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ELISO

Active
Private limited companyfounded 200818 yrs activeVan Frachenlaan 10, 1820 Steenokkerzeel, BelgiumKBO/BCE: BE 0899.709.444
Summary

ELISO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€9,099) and a net result of -€39,885. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 19362 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

Checked score

Score 2024
Axes · tick = 2023
Profitability0=
Solvency21▼-19
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.91 against 1.17 in 2023; short-term debt: 104.3% and cash: 87.2% of total assets), and equity is negative.
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Signals

Five 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · 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
-4.3%
Return on assets
-18.7%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 18 years 0 20 y
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
18192021222324
2018 to 2024 · latest year -€9,099
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-06-2025, 33 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
33 d early
2023
37 d early
2022
11 d early
2021
18 d early
2020
17 d early
2019
7 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 21 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)
neutral · 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

History

On 8 August 2008, ELISO was incorporated.1 Total assets went from EUR 231,176 in 2018 to EUR 213,613 in 2024 and headcount from 1 full-time equivalents in 2019 to 1.1 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018, 2019 and 2024

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Financials · fiscal year 2024, micro schema

Equity
-€9,099
2023 · €30,786
Total assets
€213,613▲ 5.9%
2023 · €201,644
Net result
-€39,885▲ 44.0%
2023 · -€71,160
Working capital
-€19,055
2023 · €28,429
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result€23,025▼ 45.3%€8,989▼ 61.0%€43,963▲ 389%-€69,971-€39,612▲ 43.4%
Net result€15,231▼ 42.4%€14,743▼ 3.2%€27,020▲ 83.3%-€71,160-€39,885▲ 44.0%
Equity€60,183▲ 33.9%€74,926▲ 24.5%€101,946▲ 36.1%€30,786▼ 69.8%-€9,099
Total assets€112,946▼ 18.6%€155,727▲ 37.9%€148,707▼ 4.5%€201,644▲ 35.6%€213,613▲ 5.9%
Debt€52,763▼ 43.7%€80,801▲ 53.1%€46,761▼ 42.1%€170,858▲ 265%€222,712▲ 30.3%
Working capital€55,456▲ 30.5%€70,391▲ 26.9%€96,939▲ 37.7%€28,429▼ 70.7%-€19,055
Staff (FTE)1.1▲ 10.0%1.11.1=1.1=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€100,000-€50,000€0€50,000Operating result 2020: €23,025€23,025Net result 2020: €15,231€15,231Operating result 2021: €8,989€8,989Net result 2021: €14,743€14,743Operating result 2022: €43,963€43,963Net result 2022: €27,020€27,020Operating result 2023: -€69,971-€69,971Net result 2023: -€71,160-€71,160Operating result 2024: -€39,612-€39,612Net result 2024: -€39,885-€39,88520202021202220232024-€100,000-€50,000€0€50,000Operating result 2022: €43,963€44,000Net result 2022: €27,020€27,000Operating result 2023: -€69,971-€70,000Net result 2023: -€71,160-€71,200Operating result 2024: -€39,612-€39,600Net result 2024: -€39,885-€39,900202220232024
The operating result stays negative: a loss of €39,612 in 2024 against €69,971 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €213,613
Fixed assets €9,955 ▲ 26.5%
Current assets €203,658 ▲ 5.1%
Key figures and ratios
2024 value · change against 2023
EBITDA
-€35,547▲
2023 · -€65,208
Cash flow
-€35,820▲
2023 · -€66,397
Solvency
-4.3%▼
2023 · 15.3%
Current ratio
0.91▼
2023 · 1.17
Debt to equity
-24.48▼
2023 · 5.55
ROA
-18.7%▲
2023 · -35.3%
Interest coverage
-124.76▼
2023 · -87.98
Debt ≤ 1 year
€222,712▲
2023 · €165,346
Income taxes
€620▲
2023 · €489
Staff costs
€26,438▲
2023 · €23,929
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,943 companies that looked in July 2024 the way this one looks now, 5.5% went bankrupt within 24 months and 85% are still going.

