Ecoluc.be

Active

Private limited companyfounded 20215 yrs activeStationsstraat(HA) 137, 9450 Haaltert, BelgiumKBO/BCE: BE 0766.995.925

The computed 12-month bankruptcy probability of Ecoluc.be is 2.4% (moderate). The 2024 annual accounts show equity of €5k and a net result of €-5k. Equity is shrinking by ~59.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 38% of 15866 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

33 / 100

Weak▲ +3 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0=

Solvency28▼-12

Growth32=

Stability94

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.75 against 0.55 in 2023), and 76.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

23.4%

Return on assets

-24.8%

Age of the figures

20 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

222324

2022 to 2024 · latest year -€5k

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-07-2025, 17 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

17 d early

2023

32 d early

2022

34 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€5k▼ 51.4%

2023 · €11k

2022: €18k 2023: €11k

2022 → 2024

Total assets

€22k▼ 33.0%

2023 · €33k

2022: €49k 2023: €33k

2022 → 2024

Net result

€-5k▲ 24.5%

2023 · €-7k

2022: €15k 2023: €-7k

2022 → 2024

Working capital

€-4k▲ 57.5%

2023 · €-10k

2022: €-2k 2023: €-10k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€18k-€11k▼ 40.5%€5k▼ 51.4%

Operating result€19k-€-6k€-4k▲ 28.1%

Net result€15k-€-7k€-5k▲ 24.5%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €4k in 2024 against €6k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €22k

42.9%

57.1%

Fixed assets €9k▼ 54.4%

Current assets €13k▲ 3.4%

Equity and liabilities €22k

23.4%

76.6%

Equity €5k▼ 51.4%

Debt €17k▼ 24.3%

The debt ratio rises from 67.8% to 76.6%: equity shrinks faster than debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€7k▲

2023 · €4k

Cash flow

€6k▲

2023 · €3k

Solvency

23.4%▼

2023 · 32.2%

Current ratio

0.75▲

2023 · 0.55

Quick ratio

0.68▲

2023 · 0.46

Debt / equity

3.28▲

2023 · 2.10

ROE

-105.9%▼

2023 · -68.1%

ROA

-24.8%▼

2023 · -22.0%

Interest coverage

7.12▲

2023 · 4.05

Debt

€17k▼

2023 · €22k

Debt ≤ 1 year

€17k▼

2023 · €22k

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€33k€22k▼

Fixed assets21/28€21k€9k▼

Intangible fixed assets21€20k€9k▼

Tangible fixed assets22/27€735€335▼

Furniture and vehicles24€735€335▼

Current assets29/58€12k€13k▲

Stocks and contracts in progress3€2k€1k▼

Stocks30/36€2k€1k▼

Amounts receivable within one year40/41€623€567▼

Trade receivables40€404€567▲

Other amounts receivable41€219€0▼

Cash at bank and in hand54/58€8k€9k▲

Deferred charges and accrued income490/1€2k€2k=

Equity and liabilities

Total equity and liabilities10/49€33k€22k▼

Equity10/15€11k€5k▼

Contributions10/11€3k€3k=

Reserves13€15k€15k=

Distributable reserves133€15k€15k=

Profit (loss) carried forward14€-7k€-13k▼

Amounts payable17/49€22k€17k▼

Amounts payable within one year42/48€22k€17k▼

Trade debts44€13k€10k▼

Suppliers440/4€13k€10k▼

Taxes, remuneration and social security45€4k€2k▼

Taxes450/3€4k€2k▼

Other amounts payable47/48€5k€5k▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k€0▼

Other operating charges640/8€4k€2k▼

Gross operating margin9900€9k€9k▲

Operating profit (loss)9901€-6k€-4k▲

Financial income75/76B-€0

Recurring financial income75-€0

Financial charges65/66B€961€950▼

Recurring financial charges65€961€950▼

Profit (loss) for the period before taxes9903€-7k€-5k▲

Income taxes67/77€0-

Profit (loss) for the period9904€-7k€-5k▲

Profit (loss) for the period to be appropriated9905€-7k€-5k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-7k€-13k▼

Profit (loss) brought forward from the previous period14P-€-7k

Transfer to equity691/2€0-

To other reserves6921€0-

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

2025

14-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

29-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €-7k ▼149%

Net result drops to €-7k, the lowest in the series; recovery starts the following year.

27-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Haaltert · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Stationsstraat(HA) 1379450 Haaltert

Ground area

2,394 m²

Building footprint

568 m²

Parcel 41024B0194/00C004, Flanders. Linked by address, not a title deed.

1 establishment unit

Ecoluc.be

Stationsstraat(HA) 137, 9450 HaaltertWholesale trade

since 20212.316.426.910

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41024B0194/00C004	Flanders	2,394 m²	1 · 568 m²	-

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 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

Flemish government

2022 · 1 entry · 2,024 EUR awarded · 2,024 EUR paid

Year	Entries	awarded	paid
2022	1	2,024 EUR	2,024 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 2,024 EUR · 2,024 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

STUCKERS BOUWMATERIALEN

BE 0880.458.211

Antwerpen · Eq €5k

Of 1,794 companies in sector 46831 we hold annual accounts for 1,390. 208 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-04-2021

Fiscal year end31-12

Activities, NACEBEL

46831Wholesale of construction materials, general range

47529Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.