ECHOLINE
ActiveSummary
ECHOLINE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of €117,573. Equity is growing by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 77% of 398 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▼-6
Solvency100▲+12
Growth85=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 6.66 against 7.29 in 2024; short-term debt: 8.1% and cash: 53.1% of total assets), and 23.4% of the assets are financed with debt.
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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 88
Relative position
BE, all sectors
reference
Social work activities without accommodation (NACE 88)
about 62% fewer bankruptcies
← 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
76.6%
Return on assets
7.5%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
9 d early
2024
8 d early
2023
1 d early
2022
361 d late
2021
20 d early
2019
28 d late
2018
57 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 42 days after the deadline; the sector median for financial year 2024 is 24 days before the deadline, and 25% of the sector filed late.
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. Usually files around 23 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€61,026▼ 24.5%
2024 · €80,813
EBIT margin
160.6%▼ 11.5pp
2024 · 172.1%
Net result
€117,573▼ 16.0%
2024 · €140,028
Working capital
€720,551▲ 1.4%
2024 · €710,388
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 88, Social work activities without accommodation, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€7,377-€22,565▲ 206%€68,023▲ 201%€80,813▲ 18.8%€61,026▼ 24.5%
Operating result€53,839-€58,281▲ 8.2%€49,772▼ 14.6%€139,074▲ 179%€97,999▼ 29.5%
Net result€53,802within the sector's middle half-€58,223within the sector's middle half▲ 8.2%€50,559within the sector's middle half▼ 13.2%€140,028within the sector's middle half▲ 177%€117,573within the sector's middle half▼ 16.0%
EBIT margin729.8%-258.3%▼ 471.5pp73.2%▼ 185.1pp172.1%▲ 98.9pp160.6%▼ 11.5pp
Equity€327,342within the sector's middle half-€385,566within the sector's middle half▲ 17.8%€436,124within the sector's middle half▲ 13.1%€626,152within the sector's middle half▲ 43.6%€1.2mwithin the sector's middle half▲ 92.3%
Total assets€500,471below the sector's middle half-€577,804below the sector's middle half▲ 15.5%€774,778within the sector's middle half▲ 34.1%€994,284within the sector's middle half▲ 28.3%€1.6mwithin the sector's middle half▲ 58.1%
Debt€83,129-€102,239▲ 23.0%€98,654▼ 3.5%€128,132▲ 29.9%€127,440▼ 0.5%
Working capital€414,265within the sector's middle half-€473,727within the sector's middle half▲ 14.4%€654,503within the sector's middle half▲ 38.2%€710,388within the sector's middle half▲ 8.5%€720,551within the sector's middle half▲ 1.4%
Solvency65.4%within the sector's middle half-66.7%within the sector's middle half▲ 1.3pp56.3%within the sector's middle half▼ 10.4pp63.0%within the sector's middle half▲ 6.7pp76.6%above the sector's middle half▲ 13.6pp
Current ratio5.98above the sector's middle half-5.63above the sector's middle half▼ 0.357.63above the sector's middle half▲ 2.007.29above the sector's middle half▼ 0.346.66above the sector's middle half▼ 0.63
Return on assets (ROA)10.8%above the sector's middle half-10.1%above the sector's middle half▼ 0.7pp6.5%above the sector's middle half▼ 3.6pp14.1%above the sector's middle half▲ 7.6pp7.5%within the sector's middle half▼ 6.6pp
Staff (FTE)6.9below the sector's middle half-6.6below the sector's middle half▼ 4.3%6.5below the sector's middle half▼ 1.5%7.4below the sector's middle half▲ 13.8%6.9below the sector's middle half▼ 6.8%
above
within
below
the middle half (P25 to P75) of NACE 88, Social work activities without accommodation, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.6m
Fixed assets
€723,875 ▲ 323%
Current assets
€847,789 ▲ 3.0%
Equity and liabilities €1.6m
Equity
€1.2m ▲ 92.3%
Provisions
€240,000 =
Debt
€127,440 ▼ 0.5%
Debt's share of the balance-sheet total falls from 12.9% to 8.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€122,344▼
2024 · €140,821
