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ECHO111

Active Private limited companyfounded 2020active for 6 yearsAlbertlaan 47, 3200 AarschotKBO/BCE: BE 0747.690.648
ECHO111
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Overview

Lifetime

6 annual accounts with figures on one time axis
peak €31,049 (2020)
€19,207▼ 11.1%
peak €25,195 (2020)
€12,331▼ 10.7%
peak €34,434 (2022)
€2,000unchanged
€36,247▲ 5.4%
Board1 name since 2020
1 directorVERSTRAETEN Elyse Emily
Documentsfilings and deeds
17-04-2026105 days before the deadline
2025micro format
Dividend €12,331

Key points

from the 2025 annual accounts

Equity

€2,000 =
2,0002024+12,331Profit-12,331Dividend2,0002025

ECHO111 paid out €12,331 in dividends. That is 100% of the 2025 profit.

Turnover

≈ €95,000 estimated

The micro format states no turnover.

Debts

€36,247 95% of the balance sheet
Suppliers 6%Taxes and wages 9%Other 85%

Filings

6 annual accounts since 2020
AprilJune31 JulyOctober202020222024

The last five annual accounts were filed 27 to 105 days before the end of the period.

Position in the sector

€2,000

Less equity than 89% of companies in architecture and engineering. Sector median €63,879 · 11,799 companies.

Checked score

92
Excellent
Financially stronger than 43% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.1% across 14,828 companies (NACE 71, micro).

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.2% 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025highest value 06-2025: 0.1%▼ -0.1 percentage points vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026

Financial strength
Average

30=equity 5.2% of total assets
50=short-term debt 94.8% · cash 64.4%
100=return on assets 32.2%

Score breakdown

raises risk
Equity €2,000 (5.2% of total assets)
lowers risk
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Liquidity: current ratio 0.89, cash €24,634
Size: total assets €38,247
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 (NACE 71, micro). It does better than 13% of them on solvency, 31% on liquidity, 88% on profitability and 39% on growth.

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).

Comparable companies, two years later

In July 2024, 2,153 companies had the same profile as ECHO111 has now. Each dot stands for 6 companies, two years later.

96.0%
were still trading
2.2%
stopped another way
1.7%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more

The bankruptcy probability of ECHO111 itself is lower: 0.1% within 12 months. It rests on far more data about ECHO111 than the profile alone.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 2,153 companies, not a prediction for ECHO111. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
KBO
lowers risk · Liquidity: current ratio 0.89, cash €24,634
NBB · annual accounts
raises risk · Equity €2,000 (5.2% of total assets)
NBB · annual accounts
lowers risk · Size: total assets €38,247
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 11794 sector peers (2025).
NBB · sector comparison
Position among 11794 sector peers
Solvency
better than 12%
← 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 17-04-2026, 105 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
105 days early
2024
27 days early
2023
40 days early
2022
53 days early
2021
54 days early
2020
40 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 53 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

VE
VERSTRAETEN Elyse Emily
Director
  • VERSTRAETEN Elyse Emily 200 sharesdeed of 02-06-2020
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0747690648
Registered office moved within Aarschot New registered office: Albertlaan 47 te 3200 Aarschot · Previous registered office: Sint-Niklaasberg 32 bus 5 te 3200 Aarschot · General meeting of 01-04-2023 · Gazette deed
Incorporation Founding capital of €2,000, 200 shares · Founder: VERSTRAETEN Elyse Emily · Appointment: VERSTRAETEN Elyse Emily (director) · published on 02-06-2020 · Gazette deed
First establishment Albertlaan 47, Aarschot
All 11 events

Comparable companies

same main activity, similar in size and age
Company
ECHO111 Aarschot €38,247 €19,207 5.2% -
IsabelleM Jalhay €33,279 €18,832 -14.6% -
Tia Architectuur Sint-Pieters-Leeuw €27,626 €20,516 54.3% -
Studio Sinc Ghent €33,752 €17,847 73.5% -
RART.Brussels Schaerbeek €46,830 €21,280 5.4% -
SLINE Manage €49,469 €19,945 69.9% -
KARIN CLAEYS INTERIORS Lasne €28,959 €22,338 -32.4% -

These companies have the same main activity as ECHO111: activities of interior architects (NACE 71112). They are comparable in size and age: total assets between €27,600 and €49,500, founded between 2019 and 2021.

