ECTO
ActiveECTO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €13k. Equity is growing by ~37.9% per year across the filed fiscal years. Its solvency ranks better than 68% of 16922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
93
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency93▲+10
Growth52=
Stability94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.26 in 2024), and 24.2% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
75.8%
Return on assets
18.7%
Age of the figures
8 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 01-07-2026, 30 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
30 d early
2024
4 d early
2023
3 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▲ 32.9%
2024 · €38k
2023: €22k
2024: €38k
2023 → 2025
Total assets
€67k▲ 8.5%
2024 · €62k
2023: €35k
2024: €62k
2023 → 2025
Net result
€13k▼ 30.5%
2024 · €18k
2023: €19k
2024: €18k
2023 → 2025
Working capital
€11k▲ 102%
2024 · €6k
2023: €19k
2024: €6k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€22k-€38k▲ 75.1%€51k▲ 32.9%
Operating result€26k-€27k▲ 3.1%€19k▼ 29.5%
Net result€19k-€18k▼ 4.0%€13k▼ 30.5%
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 30% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€39k▲ 14.1%
Current assets
€28k▲ 1.4%
Equity and liabilities €67k
Equity
€51k▲ 32.9%
Debt
€16k▼ 31.1%
The debt ratio falls from 38.1% to 24.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€27k▼
2024 · €30k
Cash flow
€20k▼
2024 · €21k
Solvency
75.8%▲
2024 · 61.9%
Current ratio
1.71▲
2024 · 1.26
Quick ratio
1.71▲
2024 · 1.26
Debt / equity
0.32▼
2024 · 0.62
ROE
24.7%▼
2024 · 47.3%
ROA
18.7%▼
2024 · 29.3%
Interest coverage
9.74▲
2024 · 8.38
Debt
€16k▼
2024 · €24k
Debt ≤ 1 year
€16k▼
2024 · €22k
Debt > 1 year
€0▼
2024 · €1k
Income taxes
€4k▼
2024 · €5k
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€62k€67k▲
Fixed assets21/28€34k€39k▲
Tangible fixed assets22/27€34k€39k▲
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€11k€13k▲
Other tangible fixed assets26€21k€24k▲
Current assets29/58€27k€28k▲
Amounts receivable within one year40/41€16k€11k▼
Trade receivables40€16k€11k▼
Other amounts receivable41€47€0▼
Cash at bank and in hand54/58€11k€15k▲
Deferred charges and accrued income490/1€467€1k▲
Equity and liabilities
Total equity and liabilities10/49€62k€67k▲
Equity10/15€38k€51k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€35k€48k▲
Amounts payable17/49€24k€16k▼
Amounts payable after more than one year17€1k€0▼
Financial debts170/4€1k€0▼
Amounts payable within one year42/48€22k€16k▼
Current portion of amounts payable after more than one year42€3k€1k▼
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€12k€12k▲
Taxes450/3€12k€12k▲
Other amounts payable47/48€1k€562▼
Accrued charges and deferred income492/3€712€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€351€0▼
Gross operating margin9900€31k€27k▼
Operating profit (loss)9901€27k€19k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€24k€16k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€18k€13k▼
Profit (loss) for the period to be appropriated9905€18k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€48k▲
Profit (loss) brought forward from the previous period14P€19k€35k▲
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
The notes to these accounts (6 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €13k ▼30.5%
Net result drops to €13k, the lowest in the series.
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Pajottegem · 1 establishment unit since 2023
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.
Blijkheerstraat 141755 PajottegemGround area
1,579 m²
Building footprint
170 m²
Volume, LiDAR
864 m³
Parcel 23058A0428/00P000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ECTO
since 20232.344.175.640
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23058A0428/00P000 | Flanders | 1,579 m² | 1 · 170 m² | 6.7 m · 2 fl. |
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.
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Of 29,885 companies in sector 62200 we hold annual accounts for 18,321. 15,222 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2023
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
46500Wholesale of information and communication equipment
46510Wholesale trade
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
77330Rental and leasing activities
82990Other business support services
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.