Cash flow
€141,918▲
2024 · €141,774
Debt to equity
0.11▼
2024 · 0.20
ROE
9.8%▼
2024 · 22.4%
Interest coverage
64.81▼
2024 · 181.81
Debt ≤ 1 year
€127,238▲
2024 · €112,905
Staff costs
€647,146=
2024 · €647,123
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,370 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €523,306 | €619,615 | €813,875 | €853,118 | €850,884 | ▼ 0.3% |
| Turnover70 | €7,377 | €22,565 | €68,023 | €80,813 | €61,026 | ▼ 24.5% |
| Other operating income74 | €515,928 | €597,050 | €745,853 | €772,306 | €789,858 | ▲ 2.3% |
| Operating charges60/66A | €469,466 | €561,335 | €764,104 | €714,044 | €752,885 | ▲ 5.4% |
| Goods for resale, raw materials and consumables60 | €6,949 | €1,449 | €5,034 | €2,014 | €6,920 | ▲ 244% |
| Purchases600/8 | €6,949 | €1,449 | €5,034 | €2,014 | €6,920 | ▲ 244% |
| Services and other goods61 | €40,994 | €48,346 | €45,474 | €63,159 | €67,935 | ▲ 7.6% |
| Remuneration, social security and pensions62 | €420,285 | €510,297 | €562,051 | €647,123 | €647,146 | = |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,239 | €1,239 | €1,371 | €1,746 | €24,345 | ▲ 1,294% |
| Other operating charges640/8 | - | €4 | €174 | €1 | €1,940 | ▲ 135,596% |
| Non-recurring operating charges66A | - | - | - | - | €4,598 | - |
| Operating profit (loss)9901 | €53,839 | €58,281 | €49,772 | €139,074 | €97,999 | ▼ 29.5% |
| Financial income75/76B | €92 | €89 | €1,258 | €1,728 | €21,461 | ▲ 1,142% |
| Recurring financial income75 | €92 | €89 | €1,258 | €1,728 | €21,461 | ▲ 1,142% |
| Income from current assets751 | €92 | €89 | €1,258 | €1,728 | €21,461 | ▲ 1,142% |
| Financial charges65/66B | €130 | €146 | €471 | €775 | €1,888 | ▲ 144% |
| Recurring financial charges65 | €130 | €146 | €471 | €775 | €1,888 | ▲ 144% |
| Other financial charges652/9 | €130 | €146 | €471 | €775 | €1,888 | ▲ 144% |
| Profit (loss) for the period before taxes9903 | €53,802 | €58,223 | €50,559 | €140,028 | €117,573 | ▼ 16.0% |
| Profit (loss) for the period9904 | €53,802 | €58,223 | €50,559 | €140,028 | €117,573 | ▼ 16.0% |
| Profit (loss) for the period to be appropriated9905 | €53,802 | €58,223 | €50,559 | €140,028 | €117,573 | ▼ 16.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €500,471 | €577,804 | €774,778 | €994,284 | €1.6m | ▲ 58.1% |
| Fixed assets21/28 | €3,077 | €1,838 | €21,622 | €170,992 | €723,875 | ▲ 323% |
| Tangible fixed assets22/27 | €3,077 | €1,838 | €21,622 | €170,992 | €723,875 | ▲ 323% |
| Land and buildings22 | - | - | - | - | €705,381 | - |
| Plant, machinery and equipment23 | - | - | €1,648 | €1,313 | €978 | ▼ 25.5% |
| Furniture and vehicles24 | €3,077 | €1,838 | €4,974 | €4,162 | €17,516 | ▲ 321% |
| Assets under construction and advance payments27 | - | - | €15,000 | €165,518 | - | - |
| Current assets29/58 | €497,394 | €575,966 | €753,156 | €823,292 | €847,789 | ▲ 3.0% |
| Amounts receivable within one year40/41 | €3,976 | €2,313 | €4,634 | €8,320 | €1,965 | ▼ 76.4% |
| Trade receivables40 | €226 | €300 | - | - | - | - |
| Other amounts receivable41 | €3,750 | €2,013 | €4,634 | €8,320 | €1,965 | ▼ 76.4% |
| Cash at bank and in hand54/58 | €484,170 | €573,450 | €748,387 | €813,785 | €834,086 | ▲ 2.5% |
| Deferred charges and accrued income490/1 | €9,248 | €203 | €135 | €1,188 | €11,738 | ▲ 888% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €500,471 | €577,804 | €774,778 | €994,284 | €1.6m | ▲ 58.1% |
| Equity10/15 | €327,342 | €385,566 | €436,124 | €626,152 | €1.2m | ▲ 92.3% |
| Profit (loss) carried forward14 | €327,342 | €385,566 | €436,124 | €576,152 | €693,725 | ▲ 20.4% |
| Investment grants15 | - | - | - | €50,000 | €510,499 | ▲ 921% |
| Provisions and deferred taxes16 | €90,000 | €90,000 | €240,000 | €240,000 | €240,000 | = |
| Provisions for liabilities and charges160/5 | €90,000 | €90,000 | €240,000 | €240,000 | €240,000 | = |
| Major repairs and maintenance162 | €90,000 | €90,000 | €240,000 | €240,000 | - | - |
| Other liabilities and charges164/5 | - | - | - | - | €240,000 | - |
| Amounts payable17/49 | €83,129 | €102,239 | €98,654 | €128,132 | €127,440 | ▼ 0.5% |
