ELITE - CARDS
ActiveSummary
ELITE - CARDS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €6k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 58% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+76
Solvency69▲+3
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 2.08 in 2024; short-term debt: 21.6% and cash: 9.7% of total assets), and 56.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
43.6%
Return on assets
5.6%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 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
on the day
2023
16 d late
2022
2 d early
2021
1 d early
2020
on the day
2019
56 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▲ 14.8%
2024 · €42k
2019: €47k
2020: €41k
2021: €65k
2022: €65k
2023: €57k
2024: €42k
2019 → 2025
Total assets
€110k▲ 7.8%
2024 · €102k
2019: €72k
2020: €59k
2021: €82k
2022: €75k
2023: €64k
2024: €102k
2019 → 2025
Net result
€6k
2024 · €-15k
2019: €10k
2020: €-6k
2021: €23k
2022: €66
2023: €4k
2024: €-15k
2019 → 2025
Working capital
€6k▼ 66.8%
2024 · €19k
2019: €32k
2020: €32k
2021: €53k
2022: €44k
2023: €40k
2024: €19k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€65k▲ 0.1%€57k▼ 11.7%€42k▼ 27.1%€48k▲ 14.8%
Operating result€32k-€4k▼ 88.5%€8k▲ 111%€-14k€10k
Net result€23k-€66▼ 99.7%€4k▲ 6,517%€-15k€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €14k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110k
Fixed assets
€80k ▲ 22.2%
Current assets
€30k ▼ 17.9%
Equity and liabilities €110k
Equity
€48k ▲ 14.8%
Debt
€62k ▲ 3.0%
Debt's share of the balance-sheet total falls from 59.1% to 56.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€28k▲
2024 · €-1k
Cash flow
€24k▲
2024 · €-3k
Current ratio
1.27▼
2024 · 2.08
Debt to equity
1.29▼
2024 · 1.44
ROE
12.9%▲
2024 · -37.2%
ROA
5.6%▲
2024 · -15.2%
Interest coverage
10.98▲
2024 · -0.72
Debt ≤ 1 year
€24k▲
2024 · €18k
Debt > 1 year
€38k▼
2024 · €43k
Income taxes
€1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€102k€110k▲
Fixed assets21/28€65k€80k▲
Tangible fixed assets22/27€65k€80k▲
Land and buildings22€39k€33k▼
Plant, machinery and equipment23€8k€13k▲
Furniture and vehicles24€18k€33k▲
Current assets29/58€36k€30k▼
Amounts receivable within one year40/41€17k€18k▲
Trade receivables40€14k€17k▲
Other amounts receivable41€3k€1k▼
Cash at bank and in hand54/58€19k€11k▼
Deferred charges and accrued income490/1€971€913▼
Equity and liabilities
Total equity and liabilities10/49€102k€110k▲
Equity10/15€42k€48k▲
Contributions10/11€13k€13k=
Reserves13€44k€44k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€42k€42k=
Profit (loss) carried forward14€-15k€-9k▲
Amounts payable17/49€60k€62k▲
Amounts payable after more than one year17€43k€38k▼
Financial debts170/4€43k€38k▼
Amounts payable within one year42/48€18k€24k▲
Current portion of amounts payable after more than one year42-€8k
Trade debts44€4k€14k▲
Suppliers440/4€4k€14k▲
Taxes, remuneration and social security45€87€2k▲
Taxes450/3€87€2k▲
Other amounts payable47/48€14k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€18k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€835€30k▲
Operating profit (loss)9901€-14k€10k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-15k€7k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-15k€6k▲
Profit (loss) for the period to be appropriated9905€-15k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-9k▲
Profit (loss) brought forward from the previous period14P-€-15k
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
31-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-09
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-15k ▼454%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
05-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
01-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Herselt · 2 establishment units since 2001
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.
Kapittelbergstraat 342230 HerseltGround area
3,346 m²
Building footprint
234 m²
Volume, LiDAR
1,254 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
ELITE-CARDS/ELITE-DOGS
since 20012.100.188.174
Elite-Light wood creations
since 20202.304.926.371
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13013F0597/00G000 | Flanders | 2,995 m² | 1 · 100 m² | 6.7 m · 2 fl. |
| 24423G0042/00T000 | Flanders | 350 m² | 1 · 134 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2023 to 2025 · 4 entries · 6,807 EUR awarded · 4,583 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 0 EUR | 4,448 EUR |
| 2024 | 1 | 6,672 EUR | 0 EUR |
| 2023 | 1 | 135 EUR | 135 EUR |
Schemes
Ecologiepremie+
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
TELELIVRE
BE 0423.250.095
La Hulpe · Eq €47,495
Tribaan
BE 0764.365.938
Damme · Eq €47,473
ARTE LIBRO
BE 0459.887.391
Wichelen · Eq €47,417
DN News
BE 0799.714.124
Jurbise · Eq €48,137
ML LIBRAIRIE
BE 0783.236.297
Châtelet · Eq €47,337
Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 1,097 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2001
Fiscal year end30-09
Trade name NL
ELITE – DOGS” en “’T KRUIDENHEKSKE
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
46492Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:eddyravoet@telenet.be
Phone:0479954826