E&W FINANCE

Active

Private limited companyfounded 20233 yrs activeAarschotsesteenweg 554, 3012 Leuven, BelgiumKBO/BCE: BE 0803.573.932

E&W FINANCE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-3k) and a net result of €-7k. Its solvency ranks better than 5% of 1458 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1458 sector peers (2025).

NBB · sector comparison

Position among 1458 sector peers

Solvency

better than 5%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-06-2026, 57 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

57 d early

2024

57 d early

← before the deadline after the deadline →

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 months

Position in the running window

14-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€-3k

2024 · €4k

2024: €4k

2024 → 2025

Net result

€-7k▼ 578%

2024 · €-1k

2024: €-1k

2024 → 2025

Total assets

€92k▲ 19.1%

2024 · €78k

2024: €78k

2024 → 2025

Solvency

-3.5%▼ 8.6pp

2024 · 5.1%

2024: 5.1%

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€4k-€-3k

Operating result€582-€-5k

Net result€-1k-€-7k▼ 578%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €5k after €582 in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €92k

10%

90.5%

Fixed assets €9k▼ 26.4%

Current assets €84k▲ 27.4%

Key figures and ratios

2025 value · change against 2024

Solvency

-3.5%▼

2024 · 5.1%

ROE

221.0%▲

2024 · -27.0%

ROA

-7.8%▼

2024 · -1.4%

Debt

€96k▲

2024 · €74k

Debt ≤ 1 year

€96k▲

2024 · €74k

Income taxes

€181▲

2024 · €59

Staff costs

€86k▲

2024 · €26k

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€78k€92k▲

Fixed assets21/28€12k€9k▼

Tangible fixed assets22/27€12k€9k▼

Furniture and vehicles24€12k€9k▼

Current assets29/58€66k€84k▲

Amounts receivable within one year40/41€57k€67k▲

Trade receivables40€53k€67k▲

Other amounts receivable41€5k€0▼

Cash at bank and in hand54/58€2k€10k▲

Deferred charges and accrued income490/1€6k€6k▲

Equity and liabilities

Total equity and liabilities10/49€78k€92k▲

Equity10/15€4k€-3k▼

Contributions10/11€5k€5k=

Profit (loss) carried forward14€-1k€-8k▼

Amounts payable17/49€74k€96k▲

Amounts payable within one year42/48€74k€96k▲

Trade debts44€887€942▲

Suppliers440/4€887€942▲

Taxes, remuneration and social security45€59€12k▲

Taxes450/3€59€12k▲

Other amounts payable47/48€73k€83k▲

Income statement Code20242025

Remuneration, social security and pensions62€26k€86k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼

Other operating charges640/8€921€691▼

Gross operating margin9900€31k€85k▲

Operating profit (loss)9901€582€-5k▼

Financial income75/76B€0€85▲

Recurring financial income75€0€85▲

Financial charges65/66B€2k€3k▲

Recurring financial charges65€2k€3k▲

Profit (loss) for the period before taxes9903€-1k€-7k▼

Income taxes67/77€59€181▲

Profit (loss) for the period9904€-1k€-7k▼

Profit (loss) for the period to be appropriated9905€-1k€-7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-1k€-8k▼

Profit (loss) brought forward from the previous period14P-€-1k

Social balance

Average headcount (FTE)9087-1.0

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

04-06

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

04-06

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

NBB filing

Directors · office · real estate

Directors

4 acts for this company are 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, Leuven · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Aarschotsesteenweg 5543012 Leuven

Ground area

1,466 m²

Building footprint

615 m²

Volume, LiDAR

5,661 m³

Parcel 24126B0233/00R005, Flanders · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

E&W FINANCE

Aarschotsesteenweg 554, 3012 LeuvenOther activities auxiliary to financial services, excluding insurance and pension funding

since 20232.346.802.063

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24126B0233/00R005	Flanders	1,466 m²	1 · 615 m²	13.3 m · 3 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

Monjoie & Monjoie Développement

Of 1,505 companies in sector 66199 we hold annual accounts for 912. 182 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded04-07-2023

Fiscal year end31-12

Activities, NACEBEL

66199Other activities auxiliary to financial services, excluding insurance and pension funding

66300Activities auxiliary to financial services and insurance activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.