Equity
-€16,942
Debts exceed assets in financial year 2025.
ECBA
Overview
Lifetime
1 annual account with figurespeak -€2,596 (2025)
-€2,596
lowest -€21,942 (2025)
-€21,942
peak -€16,942 (2025)
-€16,942
€3.5m
Board2 names since 2025
2 directorsMaksor and 1 other
Documentsfilings and deeds
31-08-202631 days late
2025abbreviated format
Loss of €21,942Incorporation 01-071 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€3.5m 100% of the balance sheet
After one year 89%Within one year 11%
€1.3m of the debts are secured on the company's own assets.
Starting capital
€5,000 50 shares
2025 accounts filed 31 days after the deadlineTurnover not published (abbreviated format)
Checked score
54
Fair
Financially stronger than 30% of small companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2026: 2.4%highest value
08-2026: 2.4%● unchanged vs 07-2026highest value
09-2026: 0.3%▼ -2.1 percentage points vs 08-2026lowest value
10-2026: 0.4%▲ +0.1 percentage points vs 09-2026
11-2026: 0.4%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€16,942
Liquidity: current ratio 0.07, cash €25,601
lowers risk
Size: total assets €3.5m
No main activity registered
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, small). It does better than 10% of them on solvency, 52% on liquidity and 29% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.07, below 1. Short-term debt is 10.9% and cash 0.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Young company
Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
31 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- PICHELIN Mathieu Jean 25 sharesdeed of 01-07-2025
- ROSKAM Florent Hervé Etienne 25 sharesdeed of 01-07-2025
Shares in 2 companies, CORVEST and XMP Consulting
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1024809156
Incorporation
Founding capital of €5,000, 50 shares · Founders: PICHELIN Mathieu Jean and ROSKAM Florent Hervé Etienne · Appointments: XMP Consulting (director) and Maksor (director) · published on 01-07-2025 · Gazette deed
First establishment
Boulevard de la Technicité (H-G) 1A, La Louvière
Official details
Source: KBO- Status
- Active since 27-06-2025Normal situation
- Activity
- “Toute activité de gestion,d’administration,de direction et d’organisation.” (deed in French)From the articles, 7 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.380.790.6657110 La Louvière, since 27-06-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 03-12-2025
Insights on ECBA
ECBA has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€16,942) and a net result of -€21,942.
The computed 12-month bankruptcy probability is 0.4% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 31-08-2026, 31 days late-€2,596
-€2,995
-€21,942
-€359,403
-0.5%
0.07
Turnover and EBIT margin are not published. The abbreviated format does not require them.
Balance sheet
balance sheet total €3.5m on 31-12-2025What the company ownsHow it is paid for
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
3.5m | |
21/28 |
3.5m | |
28 |
3.5m | |
29/58 |
25,867 | |
54/58 |
25,601 | |
490/1 |
266 | |
| Balance sheet: equity and liabilities | ||
10/49 |
3.5m | |
10/15 |
-16,942 | |
10/11 |
5,000 | |
14 |
-21,942 | |
17/49 |
3.5m | |
17 |
3.1m | |
170/4 |
1.1m | |
178/9 |
2.0m | |
42/48 |
385,270 | |
42 |
185,270 | |
47/48 |
200,000 | |
492/3 |
18,436 | |
| Income statement | ||
9900 |
-2,596 | |
640/8 |
400 | |
9901 |
-2,995 | |
65/66B |
18,947 | |
65 |
18,947 | |
9903 |
-21,942 | |
9904 |
-21,942 | |
9905 |
-21,942 | |
| Appropriation of the result | ||
9906 |
-21,942 | |
| Document | ||
The notes to these accounts have 11 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00496300.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 31-08-2026 | 2026-00496300 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 3.5m | ||
| -359,403 | ||
| -0.5% | ||
| 0.07 | ||
| -0.6% |
A ratio outside any meaningful range has been withheld (balance sheet total €3.5m, equity -€16,942).
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Securities and guarantees
on own assets and for others| Item | 2025 |
|---|---|
| Debts secured on the company's own assets | €1.3m |
Source: notes to the 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Financial fixed assets | €3.5m |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on ECBA
Equity is negative. Debt (€3.5m) exceeds the balance-sheet total (€3.5m).
