ELIOL
ActiveELIOL has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €1k. Equity is growing by ~47.1% per year across the filed fiscal years. Its solvency ranks better than 27% of 11200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
66
/ 100
Healthy▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-88
Solvency32▼-43
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 0.9 in 2024), but 87.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · 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 →
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
12.1%
Return on assets
0.3%
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
29 d late
2023
26 d late
2022
29 d late
2021
30 d late
2020
30 d late
2019
16 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▲ 2.5%
2024 · €48k
2018: €-65k
2019: €-41k
2020: €-18k
2021: €377
2022: €19k
2023: €34k
2024: €48k
2018 → 2025
Total assets
€410k▲ 426%
2024 · €78k
2018: €132k
2019: €114k
2020: €96k
2021: €115k
2022: €110k
2023: €100k
2024: €78k
2018 → 2025
Net result
€1k▼ 91.5%
2024 · €15k
2018: €8k
2019: €24k
2020: €23k
2021: €18k
2022: €19k
2023: €15k
2024: €15k
2018 → 2025
Working capital
€20k
2024 · €-2k
2018: €-32k
2019: €-25k
2020: €-15k
2021: €-7k
2022: €13k
2023: €11k
2024: €-2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€377-€19k▲ 4,955%€34k▲ 77.9%€48k▲ 42.8%€50k▲ 2.5%
Operating result€21k-€21k▲ 1.9%€22k▲ 3.2%€24k▲ 8.3%€8k▼ 64.0%
Net result€18k-€19k▲ 2.1%€15k▼ 20.5%€15k▼ 2.2%€1k▼ 91.5%
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 64% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €410k
Fixed assets
€357k▲ 476%
Current assets
€53k▲ 232%
Equity and liabilities €410k
Equity
€50k▲ 2.5%
Debt
€360k▲ 1,125%
The debt ratio rises from 37.8% to 87.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€54k▲
2024 · €37k
Cash flow
€47k▲
2024 · €28k
Solvency
12.1%▼
2024 · 62.2%
Current ratio
1.59▲
2024 · 0.90
Quick ratio
1.59▲
2024 · 0.89
Debt / equity
7.25▲
2024 · 0.61
ROE
2.5%▼
2024 · 30.0%
ROA
0.3%▼
2024 · 18.7%
Interest coverage
9.61▼
2024 · 54.80
Debt
€360k▲
2024 · €29k
Debt ≤ 1 year
€33k▲
2024 · €18k
Debt > 1 year
€327k▲
2024 · €12k
Income taxes
€2k▼
2024 · €8k
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€78k€410k▲
Fixed assets21/28€62k€357k▲
Tangible fixed assets22/27€61k€356k▲
Land and buildings22€24k€325k▲
Plant, machinery and equipment23€19k€14k▼
Furniture and vehicles24€18k€17k▼
Financial fixed assets28€915€915=
Current assets29/58€16k€53k▲
Stocks and contracts in progress3€218€218=
Stocks30/36€218€218=
Amounts receivable within one year40/41€8k€31k▲
Trade receivables40€3k€27k▲
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€2k€18k▲
Deferred charges and accrued income490/1€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€78k€410k▲
Equity10/15€48k€50k▲
Contributions10/11€30k€30k=
Reserves13€18k€19k▲
Distributable reserves133€18k€19k▲
Profit (loss) carried forward14€539€539=
Amounts payable17/49€29k€360k▲
Amounts payable after more than one year17€12k€327k▲
Financial debts170/4-€315k
Other amounts payable178/9€12k€12k=
Amounts payable within one year42/48€18k€33k▲
Current portion of amounts payable after more than one year42€4k€5k▲
Trade debts44€4k€17k▲
Suppliers440/4€4k€17k▲
Taxes, remuneration and social security45€10k€10k▼
Taxes450/3€10k€10k▼
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3-€45
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€45k▲
Other operating charges640/8€9k€7k▼
Gross operating margin9900€45k€61k▲
Operating profit (loss)9901€24k€8k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€674€6k▲
Recurring financial charges65€674€6k▲
Profit (loss) for the period before taxes9903€23k€3k▼
Income taxes67/77€8k€2k▼
Profit (loss) for the period9904€15k€1k▼
Profit (loss) for the period to be appropriated9905€15k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€2k▼
Profit (loss) brought forward from the previous period14P-€539
Transfer to equity691/2€14k€1k▼
To other reserves6921€14k€1k▼
The notes to these accounts (9 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 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €1k ▼91.5%
Net result drops to €1k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 2.18
Current ratio from 0.77 to 2.18; short-term debt falls from €29k to €11k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €24k ▲185%
Operating result €29k, net result €24k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Court-Saint-Etienne · 1 establishment unit since 1997
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 Coussin Ruelle 201490 Court-Saint-EtienneGround area
285 m²
Building footprint
240 m²
Parcel 25023H0440/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ELIOL SCRL
since 19972.072.762.118
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023H0440/00N000 | Wallonia | 285 m² | 1 · 240 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.
Similar companies · same sector, comparable size
THOMAS IMPORT DESIGN
BE 0873.066.514
Zemst · Eq €49k
Movida nuevo
BE 0878.725.374
Rebecq · Eq €51k
Debecor
BE 0427.453.858
Bekkevoort · Eq €51k
CB TUPP
BE 0800.410.148
Assesse · Eq €51k
LIVING HOMES
BE 0460.486.219
Knokke-Heist · Eq €48k
Of 673 companies in sector 46494 we hold annual accounts for 527. 288 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-1990
Fiscal year end31-12
Activities, NACEBEL
46494Wholesale of non-electrical household articles
51471
46423Wholesale of clothing, excluding workwear and underwear
46900Non-specialised wholesale trade
51421
51900
Sources
Crossroads Bank for EnterprisesNational Bank · 35 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.