écoconso
Activeécoconso has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €552k and a net result of €40k. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 290 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
94
/ 100
Excellent▲ +42 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability36▲+36
Solvency99▼-1
Growth52=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 4.07 against 5.09 in 2023), and 38.6% 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+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-07-2025, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
22 d early
2023
26 d early
2022
46 d early
2021
26 d early
2020
32 d early
2019
15 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€40k
2023 · €-3k
2018: €76k
2019: €146k
2020: €38k
2021: €82k
2022: €58k
2023: €-3k
2018 → 2024
Working capital
€605k▲ 36.4%
2023 · €444k
2018: €219k
2019: €280k
2020: €316k
2021: €371k
2022: €464k
2023: €444k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€375k-€457k▲ 21.8%€515k▲ 12.6%€512k▼ 0.5%€552k▲ 7.8%
Operating result€39k-€82k▲ 112%€58k▼ 29.1%€2k▼ 96.6%€38k▲ 1,818%
Net result€38k-€82k▲ 112%€58k▼ 29.3%€-3k€40k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 1,818% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €900k
Fixed assets
€98k▲ 17.5%
Current assets
€802k▲ 45.3%
Equity and liabilities €900k
Equity
€552k▲ 7.8%
Debt
€347k▲ 183%
The debt ratio rises from 19.4% to 38.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€49k▲
2023 · €5k
Cash flow
€51k▲
2023 · €170
Solvency
61.4%▼
2023 · 80.6%
Current ratio
4.07▼
2023 · 5.09
Quick ratio
4.07▼
2023 · 5.09
Debt / equity
0.63▲
2023 · 0.24
ROE
7.2%▲
2023 · -0.5%
ROA
4.5%▲
2023 · -0.4%
Interest coverage
39.21▲
2023 · 0.79
Debt
€347k▲
2023 · €123k
Debt ≤ 1 year
€197k▲
2023 · €109k
Staff costs
€696k▲
2023 · €654k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€635k€900k▲
Fixed assets21/28€83k€98k▲
Intangible fixed assets21€1k€17k▲
Tangible fixed assets22/27€2k€569▼
Furniture and vehicles24€2k€569▼
Financial fixed assets28€80k€81k▲
Current assets29/58€552k€802k▲
Amounts receivable within one year40/41€100k€213k▲
Trade receivables40€68k€29k▼
Other amounts receivable41€33k€183k▲
Cash at bank and in hand54/58€424k€581k▲
Deferred charges and accrued income490/1€28k€8k▼
Equity and liabilities
Total equity and liabilities10/49€635k€900k▲
Equity10/15€512k€552k▲
Reserves13€512k€552k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€123k€347k▲
Amounts payable within one year42/48€109k€197k▲
Trade debts44€8k€66k▲
Suppliers440/4€8k€66k▲
Taxes, remuneration and social security45€100k€131k▲
Taxes450/3€22k€28k▲
Remuneration and social security454/9€78k€103k▲
Accrued charges and deferred income492/3€14k€151k▲
Income statement
Code20232024
Non-recurring operating income76A€2k€3k▲
Goods, raw materials, services and sundry goods60/61€93k€191k▲
Remuneration, social security and pensions62€654k€696k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€11k▲
Other operating charges640/8€3k€17k▲
Gross operating margin9900€662k€762k▲
Operating profit (loss)9901€2k€38k▲
Financial income75/76B€1k€4k▲
Recurring financial income75€1k€4k▲
Financial charges65/66B€6k€2k▼
Recurring financial charges65€6k€1k▼
Non-recurring financial charges66B-€344
Profit (loss) for the period before taxes9903€-3k€40k▲
Profit (loss) for the period9904€-3k€40k▲
Profit (loss) for the period to be appropriated9905€-3k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€391k€40k▼
Profit (loss) brought forward from the previous period14P€394k-
To contributions691€391k€40k▼
Social balance
Average headcount (FTE)90878.48.5▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-3k ▼104%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €500kEq €515k ▲12.6%
5 profitable years in a row build equity to €515k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €146k ▲91.2%
Operating result €145k, net result €146k, both a record.
31-12
Financial
Equity above €200kEq €337k ▲76%
2 profitable years in a row build equity to €337k.
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
02-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
15-04
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 directors, no change since 2025
Sylvie Droulans
CurrentDirector · since 24-09-2025
DECIDE asbl
CurrentDirector · since 02-08-2024 · Legal entity · perm. rep.: Emma Wauthier
24-09-2025
Sylvie Droulans: Appointed as Director
24-09-2025
Hugues Latteur: Resigned as Director
02-08-2024
DECIDE asbl: Appointed as Director
02-08-2024
Arabelle Rasse: Resigned as Director
02-08-2024
Nathalie Ricaille: Resigned as Director
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2008
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 Nanon 985000 NamurGround area
174 m²
Parcel 92094B0121/00Y002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Nanon 98, 5000 Namur
since 20082.372.186.567
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92094B0121/00Y002indicative | Wallonia | 174 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Wallonia-Brussels Federation
2023 to 2025 · 10 entries · 413,301 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 3 | 150,134 EUR |
| 2024 | 3 | 137,544 EUR |
| 2023 | 4 | 125,623 EUR |
Budget allocations
Subventions aux associations reconnues à durée indéterminée dans le cadre du décret du 17 juillet 2003
Subventions aux associations reconnues à durée déterminée et indéterminée dans le cadre du décret du 17 juillet 2003
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INFINITY CONSTRUCT
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BE 0754.523.903
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Greystone Recruitment
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EQUIP'
BE 0451.141.852
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Of 1,009 companies in sector 78200 we hold annual accounts for 644. 409 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded03-12-2002
Fiscal year end31-12
Activities, NACEBEL
78200Temporary employment agencies and other provision of personnel
78300Employment activities
91330
94994Activities of membership organisations
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.