Board & ownership
Board
2 directors, since incorporationMaksor BV
Director, permanent representative ROSKAM Florent Hervé Etienne
since 27-06-2025
term without a fixed end
also on the board of 1 other company
listed in the 2025 annual accounts, filed on 31-08-2026
Director, permanent representative PICHELIN Mathieu Jean
since 27-06-2025
term without a fixed end
also on the board of 1 other company
listed in the 2025 annual accounts, filed on 31-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “S’ils sont plusieurs, chaque administrateur agissant seul, peut accomplir tous les actes d'administration et de disposi-tion qui…”deed of 01-07-2025
Permanent representatives 2
Mandates through the years
2 names, the dashed line is todayMaksor
Director
Director
XMP Consulting
Director
Director
Board
Mandates as a list
- Maksor
- Director, from 27-06-2025 to date
- XMP Consulting
- Director, from 27-06-2025 to date
Control
Founders
PICHELIN Mathieu Jean, ROSKAM Florent Hervé Etienne
This company
ECBA
Equity -€16,942
Loss €21,942 in 2025
Capital
- Contribution
- €5,000
- Shares
- 50
- Contribution per share
- €100
- Equity per share
- -€339 in 2025
- Source
- deed of 01-07-2025
Articles of association
deed of 01-07-2025 (in French)- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “À défaut d’accord,experts chaque partie,puis président tribunal entreprise,tiers expert en désaccord;base derniers comptes annuels clôturés…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Justificatif organe à ordre du jour,état actif-passif arrêté à moins de trois mois,rapport commissaire ou réviseur ou expert-comptable…”
Shareholders
At incorporation
deed of 01-07-2025 ↗
- PICHELIN Mathieu Jean 25 shares (50%)
- ROSKAM Florent Hervé Etienne 25 shares (50%)
Network & group
Holdings
own 2025 accountsThis companyECBA2 holdings, 1 country
2025 accounts
Belgium 2 Equity Result
- BE XMP CONSULTING30% €1.2m result €983,916
- BE CORVEST40% €197,595 result €1.4m
Source: list of holdings in its own 2025 accounts. Every holding stands with its own latest accounts.
Holdings and subsidiaries
2 holdingsHoldings 2
Share, source and own figures per holding (2)
Source for every holding own accounts 2025
- Equity €197,595 Profit of €1.4m in 2025 (profit of €161,452 in 2024)40%
- Equity €1.2m Profit of €983,916 in 2025 (profit of €223,919 in 2024) Checked score 9330%
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
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Linked via shared directors
LOGONSITE
No longer active · 5.6 FTE (2024)
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Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBabbreviated format · 31 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1024809156
IncorporationFounding capital of €5,000, 50 shares · Founders: PICHELIN Mathieu Jean and ROSKAM Florent Hervé Etienne · Appointments: XMP Consulting (director) and Maksor (director) · published on 01-07-20258 points ▸
- Founder, PICHELIN Mathieu Jean
- Founder, ROSKAM Florent Hervé Etienne
- Founding capital, €5,000, 50 shares
- Registered office clause, Boulevard de la Technicité 1A, 7110 Houdeng-Goegnies
- Director appointment, XMP Consulting
- Director appointment, Maksor
- Permanent representative, PICHELIN Mathieu Jean
- Permanent representative, ROSKAM Florent Hervé Etienne
- The deed holds 3 more points.
First establishment Boulevard de la Technicité (H-G) 1A, La Louvière
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1024.809.156
- VAT number
- BE 1024.809.156
- Peppol ID
- 0208:1024809156
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 27-06-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 18:00deed of 01-07-2025 (in French)
- Peppol
- Reachable since 03-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- ECBA in French
- Entity type
- Legal entity
Activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toute activité de gestion,d’administration,de direction et d’organisation; Dans ce cadre,notamment assurer la gestion journalière et la…”deed of 01-07-2025 (in French)
7 activities
- Toute activité de gestion,d’administration,de direction et d’organisation.
- Dans ce cadre,notamment assurer la gestion journalière et la représentation de toutes personnes,liées ou non.
- La prise de participations,sous quelque forme que ce soit,dans toutes sociétés belges ou étrangères,l’acquisition par voie d’achat,de souscription,d’échange ou de toute autre manière,ainsi que l’aliénation par vente,échange ou toute autre manière,d’actions,d’obligations,de bons de valeurs mobilières de toutes espèces,la gestion,au sens le plus large du terme,l’amélioration et la mise en valeur du portefeuille qui lui sera apporté,qu’elle acquerra ou dont elle détiendra tout droit;
- De rechercher et/ou accorder des crédits ou sûretés de tous types à ses filiales et financer leurs activités.
- Elle pourra faire toute opération mobilière,immobilière,financière,commerciale et industrielle se rapportant directement ou indirectement à son objet.
- Elle peut accomplir d'une manière générale toutes opérations ayant un rapport direct ou indirect avec son objet et pouvant en faciliter directement ou indirectement,entièrement ou partiellement,la réalisation.
- Elle peut s'intéresser par voie d'association,d'apport,de fusion,d'intervention financière ou autrement dans toutes sociétés,associations ou entreprises dont l'objet est analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Boulevard de la Technicité (H-G) 1A registered office 7110 La Louvière 64210 Activities of holding companies | 27-06-2025 | 2.380.790.665 |
Buildings and parcels at the address
- Ground area
- 7.1 ha
- Buildings
- 1.6 ha
- Volume, LiDAR
- 184,777 m³
- Tallest building
- 13.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 55020B0381/00E000 | 7.1 ha | 1 · 1.6 ha | 13.5 m · 4 |