Official details

Source: KBO
Status
Active since 28-05-2020Normal situation
Activity
Activities of interior architectsNACE 71112
Establishment unit
2.302.859.0833200 Aarschot, since 28-05-2020
Financial year end
31 December
Peppol
Reachable since 11-07-2025
Company details

Annual accounts 2025

€19,207▼ 11.1%
€12,331▼ 10.7%
€2,000=
€38,247▲ 5.1%
Filing
Filed on 17-04-2026, 105 days before the end of the filing period
Financials

Insights on ECHO111

ECHO111 files the micro format. That format states no turnover. The gross margin fell from €31,049 in 2020 to €19,207 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 17-04-2026, 105 days before the deadline
€19,207
▼ 11.1%
€16,558
▼ 10.6%
€12,331
▼ 10.7%
-€3,916
▲ €887
5.2%
▼ 0.3 percentage points
0.89
▲ 0.03

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €95,000. Estimated: probably between €59,000 and €190,000.

Balance sheet

balance sheet total €38,247 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

5.2%

Higher than 12% of 11,794 companies in 2025.

0.89

Higher than 17% of 11,521 companies in 2025.

32.2%

Higher than 80% of 11,605 companies in 2025.

ECHO111 Middle half of the sector 80% of the sector Micro accounts in architecture and engineering (NACE 71)

Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020
Balance sheet: assets
20/58 38,24736,38745,80547,51550,04241,901
21/28 5,9166,8037,1883,0382,061-
22/27 5,9166,8037,1883,0382,061-
23 1,1699931,8832,0992,061-
24 333705513939--
26 4,4145,1054,793---
29/58 32,33129,58438,61744,47647,98141,901
40/41 7,3587,15213,5688,0995,5248,902
40 7,3365,71413,5548,0915,5248,902
41 211,437158--
54/58 24,63422,43225,04836,37742,45732,998
490/1 340-----
Balance sheet: equity and liabilities
10/49 38,24736,38745,80547,51550,04241,901
10/15 2,0002,00013,44734,43433,55121,645
10/11 2,0002,0002,0002,0002,0002,000
13 --11,44732,43431,55119,645
133 --11,44732,43431,55119,645
17/49 36,24734,38732,35813,08016,49120,256
42/48 36,24734,38731,82613,08016,49120,256
44 2,1021,0411,8639671,5411,195
440/4 2,1021,0411,8639671,5411,195
45 3,3955,4186,41111,81713,41413,194
450/3 1,8675,4184,2249,78913,41411,142
454/9 1,528-2,1872,027-2,051
47/48 30,75127,92823,5512961,5365,867
492/3 --532---
Income statement
9900 19,20721,60418,8646,19218,18831,049
630 1,6682,2421,0531,405269-
640/8 9818451,0331,366892348
66A --1,284---
9901 16,55818,51815,4933,42117,02730,702
75/76B 178988402
75 178988402
65/66B 15613213314010526
65 15613213314010526
9903 16,58018,48415,3693,28616,92330,678
67/77 4,2484,6803,9211,6024,2175,483
9904 12,33113,80411,4471,68412,70625,195
9905 12,33113,80411,4471,68412,70625,195
Appropriation of the result
9906 12,33113,80411,4471,68412,70625,195
791/2 -11,44732,434---
691/2 --11,44788411,90619,645
6921 --11,44788411,90619,645
694/7 12,33125,25132,4348008005,550
694 12,33125,25132,434800800800
695 -----4,750
Document PDFPDFPDFPDFPDFPDF

The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 17-04-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 17-04-2026 2026-00084349 PDF
31-12-2024 micro format 04-07-2025 2025-00245858 PDF
31-12-2023 micro format 21-06-2024 2024-00156309 PDF
31-12-2022 micro format 08-06-2023 2023-00117167 PDF
31-12-2021 micro format 07-06-2022 2022-20062956 PDF
31-12-2020 micro format 21-06-2021 2021-22900426 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020
18,22620,75916,5464,82617,296-
13,99916,04512,5003,08812,975-
7811,8566,4872,3812,330-
2,201-2,616-11,329-6,0809,459-
-3,916-4,8036,79131,39631,49021,645
5.2%5.5%29.4%72.5%67.0%51.7%
0.890.861.213.402.912.07
18.1217.192.410.380.490.94
616.6%690.2%85.1%4.9%37.9%116.4%
32.2%37.9%25.0%3.5%25.4%60.1%
over 100over 100over 10034.48over 100-

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.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€781€1,856€6,487€2,381€2,330
€1,668€2,242€1,053€1,405€269

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on ECHO111

The operating result for 2025 is 11% lower than in 2024.

