ECHO COMMUNICATION
ActiveECHO COMMUNICATION has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €692k and a net result of €8k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 92% of 7733 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-6
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 13.12 against 12.43 in 2024; short-term debt: 7.2% and cash: 88.5% of total assets), and 7.2% 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 82
Relative position
BE, all sectors
reference
Sector 82
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
92.8%
Return on assets
1.1%
Age of the figures
9 mo
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 19-02-2026, 162 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
162 d early
2024
162 d early
2023
90 d early
2022
147 d early
2021
157 d early
2020
88 d early
2019
149 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€692k▲ 1.2%
2024 · €683k
2018: €425k
2019: €425k
2020: €472k
2021: €488k
2022: €538k
2023: €643k
2024: €683k
2018 → 2025
Total assets
€745k▲ 1.1%
2024 · €737k
2018: €448k
2019: €438k
2020: €495k
2021: €526k
2022: €580k
2023: €695k
2024: €737k
2018 → 2025
Net result
€8k▼ 78.9%
2024 · €40k
2018: €69k
2019: €596
2020: €47k
2021: €16k
2022: €49k
2023: €106k
2024: €40k
2018 → 2025
Working capital
€646k▲ 5.1%
2024 · €615k
2018: €371k
2019: €379k
2020: €441k
2021: €414k
2022: €451k
2023: €548k
2024: €615k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€488k-€538k▲ 10.1%€643k▲ 19.7%€683k▲ 6.2%€692k▲ 1.2%
Operating result€24k-€61k▲ 151%€135k▲ 123%€59k▼ 56.8%€-3k
Net result€16k-€49k▲ 205%€106k▲ 115%€40k▼ 62.0%€8k▼ 78.9%
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 2025: a loss of €3k after €59k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €745k
Fixed assets
€46k▼ 33.6%
Current assets
€699k▲ 4.7%
Equity and liabilities €745k
Equity
€692k▲ 1.2%
Debt
€53k▼ 0.8%
The debt ratio falls from 7.3% to 7.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €66k
Cash flow
€15k▼
2024 · €48k
Solvency
92.8%▲
2024 · 92.7%
Current ratio
13.12▲
2024 · 12.43
Quick ratio
13.12▲
2024 · 12.43
Debt / equity
0.08▼
2024 · 0.08
ROE
1.2%▼
2024 · 5.9%
ROA
1.1%▼
2024 · 5.4%
Interest coverage
16.99▼
2024 · 231.47
Debt
€53k▼
2024 · €54k
Debt ≤ 1 year
€53k▼
2024 · €54k
Income taxes
€1k▼
2024 · €18k
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€737k€745k▲
Fixed assets21/28€69k€46k▼
Tangible fixed assets22/27€17k€10k▼
Plant, machinery and equipment23€11k€10k▼
Furniture and vehicles24€6k€629▼
Financial fixed assets28€52k€35k▼
Current assets29/58€668k€699k▲
Amounts receivable within one year40/41€7k€10k▲
Trade receivables40€7k€10k▲
Current investments50/53€541k€30k▼
Cash at bank and in hand54/58€121k€660k▲
Equity and liabilities
Total equity and liabilities10/49€737k€745k▲
Equity10/15€683k€692k▲
Contributions10/11€6k€6k=
Reserves13€52k€52k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€15k€15k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€625k€633k▲
Amounts payable17/49€54k€53k▼
Amounts payable within one year42/48€54k€53k▼
Trade debts44€2k€855▼
Suppliers440/4€2k€855▼
Taxes, remuneration and social security45€15k€10k▼
Taxes450/3€15k€10k▼
Other amounts payable47/48€36k€43k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€574€593▲
Gross operating margin9900€67k€4k▼
Operating profit (loss)9901€59k€-3k▼
Financial income75/76B€389€13k▲
Recurring financial income75€389€13k▲
Financial charges65/66B€285€216▼
Recurring financial charges65€285€216▼
Profit (loss) for the period before taxes9903€59k€10k▼
Income taxes67/77€18k€1k▼
Profit (loss) for the period9904€40k€8k▼
Profit (loss) for the period to be appropriated9905€40k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€650k€633k▼
Profit (loss) brought forward from the previous period14P€610k€625k▲
Transfer to equity691/2€25k-
To the legal reserve6920€25k-
The notes to these accounts (8 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
19-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €106k ▲115%
Operating result €135k, net result €106k, both a record.
06-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €538k ▲10.1%
5 profitable years in a row build equity to €538k.
24-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €596 ▼99.1%
Net result drops to €596, the lowest in the series; recovery starts the following year.
15-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-03
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, Overijse · 1 establishment unit since 1997
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.
J. Bt. Dekeyserstraat 363090 OverijseGround area
196 m²
Building footprint
80 m²
Volume, LiDAR
543 m³
Parcel 23546L0215/00S000, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
J. Bt. Dekeyserstraat 36, 3090 Overijse
since 19972.081.069.474
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23546L0215/00S000 | Flanders | 196 m² | 1 · 80 m² | 11.6 m · 3 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.
Similar companies · same sector, comparable size
Barba Invest
BE 0781.622.931
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VJ&S
BE 0768.316.511
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CONTAMI
BE 0817.117.904
Tongeren-Borgloon · Eq €689k
besox
BE 0470.305.488
Knokke-Heist · Eq €695k
MOMENT
BE 0632.500.475
Knokke-Heist · Eq €685k
Of 11,225 companies in sector 82100 we hold annual accounts for 3,511. 1,777 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-03-1997
Fiscal year end31-12
Activities, NACEBEL
74851
82100Office administrative and support services
82190Office administrative, office support and other business support activities
74300Other professional, scientific and technical activities
74301Translation services
74852
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.