EBERCA
ActiveSummary
EBERCA has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.11M and a net result of €182k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 83% of 8048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+11
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 3.74 against 3.59 in 2024; short-term debt: 20.2% and cash: 15.3% of total assets), and 20.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
79.8%
Return on assets
13%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
43 d early
2023
35 d early
2022
48 d early
2021
34 d early
2020
45 d early
2019
35 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.11M▲ 5.4%
2024 · €1.06M
2018: €1.03M
2019: €979k
2020: €1.04M
2021: €931k
2022: €994k
2023: €1.15M
2024: €1.06M
2018 → 2025
Total assets
€1.40M▲ 5.6%
2024 · €1.32M
2018: €1.73M
2019: €1.33M
2020: €1.22M
2021: €1.60M
2022: €1.35M
2023: €1.45M
2024: €1.32M
2018 → 2025
Net result
€182k▲ 216%
2024 · €57k
2018: €161k
2019: €100k
2020: €60k
2021: €92k
2022: €63k
2023: €155k
2024: €57k
2018 → 2025
Working capital
€774k▲ 12.9%
2024 · €686k
2018: €568k
2019: €488k
2020: €528k
2021: €428k
2022: €548k
2023: €734k
2024: €686k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€931k-€994k▲ 6.8%€1.15M▲ 15.6%€1.06M▼ 8.1%€1.11M▲ 5.4%
Operating result€128k-€90k▼ 29.4%€210k▲ 132%€68k▼ 67.8%€246k▲ 263%
Net result€92k-€63k▼ 31.7%€155k▲ 147%€57k▼ 63.0%€182k▲ 216%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 263% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.40M
Fixed assets
€339k ▼ 8.5%
Current assets
€1.06M ▲ 11.1%
Equity and liabilities €1.40M
Equity
€1.11M ▲ 5.4%
Debt
€283k ▲ 6.6%
Debt's share of the balance-sheet total rises from 20.1% to 20.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€270k▲
2024 · €99k
Cash flow
€206k▲
2024 · €89k
Current ratio
3.74▲
2024 · 3.59
Quick ratio
2.76▲
2024 · 2.30
Debt to equity
0.25▲
2024 · 0.25
ROE
16.3%▲
2024 · 5.4%
ROA
13.0%▲
2024 · 4.3%
Interest coverage
269.79▲
2024 · 127.03
Debt ≤ 1 year
€283k▲
2024 · €265k
Income taxes
€63k▲
2024 · €23k
Staff costs
€264k▼
2024 · €383k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.32M€1.40M▲
Fixed assets21/28€371k€339k▼
Tangible fixed assets22/27€349k€317k▼
Land and buildings22€318k€304k▼
Plant, machinery and equipment23€1k€965▼
Furniture and vehicles24€30k€12k▼
Financial fixed assets28€22k€22k=
Current assets29/58€951k€1.06M▲
Stocks and contracts in progress3€340k€276k▼
Stocks30/36€340k€276k▼
Amounts receivable within one year40/41€334k€555k▲
Trade receivables40€287k€526k▲
Other amounts receivable41€46k€29k▼
Cash at bank and in hand54/58€256k€214k▼
Deferred charges and accrued income490/1€21k€12k▼
Equity and liabilities
Total equity and liabilities10/49€1.32M€1.40M▲
Equity10/15€1.06M€1.11M▲
Contributions10/11€248k€248k=
Reserves13€25k€25k=
Distributable reserves133€25k€25k=
Profit (loss) carried forward14€784k€841k▲
Amounts payable17/49€265k€283k▲
Amounts payable within one year42/48€265k€283k▲
Current portion of amounts payable after more than one year42€3k€3k▼
Trade debts44€207k€121k▼
Suppliers440/4€207k€121k▼
Taxes, remuneration and social security45€55k€34k▼
Taxes450/3€28k€21k▼
Remuneration and social security454/9€27k€12k▼
Other amounts payable47/48-€125k
Income statement
Code20242025
Remuneration, social security and pensions62€383k€264k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€24k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-6k-
Other operating charges640/8€19k€12k▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€495k€547k▲
Operating profit (loss)9901€68k€246k▲
Financial income75/76B€13k-
Recurring financial income75€274-
Non-recurring financial income76B€13k-
Financial charges65/66B€779€1,000▲
Recurring financial charges65€779€1,000▲
Profit (loss) for the period before taxes9903€80k€245k▲
Income taxes67/77€23k€63k▲
Profit (loss) for the period9904€57k€182k▲
Profit (loss) for the period to be appropriated9905€57k€182k▲
Appropriation of the result
Profit (loss) to be appropriated9906€934k€966k▲
Profit (loss) brought forward from the previous period14P€876k€784k▼
Profit to be distributed694/7€150k€125k▼
Return on contributions (dividend)694€150k€125k▼
Social balance
Average headcount (FTE)90875.14.1▼
The notes to these accounts (9 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €182k ▲216%
Operating result €246k, net result €182k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €57k ▼63%
Net result drops to €57k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €1MEq €1.15M ▲15.6%
6 profitable years in a row build equity to €1.15M.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €1MEq €1.04M ▲6.2%
3 profitable years in a row build equity to €1.04M.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 2 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Leuven · 1 establishment unit since 2001
Ground area
3,530 m²
Building footprint
829 m²
Volume, LiDAR
5,859 m³
Parcel 24514C0027/00L000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EBERCA BVBA
since 20012.032.428.429
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24514C0027/00L000 | Flanders | 3,530 m² | 1 · 829 m² | 8.2 m · 2 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 1,745 companies in sector 46720 we hold annual accounts for 1,083. 754 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
Founded25-12-1985
Fiscal year end31-12
Activities, NACEBEL 2025
46720Wholesale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.