ECA
ActiveECA has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €793k and a net result of €87k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 77% of 16922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-5
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 5.95 against 5.38 in 2024), and 17.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
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
82.3%
Return on assets
9%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-11-2025, 68 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
68 d early
2024
93 d early
2023
112 d early
2022
96 d early
2021
77 d early
2020
105 d early
2019
100 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€793k▲ 12.3%
2024 · €706k
2019: €473k
2020: €385k
2021: €469k
2022: €554k
2023: €621k
2024: €706k
2019 → 2025
Total assets
€963k▲ 9.5%
2024 · €880k
2019: €634k
2020: €569k
2021: €615k
2022: €714k
2023: €787k
2024: €880k
2019 → 2025
Net result
€87k▲ 1.8%
2024 · €85k
2019: €67k
2020: €69k
2021: €84k
2022: €84k
2023: €67k
2024: €85k
2019 → 2025
Working capital
€789k▲ 12.7%
2024 · €700k
2019: €464k
2020: €387k
2021: €466k
2022: €562k
2023: €630k
2024: €700k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€469k-€554k▲ 18.0%€621k▲ 12.1%€706k▲ 13.7%€793k▲ 12.3%
Operating result€127k-€128k▲ 1.0%€100k▼ 21.7%€126k▲ 25.9%€112k▼ 11.1%
Net result€84k-€84k▲ 0.5%€67k▼ 20.6%€85k▲ 27.1%€87k▲ 1.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €963k
Fixed assets
€15k▼ 25.2%
Current assets
€948k▲ 10.3%
Equity and liabilities €963k
Equity
€793k▲ 12.3%
Provisions
€1k=
Debt
€169k▼ 2.1%
The debt ratio falls from 19.6% to 17.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€117k▼
2024 · €129k
Cash flow
€92k▲
2024 · €88k
Solvency
82.3%▲
2024 · 80.2%
Current ratio
5.95▲
2024 · 5.38
Quick ratio
5.95▲
2024 · 5.38
Debt / equity
0.21▼
2024 · 0.24
ROE
10.9%▼
2024 · 12.1%
ROA
9.0%▼
2024 · 9.7%
Interest coverage
12.98▲
2024 · 12.01
Debt
€169k▼
2024 · €173k
Debt ≤ 1 year
€159k▼
2024 · €160k
Income taxes
€41k▲
2024 · €38k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€880k€963k▲
Fixed assets21/28€21k€15k▼
Tangible fixed assets22/27€21k€15k▼
Land and buildings22€2k€2k▼
Furniture and vehicles24€18k€14k▼
Current assets29/58€859k€948k▲
Amounts receivable within one year40/41€21k€1k▼
Trade receivables40€21k€1k▼
Cash at bank and in hand54/58€836k€944k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€880k€963k▲
Equity10/15€706k€793k▲
Contributions10/11€20k€20k=
Outside capital11€20k-
Other1109/19€20k-
Reserves13€686k€773k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€22k€22k=
Distributable reserves133€662k€749k▲
Provisions and deferred taxes16€1k€1k=
Provisions for liabilities and charges160/5€1k€1k=
Other liabilities and charges164/5€1k€1k=
Amounts payable17/49€173k€169k▼
Amounts payable within one year42/48€160k€159k▼
Financial debts43€140k€140k=
Other loans439€140k€140k=
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€10k€9k▼
Other amounts payable47/48€5k€5k▲
Accrued charges and deferred income492/3€13k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€635€669▲
Gross operating margin9900€129k€118k▼
Operating profit (loss)9901€126k€112k▼
Financial income75/76B€7k€24k▲
Recurring financial income75€7k€24k▲
Financial charges65/66B€11k€9k▼
Recurring financial charges65€11k€9k▼
Profit (loss) for the period before taxes9903€123k€127k▲
Income taxes67/77€38k€41k▲
Profit (loss) for the period9904€85k€87k▲
Profit (loss) for the period to be appropriated9905€85k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€85k€87k▲
Transfer to equity691/2€85k€87k▲
To other reserves6921€85k€87k▲
The notes to these accounts (6 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
2025
24-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €87k ▲1.8%
Net result €87k, the highest in the series.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €67k ▼20.6%
Net result drops to €67k, the lowest in the series; recovery starts the following year.
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €500kEq €554k ▲18%
4 profitable years in a row build equity to €554k.
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
18-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
01-12
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
3 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, Sint-Niklaas · 1 establishment unit since 2000
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.
Puitvoetstraat 409100 Sint-NiklaasGround area
483 m²
Building footprint
152 m²
Volume, LiDAR
739 m³
Parcel 46442C0758/00P000, Flanders · tallest building 5.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ECA BVBA
since 20002.099.550.845
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46442C0758/00P000 | Flanders | 483 m² | 1 · 152 m² | 5.9 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 567 EUR awarded · 567 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 567 EUR | 567 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,811 companies in sector 62100 we hold annual accounts for 8,749. 4,599 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-04-2000
Fiscal year end30-06
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
72100
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.