EASY CREDIT
ActiveSummary
EASY CREDIT 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 (€-163k) and a net result of €-34k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2435 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 2435 sector peers (2025).
NBB · sector comparisonPosition among 2435 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
31 d late
2022
on the day
2021
1 d late
2020
2 d early
2019
5 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-163k▼ 26.8%
2024 · €-128k
2019: €-12k
2020: €-397
2021: €8k
2022: €-42k
2023: €-77k
2024: €-128k
2019 → 2025
Net result
€-34k▲ 33.4%
2024 · €-52k
2019: €-6k
2020: €12k
2021: €8k
2022: €-50k
2023: €-35k
2024: €-52k
2019 → 2025
Total assets
€635k▼ 13.6%
2024 · €736k
2019: €451
2020: €279k
2021: €280k
2022: €987k
2023: €813k
2024: €736k
2019 → 2025
Solvency
-25.6%▼ 8.2pp
2024 · -17.5%
2019: -2765.4%
2020: -0.1%
2021: 2.7%
2022: -4.3%
2023: -9.4%
2024: -17.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€-42k€-77k▼ 81.6%€-128k▼ 67.2%€-163k▼ 26.8%
Operating result€16k-€-43k€-10k▲ 78.0%€-43k▼ 349%€-26k▲ 38.7%
Net result€8k-€-50k€-35k▲ 30.7%€-52k▼ 49.4%€-34k▲ 33.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €26k in 2025 against €43k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €635k
Fixed assets
€540k ▼ 14.3%
Current assets
€95k ▼ 9.7%
Key figures and ratios
ROA
-5.4%▲
2024 · -7.0%
Debt
€798k▼
2024 · €864k
Debt ≤ 1 year
€401k▲
2024 · €378k
Debt > 1 year
€397k▼
2024 · €486k
Income taxes
€303▼
2024 · €493
Staff costs
€131k▲
2024 · €130k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€736k€635k▼
Fixed assets21/28€631k€540k▼
Intangible fixed assets21€514k€439k▼
Tangible fixed assets22/27€116k€101k▼
Land and buildings22€81k€73k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€31k€25k▼
Current assets29/58€105k€95k▼
Amounts receivable within one year40/41€73k€62k▼
Trade receivables40€20k€10k▼
Other amounts receivable41€54k€52k▼
Cash at bank and in hand54/58€2k€592▼
Deferred charges and accrued income490/1€30k€32k▲
Equity and liabilities
Total equity and liabilities10/49€736k€635k▼
Equity10/15€-128k€-163k▼
Contributions10/11€6k€6k=
Reserves13€138€138=
Non-distributable reserves130/1€138€138=
Reserves not available under the articles1311€138€138=
Profit (loss) carried forward14€-135k€-169k▼
Amounts payable17/49€864k€798k▼
Amounts payable after more than one year17€486k€397k▼
Financial debts170/4€486k€397k▼
Amounts payable within one year42/48€378k€401k▲
Current portion of amounts payable after more than one year42€87k€91k▲
Trade debts44€126k€111k▼
Suppliers440/4€126k€111k▼
Taxes, remuneration and social security45€28k€35k▲
Taxes450/3€7k€113▼
Remuneration and social security454/9€21k€35k▲
Other amounts payable47/48€137k€165k▲
Accrued charges and deferred income492/3€128€66▼
Income statement
Code20242025
Non-recurring operating income76A-€6k
Remuneration, social security and pensions62€130k€131k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€91k€95k▲
Other operating charges640/8€24k€16k▼
Gross operating margin9900€201k€215k▲
Operating profit (loss)9901€-43k€-26k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€-51k€-34k▲
Income taxes67/77€493€303▼
Profit (loss) for the period9904€-52k€-34k▲
Profit (loss) for the period to be appropriated9905€-52k€-34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-135k€-169k▼
Profit (loss) brought forward from the previous period14P€-83k€-135k▼
Social balance
Average headcount (FTE)90874.1-
The notes to these accounts (11 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
05-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
18-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 260 days late
2016
27-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Sint-Agatha-Berchem · 1 establishment unit since 2011
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.
Koekelberglaan 891082 Sint-Agatha-BerchemGround area
127 m²
Building footprint
73 m²
Volume, LiDAR
881 m³
Parcel 21342B0108/00S005, Brussels · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Koekelberglaan 89, 1082 Sint-Agatha-Berchem
since 20112.205.271.739
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0108/00S005 | Brussels | 127 m² | 1 · 73 m² | 14.9 m · 4 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.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 826 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
Founded06-12-2011
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.