| Amounts payable within one year42/48 | €83,129 | €102,239 | €98,654 | €112,905 | €127,238 | ▲ 12.7% |
| Trade debts44 | €7,156 | €1,476 | €3,310 | €12,155 | €2,835 | ▼ 76.7% |
| Suppliers440/4 | €7,156 | €1,476 | €3,310 | €12,155 | €2,835 | ▼ 76.7% |
| Taxes, remuneration and social security45 | €75,903 | €100,712 | €95,117 | €100,700 | €99,353 | ▼ 1.3% |
| Taxes450/3 | €9,226 | €13,502 | €12,506 | €12,960 | €9,640 | ▼ 25.6% |
| Remuneration and social security454/9 | €66,677 | €87,210 | €82,611 | €87,739 | €89,714 | ▲ 2.3% |
| Accrued charges and deferred income492/3 | - | - | - | €15,228 | €202 | ▼ 98.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €53,802 | €58,223 | €50,559 | €140,028 | €117,573 | ▼ 16.0% |
| + Depreciation and write-downs630 | €1,239 | €1,239 | €1,371 | €1,746 | €24,345 | ▲ 1,294% |
| Operating cash flow (approximation) | €55,040 | €59,462 | €51,930 | €141,774 | €141,918 | ▲ 0.1% |
| Investment in fixed assets (approximation) | - | €0 | -€21,155 | -€151,117 | -€577,228 | ▼ 282% |
| Change in cash | - | €89,280 | €174,936 | €65,398 | €20,301 | ▼ 69.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-09
State Gazette act
Admissions: Docteur Virginie PIERARD (membre effectif de l'asbl) and Docteur Anne-Céline CHERON (membre effectif de l'asbl)Appointment: Docteur Anne-Céline CHERON (director) · Declaration5 facts ▸
State Gazette act
Admissions: Docteur Virginie PIERARD (membre effectif de l'asbl) and Docteur Anne-Céline CHERON (membre effectif de l'asbl)
Appointment: Docteur Anne-Céline CHERON (director) · Declaration5 facts ▸
- General meeting, 16-06-2026
- Member admission, Docteur Virginie PIERARD (membre effectif de l'asbl)
- Member admission, Docteur Anne-Céline CHERON (membre effectif de l'asbl)
- Director appointment, Docteur Anne-Céline CHERON (director)
- Declaration, absence of mandate renewals, resignations or revocations
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €1mEq €1.2m ▲92.3%
7 profitable years in a row build equity to €1.2m.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €140,028 ▲177%
Operating result €139,074, net result €140,028, both a record.
31-12
Financial
Equity above €500,000Eq €626,152 ▲43.6%
6 profitable years in a row build equity to €626,152.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 361 days late
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
2019
31-12
Financial
Equity above €200,000Eq €220,885 ▲33.9%
2 profitable years in a row build equity to €220,885.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 19 acts read
About the unread acts
Of the 19 Belgian State Gazette acts we know for this company, 1 has been read. The other 18 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Docteur Anne-Céline CHERON
CurrentDirector · since 16-06-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
18 of this company's 19 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2001
Ground area
1.0 ha
Building footprint
158 m²
Volume, LiDAR
1,352 m³
2 parcels, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
ECHOLINE
since 20012.197.837.282
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52049B1158/00A000 | Wallonia | 9,639 m² | - | - |
| 52049B0410/00D000 | Wallonia | 556 m² | 1 · 158 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| Docteur Anne-Céline CHERON |
|
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Click a node to look further, drag to arrange, scroll to zoom.
Public money · subsidies and aid
Wallonia-Brussels Federation
2024 to 2025 · 4 entries · 347,512 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 3 | 184,154 EUR |
| 2024 | 1 | 163,358 EUR |
Budget allocations
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Of 2,200 companies in sector 88999 we hold annual accounts for 806. 548 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formNon-profit association
Founded28-03-2001
Fiscal year end31-12
Activities, NACEBEL 2025
88999Other social work without accommodation
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0475129358
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.