EBEN & ASSOCIATE
ActiveSummary
EBEN & ASSOCIATE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €41,732 and a net result of -€16,423. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 19364 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability6▼-67
Solvency51▼-2
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity short (current ratio 0.4 against 0.79 in 2023; short-term debt: 32.2% and cash: 0.5% of total assets), and 73.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
26.1%
Return on assets
-10.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
67 d late
2022
140 d late
2021
141 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 102 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€41,732▼ 28.2%
2023 · €58,154
Total assets
€160,055▼ 23.7%
2023 · €209,861
Net result
-€16,423
2023 · €6,846
Working capital
-€31,028▼ 88.0%
2023 · -€16,506
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result€20,567-€9,991▼ 51.4%€16,532▲ 65.5%-€14,343
Net result€12,264-€4,997▼ 59.3%€6,846▲ 37.0%-€16,423
Equity€46,311-€51,308▲ 10.8%€58,154▲ 13.3%€41,732▼ 28.2%
Total assets€195,530-€186,371▼ 4.7%€209,861▲ 12.6%€160,055▼ 23.7%
Debt€149,219-€135,063▼ 9.5%€151,707▲ 12.3%€118,323▼ 22.0%
Working capital-€17,805--€13,065▲ 26.6%-€16,506▼ 26.3%-€31,028▼ 88.0%
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 2024: a loss of €14,343 after €16,532 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €160,055
Fixed assets
€139,599 ▼ 6.0%
Current assets
€20,455 ▼ 66.7%
Equity and liabilities €160,055
Equity
€41,732 ▼ 28.2%
Debt
€118,323 ▼ 22.0%
Debt's share of the balance-sheet total rises from 72.3% to 73.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€5,476▼
2023 · €24,839
Cash flow
-€7,556▼
2023 · €15,153
Current ratio
0.40▼
2023 · 0.79
Debt to equity
2.84▲
2023 · 2.61
ROE
-39.4%▼
2023 · 11.8%
ROA
-10.3%▼
2023 · 3.3%
Interest coverage
-2.55▼
2023 · 10.16
Debt ≤ 1 year
€51,483▼
2023 · €77,901
Debt > 1 year
€66,840▼
2023 · €73,805
Income taxes
€216▼
2023 · €8,554
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,201 | €6,480 | €8,308 | €8,866 | ▲ 6.7% |
| Other operating charges640/8 | €1,064 | €1,690 | €6,516 | €1,747 | ▼ 73.2% |
| Gross operating margin9900 | €27,831 | €18,162 | €31,356 | -€3,729 | ▼ 112% |
| Operating profit (loss)9901 | €20,567 | €9,991 | €16,532 | -€14,343 | ▼ 187% |
| Financial income75/76B | €737 | €1,106 | €1,313 | €282 | ▼ 78.5% |
| Recurring financial income75 | €737 | €1,106 | €1,313 | €282 | ▼ 78.5% |
| Financial charges65/66B | €3,255 | €2,111 | €2,445 | €2,146 | ▼ 12.2% |
| Recurring financial charges65 | €3,255 | €2,111 | €2,445 | €2,146 | ▼ 12.2% |
| Profit (loss) for the period before taxes9903 | €18,049 | €8,986 | €15,400 | -€16,207 | ▼ 205% |
| Income taxes67/77 | €5,785 | €3,989 | €8,554 | €216 | ▼ 97.5% |
| Profit (loss) for the period9904 | €12,264 | €4,997 | €6,846 | -€16,423 | ▼ 340% |
| Profit (loss) for the period to be appropriated9905 | €12,264 | €4,997 | €6,846 | -€16,423 | ▼ 340% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €195,530 | €186,371 | €209,861 | €160,055 | ▼ 23.7% |
| Fixed assets21/28 | €151,508 | €145,028 | €148,466 | €139,599 | ▼ 6.0% |
| Tangible fixed assets22/27 | €151,508 | €145,028 | €148,466 | €139,599 | ▼ 6.0% |
| Land and buildings22 | €138,060 | €133,853 | €129,645 | €125,438 | ▼ 3.2% |
| Plant, machinery and equipment23 | €1,219 | €887 | €9,326 | €6,952 | ▼ 25.5% |
