Active BE 0836.138.218Private limited company

EBC

Keunenlaan 24 ·3930 Hamont-Achel, Belgium· 15 yrs active

Sector: Office administrative and support services (82100)

Conclusion Checked

EBC has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €24k. Equity is shrinking by ~22% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 30% of 7538 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€44k
Net result	€24k
Staff (FTE)	1
Better than sector	30%

Financial profile 5 of 5 axes measured · computed by Checked

75 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 73

Profitability 100

Solvency 42

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.3% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2011, 15 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

73 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€3k

estimate, not credit advice

Score history

55 2021

98 2022

52 2023

100 2024

73 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 1.24 (≥ 1.0) +5

Quick ratio Quick ratio 1.24 (≥ 1.0) +5

Leverage Debt/equity 3.03 (> 3.0) -10

Profitability ROE 53% (≥ 10%) +10

Interest coverage Interest coverage 64.7× (≥ 3×) +8

Profit trend Net profit up YoY +5

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview13 NBB filings

Annual accounts filed on 27-04-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining At this pace, equity would indicatively turn negative around fiscal year 2028, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 82, Office administrative, office support and other business support activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	24.8%	50.9%	better than 30% of 7538 sector peers
Net result	€24k	€16k	better than 58% of 7529 sector peers
Equity	€44k	€58k	better than 44% of 7545 sector peers
Gross operating margin	€66k	€40k	better than 65% of 7524 sector peers
Staff costs	€37k	€25k	higher than 57% of 1230 sector peers

EBITDA

€28k

+10.2% 21-25

Net profit

€24k

+90.3% 21-25

Cash flow

€27k

+10.6% 21-25

Total assets

€179k

+9.5% 21-25

Equity

€44k

-54.5% 21-25

Working capital

€32k

-61.8% 21-25

Employees (FTE)

1

0.0% 21-25

Staff costs

€37k

-20.9% 21-25

Income taxes

€906

+11.0% 21-25

Dividends

€77k

+161.0% 21-25

Debt

€134k

+104.9% 21-25

Debt ≤ 1y

€134k

+104.9% 21-25

Current ratio

1.24

-45.7% 21-25

Quick ratio

1.24

-45.7% 21-25

Solvency

24.8%

-58.5% 21-25

Debt / equity

3.03

+350.6% 21-25

ROE

53.1%

+318.5% 21-25

ROA

13.2%

+73.8% 21-25

Interest coverage

64.73

+13.8% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€28k	€26k	€-15k	€43k	€104k
Net profit	€24k	€12k	€-45k	€25k	€-50k
Cash flow	€27k	€24k	€-24k	€39k	€-44k
Staff costs	€37k	€47k	€47k	€42k	€42k
Income taxes	€906	€816	€189	€3k	€7k
Dividends	€77k	-	-	€29k	€106k
Total assets	€179k	€163k	€148k	€174k	€240k
Equity	€44k	€98k	€85k	€130k	€134k
Debt	€134k	€66k	€62k	€44k	€106k
of which ≤ 1y	€134k	€66k	€62k	€44k	€106k
of which > 1y	-	-	-	-	-
Working capital	€32k	€84k	€60k	€78k	€104k
Employees (FTE)	1.0	1.0	1.0	1.0	1.0

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	1.24	2.28	1.96	2.78	1.99
Quick ratio	1.24	2.28	1.96	2.78	1.99
Working capital ratio	18.0%	51.5%	40.6%	44.8%	43.3%
Solvency	24.8%	59.8%	57.8%	74.9%	56.0%
Debt / equity	3.03	0.67	0.73	0.34	0.78
Long-term debt ratio	-	-	-	-	-
Interest coverage	64.73	56.87	-1.05	36.38	0.73
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	13.2%	7.6%	-30.5%	14.5%	-20.9%
ROE	53.1%	12.7%	-52.8%	19.4%	-37.3%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €12k · 6.9% Current assets €167k · 93.1%

Equity & liabilities

Equity €44k · 24.8% Debt €134k · 75.2%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€179k	€163k	€148k	€174k	€240k
Fixed assets	21/28	€12k	€14k	€25k	€52k	€30k
Tangible fixed assets	22/27	€12k	€14k	€25k	€51k	€29k
Financial fixed assets	28	-	-	-	€1k	€1k
Current assets	29/58	€167k	€150k	€122k	€122k	€210k
Amounts receivable within one year	40/41	€93k	€73k	€90k	€53k	€135k
Cash & bank	54/58	€73k	€76k	€31k	€67k	€72k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€179k	€163k	€148k	€174k	€240k
Equity	10/15	€44k	€98k	€85k	€130k	€134k
Contributions / capital	10/11	€12k	€12k	€12k	€12k	€12k
Reserves	13	€32k	€102k	€102k	€118k	€122k
Accumulated profits (losses)	14	-	€-17k	€-29k	-	-
Amounts payable	17/49	€134k	€66k	€62k	€44k	€106k
Amounts payable within one year	42/48	€134k	€66k	€62k	€44k	€106k
Trade debts payable within one year	44	€4k	€6k	€11k	€4k	€5k
Income statement
Gross operating margin	9900	€66k	€73k	€33k	€85k	€147k
Operating result	9901	€25k	€14k	€-37k	€29k	€98k
Financial income	75	€23	-	€7k	€50	€1k
Financial charges	65	€436	€450	€15k	€1k	€142k
Result before taxes	9903	€25k	€13k	€-45k	€28k	€-43k
Income taxes	67/77	€906	€816	€189	€3k	€7k
Net result for the period	9904	€24k	€12k	€-45k	€25k	€-50k
Result to be appropriated	9905	€24k	€12k	€-45k	€25k	€-3k

Legal Structure

NACE primary	Office administrative and support services(82100)
Legal form	Private limited company(610)
Incorporation	10-05-2011
Status	Active
Postal code	3930

Establishment units 1 location

EBC

Keunenlaan 24-26, 3930 Hamont-AchelGrowing of flowers

since 20112.199.009.992

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72012A0839/00Z003	Flanders	751 m²	1 · 351 m²	3.8 m · 1 fl.

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.

Updates 11 events

All 13Financial 2Gazette 1Filings 10

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

2026

27-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

29-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Back to profitnet €12k

Net result €12k after one loss-making year.

26-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

20-12

State Gazette act Director changes

Wendy Geusens

11-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 11 days late

2022

31-12

Financial Back to profitnet €25k

Net result €25k after one loss-making year.

26-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 26 days late

2021

20-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 81 days late

2020

21-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 82 days late

2019

30-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 30 days late

2018

31-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 31 days late

2017

13-09

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 44 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

20-12-2023 Board composition published Director changes·Wendy Geusens

Notary: Wendy Geusens · Hamont-Achel

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Business and other management consultancy70200Business consulting70220Office administrative and support services82100Office administrative, office support and other business support activities82110

Names & trade names

Legal nameNL

EBC

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