EB Finances
ActiveEB Finances has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €10.03M and a net result of €-83k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 78% of 4625 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
22
/ 100
Critical▼ -53 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-100
Solvency67▼-33
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.17 against 10.98 in 2023), and 19.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 · 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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-10-2025, 74 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
not confirmed
2024
74 d late
2023
47 d late
2022
44 d late
2021
39 d early
2020
31 d late
2019
41 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-83k
2023 · €2.76M
2021: €1.07M
2022: €6.27M
2023: €2.76M
2021 → 2024
Working capital
€-2.05M
2023 · €3.10M
2021: €-917k
2022: €4.00M
2023: €3.10M
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€7.15M-€7.35M▲ 2.8%€10.12M▲ 37.5%€10.03M▼ 0.8%
Operating result€248k-€397k▲ 60.0%€-121k€-130k▼ 7.5%
Net result€1.07M-€6.27M▲ 488%€2.76M▼ 55.9%€-83k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €130k in 2024 against €121k in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €12.51M
Fixed assets
€12.08M▲ 72.2%
Current assets
€429k▼ 87.4%
Equity and liabilities €12.51M
Equity
€10.03M▼ 0.8%
Debt
€2.48M▲ 694%
The debt ratio rises from 3.0% to 19.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-106k▼
2023 · €-95k
Cash flow
€-59k▼
2023 · €2.79M
Solvency
80.2%▼
2023 · 97.0%
Current ratio
0.17▼
2023 · 10.98
Quick ratio
0.17▼
2023 · 10.98
Debt / equity
0.25▲
2023 · 0.03
ROE
-0.8%▼
2023 · 27.3%
ROA
-0.7%▼
2023 · 26.5%
Interest coverage
-0.64▲
2023 · -3.70
Debt
€2.48M▲
2023 · €312k
Debt ≤ 1 year
€2.47M▲
2023 · €311k
Income taxes
€2k▲
2023 · €-4k
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 · 2024 against 2023
Balance sheet
Code20232024
Total assets
20/58€10.43M€12.51M▲
Fixed assets
21/28€7.01M€12.08M▲
Tangible fixed assets
22/27€128k€103k▼
Financial fixed assets
28€6.89M€11.98M▲
Current assets
29/58€3.41M€429k▼
Amounts receivable within one year
40/41€682k€266k▼
Investments
50/53€0-
Cash & bank
54/58€1k€0▼
Total equity & liabilities
10/49€10.43M€12.51M▲
Equity
10/15€10.12M€10.03M▼
Contributions / capital
10/11€19k€19k=
Reserves
13€10.10M€10.01M▼
Amounts payable
17/49€312k€2.48M▲
Amounts payable within one year
42/48€311k€2.47M▲
Trade debts payable within one year
44€12k€951▼
Income statement
Code20232024
Gross operating margin
9900€-92k€-62k▲
Operating result
9901€-121k€-130k▼
Financial income
75€141k€215k▲
Financial charges
65€26k€166k▲
Result before taxes
9903€2.76M€-81k▼
Income taxes
67/77€-4k€2k▲
Net result for the period
9904€2.76M€-83k▼
Result to be appropriated
9905€2.76M€-83k▼
Timeline · acts, filings and financial milestones
2025
13-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 74 days late
2024
31-12
Financial
Weakest financial yearnet €-83k ▼103%
Net result drops to €-83k, the lowest in the series.
21-10
State Gazette act
Registered-office change
16-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 47 days late
2023
31-12
Financial
Equity above €10MEq €10.12M ▲37.5%
3 profitable years in a row build equity to €10.12M.
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 44 days late
2022
31-12
Financial
Highest result since 2021net €6.27M ▲488%
Operating result €397k, net result €6.27M, both a record.
31-12
Financial
Liquidity times 17current ratio 11.01
Current ratio from 0.64 to 11.01; short-term debt falls from €2.58M to €400k.
12-12
State Gazette act
Minor change
Fiscal year change · Jean-Marc Vanstaen
04-04
State Gazette act
Registered-office change
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
20-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
20-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
22-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
24-03
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
24-03
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
3 of 9 acts read
About the unread acts
Of the 9 Belgian State Gazette acts we know for this company, 3 have been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
DORADE INVESTMENTS
BE 0862.705.033
Etterbeek · Eq €10.03M
ELIOfI
BE 0643.577.380
Ukkel · Eq €10.04M
LCT
BE 0807.109.284
Zemst · Eq €10.04M
B.D.W. HOLDING
BE 0886.010.569
Sint-Katelijne-Waver · Eq €10.05M
NO.M
BE 0450.836.402
Antwerpen · Eq €10.07M
Of 82,137 companies in sector 70200 we hold annual accounts for 51,755. 6,780 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 3 actsNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 05-09-2026. Scores and ratios are computed by Checked and are not a credit decision.