Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of ECK is 0.3% (very low). The 2021 annual accounts show equity of €232k and a net result of €25k. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 83% of 3538 sector peers (fiscal year 2021). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Signals
Insufficient current data: the most recent filed accounts (financial year 2021) are too old to derive current signals.
Filing behaviour
From the deposit records, complete market-wideAnnual accounts not filed
The financial year that closed on 31-12-2022 was due at the National Bank by 31-07-2023. Nothing is on record today, 1125 days later. 4 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed more than 90 days late
The financial year that closed on 31-12-2021 was due by 31-07-2022 and was filed on 03-04-2023, 246 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2021, that is 31-07-2022.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | nothing on record | not filed | - |
| 31-12-2022 | 31-07-2023 | nothing on record | not filed | - |
| 31-12-2021 | 31-07-2022 | 03-04-2023 | 246 d late | 2023-00051983 |
| 31-12-2020 | 31-07-2021 | 31-03-2023 | 608 d late | 2023-00050570 |
| 31-12-2019 | 31-07-2020 | 31-03-2023 | 973 d late | 2023-00050552 |
| 31-12-2018 | 31-07-2019 | 31-03-2023 | 1339 d late | 2023-00050521 |
| 31-12-2017 | 31-07-2018 | 03-10-2018 | 64 d late | 2018-68400549 |
| 31-12-2016 | 31-07-2017 | 03-10-2018 | 429 d late | 2018-68400541 |
| 31-12-2015 | 31-07-2016 | 03-10-2018 | 794 d late | 2018-68400565 |
| 31-12-2014 | 31-07-2015 | 01-10-2018 | 1158 d late | 2018-68100588 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
Founded in 2011, 15 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.3%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Annual accounts: weaker financial profile
+Long track record
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€48k+110.4%
EBIT margin71.3%+24.2pp
Net result€25k+236.5%
Working capital€232k+11.9%
Annual accounts & ratios
Source: NBB · 2021Annual accounts filed on 03-04-2023 with the NBB · fiscal year 2021 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~12.6%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2021 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 76.3% | 51.9% | |
| Net result | €25k | €20k | |
| Equity | €232k | €37k | |
| Gross operating margin | €35k | €36k | |
| Total assets | €305k | €88k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€48k
+110.4%
18-21
€11k
-90.1%
18-21
€25k
+236.5%
18-21
€7k
-92.1%
18-21
€305k
+6.9%
18-21
€232k
+11.9%
18-21
€232k
+11.9%
18-21
€9k
+226.7%
18-21
Show 11 other metrics
€72k
-6.5%
18-21
€72k
-6.5%
18-21
4.21
+14.3%
18-21
4.21
+14.3%
18-21
76.3%
+4.7%
18-21
0.31
-16.4%
18-21
10.6%
+200.8%
18-21
8.1%
+214.8%
18-21
51.4%
+59.9%
18-21
47.8%
-45.4%
18-21
20.84
-89.9%
18-21
Figures by fiscal year
| Fiscal year | 2021 |
|---|---|
| Deposit | micro |
| Revenue | €48k |
| EBITDA | - |
| Net profit | €25k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €9k |
| Dividends | - |
| Total assets | €305k |
| Equity | €232k |
| Debt | €72k |
| of which ≤ 1y | €72k |
| of which > 1y | - |
| Working capital | €232k |
| Employees (FTE) | - |
Ratios (computed)
| 2021 | |
|---|---|
| Current ratio | 4.21 |
| Quick ratio | 4.21 |
| Working capital ratio | 76.3% |
| Solvency | 76.3% |
| Debt / equity | 0.31 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | 69.8% |
| Net margin | 51.4% |
| ROA | 8.1% |
| ROE | 10.6% |
| EBITDA margin | - |
| Days sales outstanding | 443d |
| Days payable outstanding | 22d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2021
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2021 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €305k |
| Current assets | 29/58 | €305k |
| Amounts receivable within one year | 40/41 | €58k |
| Cash & bank | 54/58 | €246k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €305k |
| Equity | 10/15 | €232k |
| Contributions / capital | 10/11 | €30k |
| Reserves | 13 | €3k |
| Accumulated profits (losses) | 14 | €199k |
| Amounts payable | 17/49 | €72k |
| Amounts payable within one year | 42/48 | €72k |
| Trade debts payable within one year | 44 | €870 |
| Income statement | ||
| Turnover | 70 | €48k |
| Gross operating margin | 9900 | €35k |
| Operating result | 9901 | €34k |
| Financial charges | 65 | €103 |
| Result before taxes | 9903 | €34k |
| Income taxes | 67/77 | €9k |
| Net result for the period | 9904 | €25k |
| Result to be appropriated | 9905 | €25k |
This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2021 · computed93
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2021. Indicative, not credit advice.
Directors
Directors & mandates
1 director5 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
Marie-Rose De MaeseneerNon-statutory directorState Gazette act 24114008 (30-07-2024)Current30-07-2024 → present
2 events
- 30-07-2024 Resigned· Director
- 30-07-2024 Appointed· Non-statutory director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200) |
| Legal form | Private limited company(610) |
| Incorporation | 20-05-2011 |
| Status | Active |
| Postal code | 8791 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationECK CONSULTING & DESIGN
since 20112.200.052.248
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area3,237 m²
Buildings2
Building footprint252 m²
Volume (LiDAR)1,451 m³
Tallest building8.5 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44037A1170/00G000 | Flanders | 2,977 m² | 1 · 187 m² | 8.5 m · 2 fl. |
| 34006A0461/00H000 | Flanders | 260 m² | 1 · 65 m² | 7.9 m · 2 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Capital history · 1
30-07-2024
Capital change
Address history · 1
02-04-2024
Registered-office move
All acts · 2
updated 2 years ago
2024
30-07-2024 All shares are now held by a single shareholder
Notary:
BERNARD DESMET · NazarethFirm:
VERSCHUEREN & DESMET, geassocieerde notarissen
02-04-2024 Registered office moved from Asse to Beveren-Leie
- Vijverstraat 13 B-1730 Asse → Kardinaal Schottestraat 11 te 8791 Beveren-Leie (Waregem)
Analysis
Financial profile
5 of 5 axes measured81
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
93
Profitability
76
Solvency
100
Growth
35
Stability
100
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 15,458 of the 82,197 companies in this sector. 11,390 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Activiteiten van stedebouwkundige en tuin- en landschapsarchitecten71113
Primary activity highlighted.
Names & trade names
| Legal nameNL | ECK |
Registered office
Kardinaal Schottestraat 11
8791 Waregem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.