E³V
ActiveSummary
E³V has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €-815. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 41% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-52
Solvency64▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 4.62 against 2.81 in 2024; short-term debt: 21.5% and cash: 44.3% of total assets), but 60.7% 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+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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
39.3%
Return on assets
-1.2%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
14 d late
2023
40 d early
2022
32 d early
2021
61 d late
2020
9 d late
2019
14 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▼ 2.9%
2024 · €28k
2018: €4k
2019: €-4k
2020: €11k
2021: €10k
2022: €27k
2023: €28k
2024: €28k
2018 → 2025
Total assets
€70k▼ 18.5%
2024 · €86k
2018: €83k
2019: €67k
2020: €80k
2021: €81k
2022: €119k
2023: €100k
2024: €86k
2018 → 2025
Net result
€-815
2024 · €93
2018: €5k
2019: €-8k
2020: €15k
2021: €-1k
2022: €17k
2023: €960
2024: €93
2018 → 2025
Working capital
€55k=
2024 · €55k
2018: €21k
2019: €14k
2020: €31k
2021: €23k
2022: €47k
2023: €53k
2024: €55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€27k▲ 176%€28k▲ 3.5%€28k▲ 0.3%€28k▼ 2.9%
Operating result€-1k-€21k€1k▼ 93.3%€524▼ 62.3%€-10k
Net result€-1k-€17k€960▼ 94.5%€93▼ 90.3%€-815
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €524 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€515 ▼ 60.5%
Current assets
€70k ▼ 17.8%
Equity and liabilities €70k
Equity
€28k ▼ 2.9%
Debt
€43k ▼ 26.1%
Debt's share of the balance-sheet total falls from 67.0% to 60.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-9k▼
2024 · €2k
Cash flow
€-27▼
2024 · €1k
Current ratio
4.62▲
2024 · 2.81
Quick ratio
3.54▲
2024 · 2.30
Debt to equity
1.55▼
2024 · 2.03
ROE
-3.0%▼
2024 · 0.3%
ROA
-1.2%▼
2024 · 0.1%
Interest coverage
-110.02▼
2024 · 8.45
Debt ≤ 1 year
€15k▼
2024 · €30k
Debt > 1 year
€28k=
2024 · €28k
Income taxes
€0▼
2024 · €348
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€86k€70k▼
Fixed assets21/28€1k€515▼
Tangible fixed assets22/27€1k€515▼
Plant, machinery and equipment23€1k€515▼
Furniture and vehicles24€0-
Current assets29/58€85k€70k▼
Stocks and contracts in progress3€15k€16k▲
Stocks30/36€15k€16k▲
Amounts receivable within one year40/41€23k€20k▼
Trade receivables40€22k€18k▼
Other amounts receivable41€545€2k▲
Cash at bank and in hand54/58€44k€31k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€86k€70k▼
Equity10/15€28k€28k▼
Contributions10/11€19k€19k=
Reserves13€18k€18k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€15k€15k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-8k€-9k▼
Amounts payable17/49€58k€43k▼
Amounts payable after more than one year17€28k€28k=
Other amounts payable178/9€28k€28k=
Amounts payable within one year42/48€30k€15k▼
Current portion of amounts payable after more than one year42-€5k
Financial debts43€5k€0▼
Other loans439€5k€0▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€12k€4k▼
Taxes450/3€10k€4k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€9k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€788▼
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€8k€0▼
Gross operating margin9900€12k€-6k▼
Operating profit (loss)9901€524€-10k▼
Financial income75/76B€109€9k▲
Recurring financial income75€109€9k▲
Financial charges65/66B€191€81▼
Recurring financial charges65€191€81▼
Profit (loss) for the period before taxes9903€441€-815▼
Income taxes67/77€348€0▼
Profit (loss) for the period9904€93€-815▼
Profit (loss) for the period to be appropriated9905€93€-815▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-9k▼
Profit (loss) brought forward from the previous period14P€-8k€-8k▲
The notes to these accounts (7 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
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Lommel · 1 establishment unit since 1995
Ground area
993 m²
Building footprint
160 m²
Volume, LiDAR
802 m³
Parcel 72345B0782/00F000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
E³V
since 19952.071.201.903
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72345B0782/00F000 | Flanders | 993 m² | 1 · 160 m² | 6.5 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
2022 to 2025 · 4 entries · 912 EUR awarded · 912 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 219 EUR | 219 EUR |
| 2024 | 1 | 398 EUR | 398 EUR |
| 2023 | 1 | 41 EUR | 41 EUR |
| 2022 | 1 | 254 EUR | 254 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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LinkEdge
BE 1014.612.278
Gent · Eq €27,543
DiEcotech
BE 0791.521.582
Nazareth-De Pinte · Eq €27,546
Borrenberghs Bjorn
BE 0744.629.507
Wellen · Eq €27,548
Of 22,815 companies in sector 43211 we hold annual accounts for 10,325. 7,848 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 (pre-2019)
Founded29-03-1995
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43320Joinery installation
43332Laying of wooden floor and wall coverings
49330On-demand passenger transport by chauffeured vehicle
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.