ELB DIENST

Active

Private limited companyfounded 20232 yrs activeAlbert Giraudlaan 10, 1030 Schaarbeek, BelgiumKBO/BCE: BE 1001.114.036

The computed 12-month bankruptcy probability of ELB DIENST is 6.9% (elevated). The 2025 annual accounts show equity of €34k and a net result of €4k. Its solvency ranks better than 55% of 1832 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

50 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability76▼-24

Solvency70▼-6

Growth52

Track record82

Bankruptcy probability, 12 months

6.9% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days only on tighter terms

Liquidity short (current ratio 0.8 against 1.22 in 2024; short-term debt: 55.3% and cash: 9.6% of total assets), and 55.3% 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

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

−lowers risk+raises risk○neutral

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

44.7%

Return on assets

5.5%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

24 d late

2024

36 d late

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 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 2025, abbreviated schema

Equity

€34k▲ 14.2%

2024 · €29k

2024: €29k

2024 → 2025

Total assets

€75k▲ 31.4%

2024 · €57k

2024: €57k

2024 → 2025

Net result

€4k▼ 74.6%

2024 · €16k

2024: €16k

2024 → 2025

Working capital

€-8k

2024 · €6k

2024: €6k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€29k-€34k▲ 14.2%

Operating result€22k-€6k▼ 73.9%

Net result€16k-€4k▼ 74.6%

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

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 74% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €75k

55.7%

44.3%

Fixed assets €42k▲ 80.3%

Current assets €33k▼ 2.1%

Equity and liabilities €75k

44.7%

55.3%

Equity €34k▲ 14.2%

Debt €42k▲ 49.6%

The debt ratio rises from 48.6% to 55.3%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€19k▼

2024 · €35k

Cash flow

€18k▼

2024 · €29k

Solvency

44.7%▼

2024 · 51.4%

Current ratio

0.80▼

2024 · 1.22

Quick ratio

0.80▼

2024 · 1.22

Debt / equity

1.24▲

2024 · 0.95

ROE

12.4%▼

2024 · 55.7%

ROA

5.5%▼

2024 · 28.6%

Interest coverage

124.41▼

2024 · 2677.40

Debt

€42k▲

2024 · €28k

Debt ≤ 1 year

€42k▲

2024 · €28k

Income taxes

€1k▼

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€57k€75k▲

Fixed assets21/28€23k€42k▲

Tangible fixed assets22/27€23k€42k▲

Furniture and vehicles24€23k€42k▲

Current assets29/58€34k€33k▼

Amounts receivable within one year40/41€14k€26k▲

Other amounts receivable41€14k€26k▲

Cash at bank and in hand54/58€18k€7k▼

Deferred charges and accrued income490/1€2k-

Equity and liabilities

Total equity and liabilities10/49€57k€75k▲

Equity10/15€29k€34k▲

Contributions10/11€13k€13k=

Capital10€13k€13k=

Issued capital100€13k€13k=

Reserves13€818€1k▲

Non-distributable reserves130/1€818€1k▲

Legal reserve130€818€1k▲

Profit (loss) carried forward14€16k€19k▲

Amounts payable17/49€28k€42k▲

Amounts payable within one year42/48€28k€42k▲

Trade debts44€22k€30k▲

Suppliers440/4€22k€30k▲

Taxes, remuneration and social security45€6k€12k▲

Taxes450/3€6k€12k▲

Income statement Code20242025

Goods, raw materials, services and sundry goods60/61€107k€225k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲

Other operating charges640/8€8k€6k▼

Gross operating margin9900€42k€25k▼

Operating profit (loss)9901€22k€6k▼

Financial charges65/66B€13€153▲

Recurring financial charges65€13€153▲

Profit (loss) for the period before taxes9903€22k€6k▼

Income taxes67/77€5k€1k▼

Profit (loss) for the period9904€16k€4k▼

Profit (loss) for the period to be appropriated9905€16k€4k▼

Appropriation of the result

Profit (loss) to be appropriated9906€16k€20k▲

Profit (loss) brought forward from the previous period14P-€16k

Transfer to equity691/2€818€482▼

To the legal reserve6920-€482

To other reserves6921€818-

The notes to these accounts (4 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 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

24-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 24 days late

2025

05-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 36 days late

NBB filing

Directors · office · real estate

Directors

no sitting director, no change since 2025

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

17-12-2025 EL OUADGHIRI LAFCHOUCH Adnan: Resigned as Director

17-11-2025 KRAIEM Mohamad Qassed: Resigned as Director

12-08-2024 MORAD M'RABET: Resigned as Director

Location & real-estate footprint

Registered office, Schaarbeek · 2 establishment units since 2023

establishment All 2 establishment units 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.

Albert Giraudlaan 101030 Schaarbeek

Ground area

445 m²

Building footprint

345 m²

Volume, LiDAR

3,684 m³

3 parcels, Brussels, Flanders, Wallonia · tallest building 20.2 m, ±6 floors. Linked by address, not a title deed.

2 establishment units

ELB DIENST

Harmoniestraat 3, 1800 VilvoordeScheduled passenger transport by road

since 20232.350.904.272

Chaussée Bara 213, 1410 Waterloo

Scheduled passenger transport by road

since 20262.391.155.314

3 parcels

Flanders 1 (33.3%) Wallonia 1 (33.3%) Brussels 1 (33.3%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21015A0485/00W004	Brussels	180 m²	1 · 154 m²	20.2 m · 6 fl.
23643F0133/00R005	Flanders	158 m²	1 · 64 m²	6.4 m · 2 fl.
25110C0340/00_000	Wallonia	108 m²	1 · 126 m²	8.5 m · 2 fl.