Debt's share of the balance-sheet total rises from 94.5% to 94.8%. Debt is higher.

Board & ownership

Board

1 director, since incorporation
VERSTRAETEN Elyse Emily
Director
appointed by deed of 02-06-2020 term without a fixed end
listed in the 2025 annual accounts, filed on 17-04-2026

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
VERSTRAETEN Elyse Emily
Director
Board
Mandates as a list
  • VERSTRAETEN Elyse Emily
    • Director, appointed by deed of 02-06-2020, still in office

See the board, name and registered office on a given date →

Control

Founder
VERSTRAETEN Elyse Emily
This company
ECHO111
Equity €2,000
Profit €12,331 in 2025

Capital

Contribution
€2,000
Shares
200
Contribution per share
€10
Equity per share
€10 in 2025
Source
deed of 02-06-2020

Articles of association

deed of 02-06-2020 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
200 shares
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Wednesday of June at 20:00
Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
“Vereffenaar legt voor sluiting vereffening plan voor verdeling activa onder categorieën schuldeisers ter goedkeuring voor aan bevoegde…”
“Geen voorlegging plan aan rechtbank wanneer niet-integraal terugbetaalde schuldeisers aandeelhouders zijn en alle aandeelhouders…”

Shareholders

At incorporation deed of 02-06-2020 ↗

Network & group

No group

ECHO111 has no parent and no holdings in its annual accounts. VERSTRAETEN Elyse Emily is the only director. ECHO111 shares no director with another company.

Timeline

Timeline

11 events since 2020

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed PDFmicro format · 105 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0747690648
Annual accounts 2024 filed PDFmicro format · 27 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 40 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 53 days before the deadline
Registered office moved within AarschotNew registered office: Albertlaan 47 te 3200 Aarschot · Previous registered office: Sint-Niklaasberg 32 bus 5 te 3200 Aarschot · General meeting of 01-04-20232 points ▸
  • General meeting, 01-04-2023
  • Registered-office move, Albertlaan 47 te 3200 Aarschot

Open the deed in the Belgian Official Gazette

2022
Weakest financial year net €1,684 ▼86.7% The net result drops to €1,684, the lowest from 2020 to 2025. It recovers the following year.
Annual accounts 2021 filed PDFmicro format · 54 days before the deadline
2021
Annual accounts 2020 filed PDFmicro format · 40 days before the deadline
2020
IncorporationFounding capital of €2,000, 200 shares · Founder: VERSTRAETEN Elyse Emily · Appointment: VERSTRAETEN Elyse Emily (director) · published on 02-06-20204 points ▸

Open the deed in the Belgian Official Gazette

First establishment Albertlaan 47, Aarschot

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

ECHO111 was incorporated on 28 May 2020 as a private limited company by one natural person, with a starting capital of €2,000.12 The registered office was moved to Aarschot in 2023.3 VERSTRAETEN Elyse Emily is director of the company, appointed by deed of 02-06-2020.2 Total assets went from €41,901 in 2020 to €38,247 in 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 02-06-2020
  3. 3Belgian Official Gazette, 15-05-2023
  4. 4National Bank, annual accounts 2020 and 2025

Company details

Identity

Enterprise number
0747.690.648
VAT number
BE 0747.690.648
Peppol ID
0208:0747690648
Legal form
Private limited company
Status
Active, normal situation
Founded
28-05-2020
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Wednesday of June at 20:00
deed of 02-06-2020 (in Dutch)
Peppol
Reachable since 11-07-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
ECHO111 in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 02-06-2020 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 02-06-2020 (in Dutch)

Activities

NACEBEL 2025
71112 Activities of interior architects main activity
Codes under NACEBEL 2008
71112 Architectural and engineering activities; technical testing and analysis main activity

Registered office and establishments

1 establishment
Establishment Since Unit number
Albertlaan 47 registered office 3200 Aarschot 28-05-2020 2.302.859.083

Buildings and parcels at the address

Ground area
305 m²
Buildings
81 m²
Volume, LiDAR
686 m³
Tallest building
11.7 m
Buildings to scale, each on its own parcel
81 m², 11.7 m 81 m², 11.7 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
24662F0055/00F006305 m² 1 · 81 m² 11.7 m · 3

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