilities
Total equity and liabilities10/49€1.05M€961k▼
Equity10/15€775k€831k▲
Contributions10/11€6k€6k=
Reserves13€769k€825k▲
Tax-exempt reserves132€148k€148k=
Distributable reserves133€621k€677k▲
Amounts payable17/49€275k€131k▼
Amounts payable after more than one year17€85k€62k▼
Financial debts170/4€85k€62k▼
Amounts payable within one year42/48€190k€69k▼
Current portion of amounts payable after more than one year42€30k€23k▼
Trade debts44€6k-
Suppliers440/4€6k-
Taxes, remuneration and social security45€41k€45k▲
Taxes450/3€41k€45k▲
Other amounts payable47/48€114k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€25k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€254k€125k▼
Operating profit (loss)9901€228k€96k▼
Financial income75/76B€9k€6k▼
Recurring financial income75€9k€6k▼
Financial charges65/66B€6k€20k▲
Recurring financial charges65€6k€6k▲
Non-recurring financial charges66B-€14k
Profit (loss) for the period before taxes9903€230k€82k▼
Income taxes67/77€64k€27k▼
Profit (loss) for the period9904€167k€56k▼
Transfer to tax-exempt reserves689€63k-
Profit (loss) for the period to be appropriated9905€104k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€104k€56k▼
Transfer from equity791/2€99k-
Transfer to equity691/2€104k€56k▼
To other reserves6921€104k€56k▼
Profit to be distributed694/7€99k-
Return on contributions (dividend)694€99k-
The notes to these accounts (8 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €56k ▼66.6%
Net result drops to €56k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 5.93
Current ratio from 2.88 to 5.93; short-term debt falls from €190k to €69k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €167k ▲1.9%
Net result €167k, the highest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Equity above €500kEq €543k ▲27.6%
5 profitable years in a row build equity to €543k.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
27-06
State Gazette act
General meeting · Auditor appointment
Director resignation · Director appointment
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
29-05
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB 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, Aalst · 1 establishment unit since 2008
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.
Meersstraat 159308 AalstGround area
2,963 m²
Building footprint
220 m²
Volume, LiDAR
950 m³
Parcel 41019A0191/00D000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
E & SV
since 20082.171.916.508
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41019A0191/00D000 | Flanders | 2,963 m² | 1 · 220 m² | 7.3 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
2 locations
Similar companies · same sector, comparable size
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 29,830 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2008
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.