ELJOCO
ActiveSummary
ELJOCO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €26k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 14% of 16618 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+3
Solvency35▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.57 against 0.52 in 2024; short-term debt: 29.2% and cash: 13.2% of total assets), and 90.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← 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
9.6%
Return on assets
10%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 16618 sector peers (2025).
NBB · sector comparisonPosition among 16618 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-03-2026, 123 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
123 d early
2024
28 d late
2023
4 d early
2022
5 d early
2021
31 d late
2020
1 d early
2019
1 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k=
2024 · €25k
2018: €17k
2019: €13k▼ -22.8% vs 2018lowest in 8 years
2020: €25k▲ +89.3% vs 2019highest in 8 years
2021: €25k● 0.0% vs 2020highest in 8 years
2022: €25k● 0.0% vs 2021highest in 8 years
2023: €25k● 0.0% vs 2022highest in 8 years
2024: €25k● 0.0% vs 2023highest in 8 years
2025: €25k● 0.0% vs 2024highest in 8 years
2018 → 2025
Total assets
€261k▼ 9.8%
2024 · €289k
2018: €412khighest in 8 years
2019: €358k▼ -12.9% vs 2018
2020: €383k▲ +7.0% vs 2019
2021: €382k▼ -0.5% vs 2020
2022: €345k▼ -9.5% vs 2021
2023: €286k▼ -17.0% vs 2022
2024: €289k▲ +0.9% vs 2023
2025: €261k▼ -9.8% vs 2024lowest in 8 years
2018 → 2025
Net result
€26k▲ 26.5%
2024 · €21k
2018: €10k
2019: €-4k▼ -138% vs 2018lowest in 8 years
2020: €30k▲ +865% vs 2019
2021: €32k▲ +6.3% vs 2020
2022: €22k▼ -29.7% vs 2021
2023: €43k▲ +95.1% vs 2022highest in 8 years
2024: €21k▼ -52.4% vs 2023
2025: €26k▲ +26.5% vs 2024
2018 → 2025
Working capital
€-33k▲ 27.2%
2024 · €-45k
2018: €-67klowest in 8 years
2019: €-56k▲ +16.0% vs 2018
2020: €-21k▲ +63.3% vs 2019
2021: €-8k▲ +61.8% vs 2020
2022: €-4k▲ +45.5% vs 2021highest in 8 years
2023: €-33k▼ -660% vs 2022
2024: €-45k▼ -38.5% vs 2023
2025: €-33k▲ +27.2% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€25k=€25k=€25k=€25k=
2021: €25khighest in 5 years
2022: €25k● 0.0% vs 2021highest in 5 years
2023: €25k● 0.0% vs 2022highest in 5 years
2024: €25k● 0.0% vs 2023highest in 5 years
2025: €25k● 0.0% vs 2024highest in 5 years
Operating result€46k-€35k▼ 25.2%€63k▲ 81.6%€32k▼ 48.8%€39k▲ 22.5%
2021: €46k
2022: €35k▼ -25.2% vs 2021
2023: €63k▲ +81.6% vs 2022highest in 5 years
2024: €32k▼ -48.8% vs 2023lowest in 5 years
2025: €39k▲ +22.5% vs 2024
Net result€32k-€22k▼ 29.7%€43k▲ 95.1%€21k▼ 52.4%€26k▲ 26.5%
2021: €32k
2022: €22k▼ -29.7% vs 2021
2023: €43k▲ +95.1% vs 2022highest in 5 years
2024: €21k▼ -52.4% vs 2023lowest in 5 years
2025: €26k▲ +26.5% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 23% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €261k
Fixed assets
€217k ▼ 9.5%
Current assets
€43k ▼ 11.3%
Equity and liabilities €261k
Equity
€25k =
Debt
€236k ▼ 10.8%
Debt's share of the balance-sheet total falls from 91.3% to 90.4%. Debt is lower.