| Furniture and vehicles24 | €12,229 | €10,288 | €9,495 | €7,210 | ▼ 24.1% |
| Current assets29/58 | €44,022 | €41,343 | €61,395 | €20,455 | ▼ 66.7% |
| Amounts receivable within one year40/41 | €12,719 | €24,172 | €53,747 | €18,531 | ▼ 65.5% |
| Trade receivables40 | - | €4,809 | €23,516 | €1,842 | ▼ 92.2% |
| Other amounts receivable41 | €12,719 | €19,364 | €30,232 | €16,689 | ▼ 44.8% |
| Cash at bank and in hand54/58 | €31,303 | €17,171 | €7,647 | €810 | ▼ 89.4% |
| Deferred charges and accrued income490/1 | €0 | - | - | €1,114 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €195,530 | €186,371 | €209,861 | €160,055 | ▼ 23.7% |
| Equity10/15 | €46,311 | €51,308 | €58,154 | €41,732 | ▼ 28.2% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €41,311 | €46,308 | €53,154 | €36,732 | ▼ 30.9% |
| Distributable reserves133 | €41,311 | €46,308 | €53,154 | €36,732 | ▼ 30.9% |
| Amounts payable17/49 | €149,219 | €135,063 | €151,707 | €118,323 | ▼ 22.0% |
| Amounts payable after more than one year17 | €87,392 | €80,655 | €73,805 | €66,840 | ▼ 9.4% |
| Financial debts170/4 | €87,392 | €80,655 | €73,805 | €66,840 | ▼ 9.4% |
| Amounts payable within one year42/48 | €61,827 | €54,408 | €77,901 | €51,483 | ▼ 33.9% |
| Current portion of amounts payable after more than one year42 | €6,626 | €6,737 | €6,850 | €6,965 | ▲ 1.7% |
| Trade debts44 | €2,487 | €3,528 | €12,585 | €11,468 | ▼ 8.9% |
| Suppliers440/4 | €2,487 | €3,528 | €12,585 | €11,468 | ▼ 8.9% |
| Advances received on contracts in progress46 | - | - | - | €4,167 | - |
| Taxes, remuneration and social security45 | €15,600 | €17,029 | €38,352 | €8,769 | ▼ 77.1% |
| Taxes450/3 | €15,600 | €17,029 | €38,352 | €8,769 | ▼ 77.1% |
| Other amounts payable47/48 | €37,114 | €27,114 | €20,114 | €20,114 | = |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,264 | €4,997 | €6,846 | -€16,423 | ▼ 340% |
| + Depreciation and write-downs630 | €6,201 | €6,480 | €8,308 | €8,866 | ▲ 6.7% |
| Operating cash flow (approximation) | €18,464 | €11,477 | €15,153 | -€7,556 | ▼ 150% |
| Investment in fixed assets (approximation) | - | €0 | -€11,745 | €0 | ▲ 100% |
| Change in cash | - | -€14,132 | -€9,523 | -€6,837 | ▲ 28.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet -€16,423
Net result drops to -€16,423, the lowest in the series.
06-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 67 days late
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 140 days late
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 141 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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-Pieters-Leeuw · 1 establishment unit since 2019
Ground area
100 m²
Building footprint
92 m²
Volume, LiDAR
757 m³
Parcel 23069A0289/00K000, Flanders · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Eben & Associate
since 20192.293.092.668
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23069A0289/00K000 | Flanders | 100 m² | 1 · 92 m² | 13.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 12,042 companies in sector 68203 we hold annual accounts for 5,993. 2,893 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-08-2019
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
68310Real estate agency activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68322Real estate appraisal on a fee or contract basis
Scores and ratios are computed by Checked and are not a credit decision.