  • Micro
  • 10 to 20 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
5.5% went bankrupt
8.1% stopped otherwise
85% still going

A further 1.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,943 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines
Balance sheet Code20232024
Assets
Total assets20/58€201,644€213,613▲
Fixed assets21/28€7,869€9,955▲
Tangible fixed assets22/27€6,369€8,455▲
Land and buildings22€1,022€580▼
Plant, machinery and equipment23€2,126€1,526▼
Furniture and vehicles24€3,220€6,349▲
Financial fixed assets28€1,500€1,500=
Current assets29/58€193,775€203,658▲
Amounts receivable within one year40/41€42,394€14,283▼
Trade receivables40€23,196€4,952▼
Other amounts receivable41€19,199€9,332▼
Cash at bank and in hand54/58€151,381€186,238▲
Deferred charges and accrued income490/1-€3,136
Equity and liabilities
Total equity and liabilities10/49€201,644€213,613▲
Equity10/15€30,786-€9,099▼
Contributions10/11€13,400€13,400=
Outside capital11€13,400€13,400=
Share premium1100/10€13,400€13,400=
Reserves13€88,546€88,546=
Distributable reserves133€88,546€88,546=
Profit (loss) carried forward14-€71,160-€111,045▼
Amounts payable17/49€170,858€222,712▲
Amounts payable within one year42/48€165,346€222,712▲
Trade debts44€782€15,703▲
Suppliers440/4€782€15,703▲
Taxes, remuneration and social security45€4,521€1,849▼
Taxes450/3€2,702-
Remuneration and social security454/9€1,819€1,849▲
Other amounts payable47/48€160,043€205,160▲
Accrued charges and deferred income492/3€5,512-
Income statement Code20232024
Remuneration, social security and pensions62€23,929€26,438▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,763€4,065▼
Other operating charges640/8€1,853€2,201▲
Gross operating margin9900-€39,426-€6,908▲
Operating profit (loss)9901-€69,971-€39,612▲
Financial income75/76B€164€865▲
Recurring financial income75€161€194▲
Non-recurring financial income76B€3€671▲
Financial charges65/66B€864€518▼
Recurring financial charges65€741€285▼
Non-recurring financial charges66B€123€233▲
Profit (loss) for the period before taxes9903-€70,671-€39,265▲
Income taxes67/77€489€620▲
Profit (loss) for the period9904-€71,160-€39,885▲
Profit (loss) for the period to be appropriated9905-€71,160-€39,885▲
Appropriation of the result
Profit (loss) to be appropriated9906-€71,160-€111,045▼
Profit (loss) brought forward from the previous period14P--€71,160

