ELDILOK
ActiveELDILOK has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €671k and a net result of €101k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 29% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
76
/ 100
Excellent▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+13
Solvency33▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.32 in 2024), and 80.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
19.2%
Return on assets
2.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
84 d late
2023
69 d late
2022
on the day
2021
61 d late
2020
31 d late
2019
91 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€671k▲ 17.7%
2024 · €570k
2018: €271k
2019: €286k
2020: €328k
2021: €344k
2022: €335k
2023: €499k
2024: €570k
2018 → 2025
Total assets
€3.49M▲ 0.6%
2024 · €3.47M
2018: €597k
2019: €643k
2020: €1.22M
2021: €2.59M
2022: €3.58M
2023: €3.46M
2024: €3.47M
2018 → 2025
Net result
€101k▲ 41.9%
2024 · €71k
2018: €17k
2019: €15k
2020: €42k
2021: €17k
2022: €-10k
2023: €164k
2024: €71k
2018 → 2025
Working capital
€174k▲ 23.2%
2024 · €141k
2018: €337k
2019: €395k
2020: €1.04M
2021: €118k
2022: €-40k
2023: €6k
2024: €141k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€344k-€335k▼ 2.8%€499k▲ 49.1%€570k▲ 14.3%€671k▲ 17.7%
Operating result€25k-€23k▼ 9.6%€208k▲ 808%€140k▼ 32.8%€217k▲ 54.9%
Net result€17k-€-10k€164k€71k▼ 56.7%€101k▲ 41.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 55% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.49M
Fixed assets
€2.92M▲ 1.0%
Current assets
€572k▼ 1.1%
Equity and liabilities €3.49M
Equity
€671k▲ 17.7%
Debt
€2.82M▼ 2.7%
The debt ratio falls from 83.5% to 80.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€425k▲
2024 · €328k
Cash flow
€309k▲
2024 · €259k
Solvency
19.2%▲
2024 · 16.5%
Current ratio
1.44▲
2024 · 1.32
Quick ratio
1.06▲
2024 · 0.95
Debt / equity
4.20▼
2024 · 5.08
ROE
15.0%▲
2024 · 12.5%
ROA
2.9%▲
2024 · 2.1%
Interest coverage
4.89▼
2024 · 5.25
Debt
€2.82M▼
2024 · €2.89M
Debt ≤ 1 year
€398k▼
2024 · €437k
Debt > 1 year
€2.18M▼
2024 · €2.30M
Income taxes
€48k▲
2024 · €25k
Staff costs
€295k▲
2024 · €211k
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€3.47M€3.49M▲
Fixed assets21/28€2.89M€2.92M▲
Tangible fixed assets22/27€2.89M€2.92M▲
Land and buildings22€2.38M€2.46M▲
Plant, machinery and equipment23€503k€460k▼
Furniture and vehicles24€0-
Current assets29/58€578k€572k▼
Stocks and contracts in progress3€162k€149k▼
Stocks30/36€162k€149k▼
Amounts receivable within one year40/41€81k€7k▼
Trade receivables40€71k€212▼
Other amounts receivable41€9k€7k▼
Current investments50/53€65k€100k▲
Cash at bank and in hand54/58€163k€233k▲
Deferred charges and accrued income490/1€107k€83k▼
Equity and liabilities
Total equity and liabilities10/49€3.47M€3.49M▲
Equity10/15€570k€671k▲
Contributions10/11€19k€19k=
Reserves13€272k€372k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€270k€370k▲
Profit (loss) carried forward14€280k€281k▲
Amounts payable17/49€2.89M€2.82M▼
Amounts payable after more than one year17€2.30M€2.18M▼
Financial debts170/4€2.30M€2.18M▼
Amounts payable within one year42/48€437k€398k▼
Current portion of amounts payable after more than one year42€247k€245k▼
Financial debts43€50k€30k▼
Credit institutions430/8€50k€30k▼
Trade debts44€99k€55k▼
Suppliers440/4€99k€55k▼
Taxes, remuneration and social security45€37k€64k▲
Taxes450/3€16k€36k▲
Remuneration and social security454/9€21k€29k▲
Other amounts payable47/48€5k€4k▼
Accrued charges and deferred income492/3€161k€234k▲
Income statement
Code20242025
Non-recurring operating income76A€3k€0▼
Remuneration, social security and pensions62€211k€295k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€188k€208k▲
Other operating charges640/8€17k€23k▲
Gross operating margin9900€556k€742k▲
Operating profit (loss)9901€140k€217k▲
Financial income75/76B€18k€18k▲
Recurring financial income75€18k€18k▲
Financial charges65/66B€63k€87k▲
Recurring financial charges65€63k€87k▲
Profit (loss) for the period before taxes9903€96k€149k▲
Income taxes67/77€25k€48k▲
Profit (loss) for the period9904€71k€101k▲
Profit (loss) for the period to be appropriated9905€71k€101k▲
Appropriation of the result
Profit (loss) to be appropriated9906€350k€381k▲
Profit (loss) brought forward from the previous period14P€279k€280k▲
Transfer to equity691/2€70k€100k▲
To other reserves6921€70k€100k▲
Social balance
Average headcount (FTE)90875.87.4▲
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
23-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 84 days late
2024
31-12
Financial
Equity above €500kEq €570k ▲14.3%
2 profitable years in a row build equity to €570k.
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 69 days late
2023
31-12
Financial
Back to profitnet €164k
Net result €164k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-10k ▼159%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 7.81
Current ratio from 3.23 to 7.81; short-term debt falls from €177k to €153k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Lokeren · 1 establishment unit since 2003
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.
Gentse Steenweg 1519160 LokerenGround area
51 m²
Parcel 46007D1752/00C000, Flanders. Linked by address, not a title deed.
1 establishment unit
ELDILOK
since 20032.133.534.695
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46007D1752/00C000 | Flanders | 51 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 to 2025 · 10 entries · 36,246 EUR awarded · 36,246 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,325 EUR | 1,325 EUR |
| 2024 | 2 | 577 EUR | 1,204 EUR |
| 2023 | 2 | 11,902 EUR | 13,075 EUR |
| 2022 | 4 | 22,442 EUR | 20,642 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Blue Deal Ecologiesteun Waterbesparing (stopgezet)
Ecologiepremie+
Recognitions · licences · registrations
Legal Entity Identifier
984500BE2CBM4B8CE839
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VERCAMMEN- VAN GEYTE
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Of 1,503 companies in sector 47540 we hold annual accounts for 801. 576 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2003
Fiscal year end31-12
Activities, NACEBEL
47540Retail sale of electrical household appliances
47552Retail sale of lighting equipment
47592Retail trade
52442
52450
43211General electrical installation work
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45310
47400Retail sale of information and communication equipment
47410Retail trade
47770Retail sale of watches and jewellery
50200
52484
52487
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.