EBIK
ActiveSummary
EBIK has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €-6k. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 16% of 2008 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability21▲+21
Solvency36▼-1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.11 in 2024; short-term debt: 88.2% and cash: 16.9% of total assets), and 88.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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 2025Solvency, return and age of the figures
Solvency
11.3%
Return on assets
-3.5%
Age of the figures
9 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-6k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 2008 sector peers (2025).
NBB · sector comparisonPosition among 2008 sector peers
Solvency
better than 16%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
30 d early
2023
34 d early
2022
26 d early
2021
30 d early
2020
24 d early
2019
30 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€19k▼ 23.7%
2024 · €25k
2018: €19k
2019: €38k
2020: €52k
2021: €70k
2022: €84k
2023: €91k
2024: €25k
2018 → 2025
Total assets
€167k▼ 19.2%
2024 · €207k
2018: €102k
2019: €140k
2020: €176k
2021: €181k
2022: €207k
2023: €261k
2024: €207k
2018 → 2025
Net result
€-6k▲ 91.0%
2024 · €-66k
2018: €-12k
2019: €19k
2020: €14k
2021: €18k
2022: €14k
2023: €6k
2024: €-66k
2018 → 2025
Working capital
€11k▼ 45.1%
2024 · €20k
2018: €-6k
2019: €7k
2020: €34k
2021: €63k
2022: €78k
2023: €79k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€84k▲ 19.7%€91k▲ 7.7%€25k▼ 72.6%€19k▼ 23.7%
Operating result€29k-€24k▼ 17.4%€16k▼ 31.4%€-58k€2k
Net result€18k-€14k▼ 23.1%€6k▼ 53.3%€-66k€-6k▲ 91.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €58k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€9k ▼ 27.6%
Current assets
€159k ▼ 18.7%
Equity and liabilities €167k
Equity
€19k ▼ 23.7%
Debt
€148k ▼ 18.6%
Debt's share of the balance-sheet total rises from 88.0% to 88.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k▲
2024 · €-53k
Cash flow
€-3k▲
2024 · €-61k
Current ratio
1.07▼
2024 · 1.11
Debt to equity
7.81▲
2024 · 7.32
ROE
-31.1%▲
2024 · -265.0%
ROA
-3.5%▲
2024 · -31.9%
Interest coverage
0.76▲
2024 · -7.33
Debt ≤ 1 year
€148k▼
2024 · €175k
Income taxes
€846▼
2024 · €861
Staff costs
€494k▼
2024 · €522k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€207k€167k▼
Fixed assets21/28€12k€9k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€12k€9k▼
Furniture and vehicles24€12k€9k▼
Current assets29/58€195k€159k▼
Amounts receivable within one year40/41€158k€106k▼
Trade receivables40€149k€98k▼
Other amounts receivable41€9k€8k▼
Cash at bank and in hand54/58€11k€28k▲
Deferred charges and accrued income490/1€26k€25k▼
Equity and liabilities
Total equity and liabilities10/49€207k€167k▼
Equity10/15€25k€19k▼
Contributions10/11€19k€19k=
Reserves13€6k€376▼
Distributable reserves133€6k€376▼
Amounts payable17/49€182k€148k▼
Amounts payable within one year42/48€175k€148k▼
Financial debts43€28k€30k▲
Credit institutions430/8€28k€30k▲
Trade debts44€19k€23k▲
Suppliers440/4€19k€23k▲
Taxes, remuneration and social security45€127k€94k▼
Taxes450/3€69k€36k▼
Remuneration and social security454/9€58k€59k▲
Accrued charges and deferred income492/3€7k€680▼
Income statement
Code20242025
Non-recurring operating income76A€12k€3k▼
Remuneration, social security and pensions62€522k€494k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€623€705▲
Gross operating margin9900€470k€500k▲
Operating profit (loss)9901€-58k€2k▲
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€-65k€-5k▲
Income taxes67/77€861€846▼
Profit (loss) for the period9904€-66k€-6k▲
Profit (loss) for the period to be appropriated9905€-66k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-66k€-6k▲
Transfer from equity791/2€66k€6k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)90878.16.9▼
The notes to these accounts (13 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-66k ▼1119%
Net result drops to €-66k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-07
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.
Directors · office · real estate
Directors
4 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, Olen · 1 establishment unit since 2014
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.
Industrielaan 222250 OlenGround area
5,307 m²
Building footprint
1,716 m²
Volume, LiDAR
5,804 m³
Parcel 13029F0668/00N000, Flanders · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
EBIK
since 20142.236.513.756
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13029F0668/00N000 | Flanders | 5,307 m² | 1 · 1,716 m² | 6.0 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 260 EUR awarded · 260 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 260 EUR | 260 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 3,915 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
Founded12-11-2014
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.