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Remuneration, social security and pensions62-€19,593€23,071€23,929€26,438▲ 10.5%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,070€3,728€4,019€4,763€4,065▼ 14.7%
Other operating charges640/8-€4,113€3,003€1,853€2,201▲ 18.8%
Gross operating margin9900€45,088€36,423€74,057-€39,426-€6,908▲ 82.5%
Operating profit (loss)9901€23,025€8,989€43,963-€69,971-€39,612▲ 43.4%
Financial income75/76B-€15,874€17€164€865▲ 426%
Recurring financial income75€41€15,005€17€161€194▲ 20.3%
Non-recurring financial income76B-€869€17€3€671▲ 19,524%
Financial charges65/66B-€300€450€864€518▼ 40.1%
Recurring financial charges65€302€289€449€741€285▼ 61.6%
Non-recurring financial charges66B-€11€0€123€233▲ 89.4%
Profit (loss) for the period before taxes9903€22,744€24,563€43,530-€70,671-€39,265▲ 44.4%
Income taxes67/77€7,513€9,820€16,510€489€620▲ 26.7%
Profit (loss) for the period9904€15,231€14,743€27,020-€71,160-€39,885▲ 44.0%
Profit (loss) for the period to be appropriated9905€15,231€14,743€27,020-€71,160-€39,885▲ 44.0%
Line20202021202220232024Change
Assets
Total assets20/58€112,946€155,727€148,707€201,644€213,613▲ 5.9%
Fixed assets21/28€6,450€8,918€10,279€7,869€9,955▲ 26.5%
Tangible fixed assets22/27€4,950€7,418€8,779€6,369€8,455▲ 32.8%
Land and buildings22-€1,907€1,464€1,022€580▼ 43.3%
Plant, machinery and equipment23-€690€410€2,126€1,526▼ 28.2%
Furniture and vehicles24-€4,821€6,905€3,220€6,349▲ 97.2%
Financial fixed assets28€1,500€1,500€1,500€1,500€1,500=
Current assets29/58€106,495€146,809€138,428€193,775€203,658▲ 5.1%
Amounts receivable within one year40/41€11,463€10,979€21,068€42,394€14,283▼ 66.3%
Trade receivables40-€3,785€879€23,196€4,952▼ 78.7%
Other amounts receivable41-€7,194€20,189€19,199€9,332▼ 51.4%
Cash at bank and in hand54/58€95,033€135,829€117,360€151,381€186,238▲ 23.0%
Deferred charges and accrued income490/1----€3,136-
Equity and liabilities
Total equity and liabilities10/49€112,946€155,727€148,707€201,644€213,613▲ 5.9%
Equity10/15€60,183€74,926€101,946€30,786-€9,099▼ 130%
Contributions10/11€13,400€13,400€13,400€13,400€13,400=
Outside capital11-€13,400€13,400€13,400€13,400=
Share premium1100/10---€13,400€13,400=
Other1109/19-€13,400€13,400---
Reserves13€46,783€61,526€88,546€88,546€88,546=
Non-distributable reserves130/1-€1,855€1,855---
Reserves not available under the articles1311-€1,855€1,855---
Distributable reserves133-€59,671€86,691€88,546€88,546=
Profit (loss) carried forward14----€71,160-€111,045▼ 56.0%
Amounts payable17/49€52,763€80,801€46,761€170,858€222,712▲ 30.3%
Amounts payable within one year42/48€51,039€76,417€41,489€165,346€222,712▲ 34.7%
Financial debts43-€11,119€9,266---
Credit institutions430/8-€11,119€9,266---
Trade debts44€2,388€750€141€782€15,703▲ 1,909%
Suppliers440/4-€750€141€782€15,703▲ 1,909%
Taxes, remuneration and social security45-€5,549€5,774€4,521€1,849▼ 59.1%
Taxes450/3-€4,089€4,176€2,702--
Remuneration and social security454/9-€1,460€1,598€1,819€1,849▲ 1.6%
Other amounts payable47/48-€59,000€26,309€160,043€205,160▲ 28.2%
Accrued charges and deferred income492/3-€4,384€5,272€5,512--
Line20202021202220232024Change
Profit (loss) for the period9904€15,231€14,743€27,020-€71,160-€39,885▲ 44.0%
+ Depreciation and write-downs630€3,070€3,728€4,019€4,763€4,065▼ 14.7%
Operating cash flow (approximation)€18,301€18,471€31,039-€66,397-€35,820▲ 46.1%
Investment in fixed assets (approximation)--€6,196-€5,380-€2,353-€6,152▼ 161%
Change in cash-€40,797-€18,469€34,021€34,857▲ 2.5%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
28-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Weakest financial yearnet -€71,160
Net result drops to -€71,160, the lowest in the series; recovery starts the following year.
20-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Highest result since 2018net €27,020 ▲83.3%
Operating result €43,963, net result €27,020, both a record.
31-12
Financial Equity above €100,000Eq €101,946 ▲36.1%
5 profitable years in a row build equity to €101,946.
13-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
14-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
24-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
13-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
24-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
2016
23-08
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
3 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, Steenokkerzeel · 1 establishment unit since 2008
seat establishment The establishment unit on the map
Ground area
213 m²
Building footprint
8 m²
Volume, LiDAR
15 m³
Parcel 23081E0352/02C002, Flanders · tallest building 5.1 m. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Eliso
Van Frachenlaan 10, 1820 SteenokkerzeelFinancial service activities, except insurance and pension funding
since 20082.174.960.130
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23081E0352/02C002 Flanders 213 m² 1 · 8 m² 5.1 m
Linked by address, not proof of ownership
Good to know
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

Of 11,756 companies in sector 68310 we hold annual accounts for 6,907. 4,415 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded08-08-2008
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
68322Real estate appraisal on a fee or contract basis
E-invoicing
Reachable via Peppol
Peppol ID 0208:0899709444
Also 9925:BE0899709444
Registered 10-01-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.