Éclor
ActiveÉclor has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €-2k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 16% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-10
Solvency32▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.92 against 1.03 in 2024; short-term debt: 87% and cash: 1.9% of total assets), and 92.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
7.4%
Return on assets
-0.6%
Age of the figures
15 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 7431 sector peers (2025).
NBB · sector comparisonPosition among 7431 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
3 d late
2023
14 d late
2022
on the day
2021
2 d early
2020
31 d late
2019
42 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▼ 7.8%
2024 · €28k
2019: €16k
2020: €21k
2021: €23k
2022: €24k
2023: €27k
2024: €28k
2019 → 2025
Total assets
€347k▼ 50.0%
2024 · €695k
2019: €154k
2020: €116k
2021: €191k
2022: €316k
2023: €671k
2024: €695k
2019 → 2025
Net result
€-2k
2024 · €49k
2019: €558
2020: €5k
2021: €2k
2022: €1k
2023: €47k
2024: €49k
2019 → 2025
Working capital
€-23k
2024 · €18k
2019: €14k
2020: €19k
2021: €-120
2022: €107k
2023: €118k
2024: €18k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€24k▲ 4.4%€27k▲ 10.0%€28k▲ 4.5%€26k▼ 7.8%
Operating result€4k-€7k▲ 78.3%€56k▲ 753%€72k▲ 28.3%€1k▼ 98.3%
Net result€2k-€1k▼ 49.9%€47k▲ 4,499%€49k▲ 2.7%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 98% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €347k
Fixed assets
€68k▼ 6.0%
Current assets
€279k▼ 55.1%
Equity and liabilities €347k
Equity
€26k▼ 7.8%
Debt
€321k▼ 51.8%
The debt ratio falls from 96.0% to 92.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€31k▼
2024 · €98k
Cash flow
€28k▼
2024 · €75k
Solvency
7.4%▲
2024 · 4.0%
Current ratio
0.92▼
2024 · 1.03
Quick ratio
0.91▼
2024 · 1.02
Debt / equity
12.43▼
2024 · 23.76
ROE
-8.5%▼
2024 · 173.7%
ROA
-0.6%▼
2024 · 7.0%
Interest coverage
83.32▼
2024 · 458.87
Debt
€321k▼
2024 · €667k
Debt ≤ 1 year
€302k▼
2024 · €603k
Income taxes
€4k▼
2024 · €23k
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€695k€347k▼
Fixed assets21/28€73k€68k▼
Tangible fixed assets22/27€71k€68k▼
Plant, machinery and equipment23€29k€15k▼
Furniture and vehicles24€42k€53k▲
Financial fixed assets28€2k€496▼
Current assets29/58€622k€279k▼
Stocks and contracts in progress3€4k€4k▼
Stocks30/36€4k€4k▼
Amounts receivable within one year40/41€570k€267k▼
Trade receivables40€525k€230k▼
Other amounts receivable41€45k€37k▼
Cash at bank and in hand54/58€46k€7k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€695k€347k▼
Equity10/15€28k€26k▼
Contributions10/11€15k€15k=
Outside capital11€15k€15k=
Other1109/19€15k€15k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€11k€9k▼
Amounts payable17/49€667k€321k▼
Amounts payable within one year42/48€603k€302k▼
Trade debts44€526k€294k▼
Suppliers440/4€526k€294k▼
Taxes, remuneration and social security45€44k€8k▼
Taxes450/3€44k€8k▼
Other amounts payable47/48€33k-
Accrued charges and deferred income492/3€63k€19k▼
Income statement
Code20242025
Non-recurring operating income76A€1k€500▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€30k▲
Other operating charges640/8€13k€1k▼
Gross operating margin9900€111k€32k▼
Operating profit (loss)9901€72k€1k▼
Financial income75/76B€0€2k▲
Recurring financial income75€0€2k▲
Financial charges65/66B€214€2k▲
Recurring financial charges65€214€372▲
Non-recurring financial charges66B-€2k
Profit (loss) for the period before taxes9903€72k€2k▼
Income taxes67/77€23k€4k▼
Profit (loss) for the period9904€49k€-2k▼
Profit (loss) for the period to be appropriated9905€49k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€9k▼
Profit (loss) brought forward from the previous period14P€10k€11k▲
Profit to be distributed694/7€48k-
Return on contributions (dividend)694€48k-
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-2k ▼105%
Net result drops to €-2k, the lowest in the series.
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
30-06
Financial
Highest result since 2019net €49k ▲2.7%
Operating result €72k, net result €49k, both a record.
14-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
13-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
22-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
03-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 3 days late
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, Ecaussinnes · 1 establishment unit since 2014
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.
Rue de la Dr. A-M Dutrieux 67190 Ecaussinnes1 establishment unit
Rue de la Dr. A-M Dutrieux 6, 7190 Ecaussinnes
since 20142.226.073.289
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Of 2,452 companies in sector 41003 we hold annual accounts for 1,055. 642 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2014
Fiscal year end30-06
Activities, NACEBEL
41003General construction of other non-residential buildings
41001General construction of residential buildings
43110Demolition
43310Plastering work
43320Joinery installation
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filings
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.