Key figures and ratios
EBITDA
€70k▲
2024 · €64k
Cash flow
€57k▲
2024 · €52k
Current ratio
0.57▲
2024 · 0.52
Debt to equity
9.42▼
2024 · 10.56
ROE
104.4%▲
2024 · 82.6%
ROA
10.0%▲
2024 · 7.1%
Interest coverage
21.79▲
2024 · 18.03
Debt ≤ 1 year
€76k▼
2024 · €94k
Debt > 1 year
€158k▼
2024 · €170k
Income taxes
€10k▲
2024 · €8k
Staff costs
€3k▼
2024 · €4k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€289k€261k▼
Fixed assets21/28€240k€217k▼
Intangible fixed assets21€1k€731▼
Tangible fixed assets22/27€239k€217k▼
Land and buildings22€231k€206k▼
Plant, machinery and equipment23€5k€9k▲
Furniture and vehicles24€3k€1k▼
Current assets29/58€49k€43k▼
Amounts receivable within one year40/41€6k€7k▲
Trade receivables40€6k€7k▲
Other amounts receivable41€708-
Cash at bank and in hand54/58€37k€34k▼
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€289k€261k▼
Equity10/15€25k€25k=
Contributions10/11€25k€25k=
Amounts payable17/49€264k€236k▼
Amounts payable after more than one year17€170k€158k▼
Financial debts170/4€170k€158k▼
Amounts payable within one year42/48€94k€76k▼
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€75k€57k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€4k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€31k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€69k€75k▲
Operating profit (loss)9901€32k€39k▲
Financial income75/76B€340€249▼
Recurring financial income75€340€249▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€29k€36k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€21k€26k▲
Profit (loss) for the period to be appropriated9905€21k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€26k▲
Profit to be distributed694/7€21k€26k▲
Return on contributions (dividend)694€21k€26k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €428 | €6k | €3k | €4k | €3k | ▼ 31.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €40k | €38k | €29k | €31k | €31k | ▼ 1.0% |
| Other operating charges640/8 | €2k | €2k | €2k | €2k | €2k | ▼ 25.2% |
| Gross operating margin9900 | €89k | €80k | €97k | €69k | €75k | ▲ 7.5% |
| Operating profit (loss)9901 | €46k | €35k | €63k | €32k | €39k | ▲ 22.5% |
| Financial income75/76B | €1 | €78 | €187 | €340 | €249 | ▼ 26.6% |
| Recurring financial income75 | €1 | €78 | €187 | €340 | €249 | ▼ 26.6% |
| Financial charges65/66B | €4k | €4k | €4k | €4k | €3k | ▼ 8.2% |
| Recurring financial charges65 | €4k | €4k | €4k | €4k | €3k | ▼ 8.2% |
| Profit (loss) for the period before taxes9903 | €42k | €31k | €59k | €29k | €36k | ▲ 25.7% |
| Income taxes67/77 | €11k | €8k | €16k | €8k | €10k | ▲ 23.7% |
| Profit (loss) for the period9904 | €32k | €22k | €43k | €21k | €26k | ▲ 26.5% |
| Profit (loss) for the period to be appropriated9905 | €32k | €22k | €43k | €21k | €26k | ▲ 26.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €382k | €345k | €286k | €289k | €261k | ▼ 9.8% |
| Fixed assets21/28 | €285k | €264k | €240k | €240k | €217k | ▼ 9.5% |
| Intangible fixed assets21 | - | - | €1k | €1k | €731 | ▼ 31.8% |
| Tangible fixed assets22/27 | €285k | €264k | €238k | €239k | €217k | ▼ 9.4% |
| Land and buildings22 | €270k | €252k | €231k | €231k | €206k | ▼ 10.7% |
| Plant, machinery and equipment23 | €2k | €4k | €3k | €5k | €9k | ▲ 66.2% |
| Furniture and vehicles24 | €13k | €7k | €4k | €3k | €1k | ▼ 55.5% |
| Current assets29/58 | €96k | €82k | €46k | €49k | €43k | ▼ 11.3% |
| Amounts receivable within one year40/41 | €11k | €27k | €7k | €6k | €7k | ▲ 13.9% |
| Trade receivables40 | €7k | €21k | €7k | €6k | €7k | ▲ 28.5% |
| Other amounts receivable41 | €4k | €6k | €3 | €708 | - | - |
| Cash at bank and in hand54/58 | €83k | €53k | €37k | €37k | €34k | ▼ 7.6% |
| Deferred charges and accrued income490/1 | €2k | €1k | €2k | €5k | €2k | ▼ 68.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €382k | €345k | €286k | €289k | €261k | ▼ 9.8% |
| Equity10/15 | €25k | €25k | €25k | €25k | €25k | = |
| Contributions10/11 | €25k | €25k | €25k | €25k | €25k | = |
| Amounts payable17/49 | €357k | €320k | €261k | €264k | €236k | ▼ 10.8% |
| Amounts payable after more than one year17 | €253k | €234k | €182k | €170k | €158k | ▼ 7.3% |
| Financial debts170/4 | €253k | €234k | €182k | €170k | €158k | ▼ 7.3% |
| Amounts payable within one year42/48 | €104k | €86k | €79k | €94k | €76k | ▼ 18.9% |
| Current portion of amounts payable after more than one year42 | €12k | €12k | €12k | €12k | €12k | ▲ 1.8% |
| Trade debts44 | €14k | €19k | €4k | €1k | €3k | ▲ 98.6% |
| Suppliers440/4 | €14k | €19k | €4k | €1k | €3k | ▲ 98.6% |
| Taxes, remuneration and social security45 | €8k | €4k | €11k | €5k | €4k | ▼ 23.1% |
| Taxes450/3 | €8k | €4k | €11k | €5k | €4k | ▼ 23.1% |
| Other amounts payable47/48 | €71k | €51k | €52k | €75k | €57k | ▼ 24.4% |
| Accrued charges and deferred income492/3 | - | - | - | - | €2k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €32k | €22k | €43k | €21k | €26k | ▲ 26.5% |
| + Depreciation and write-downs630 | €40k | €38k | €29k | €31k | €31k | ▼ 1.0% |
| Operating cash flow (approximation) | €72k | €60k | €73k | €52k | €57k | ▲ 9.9% |
| Investment in fixed assets (approximation) | - | €-16k | €-6k | €-32k | €-8k | ▲ 74.2% |
| Change in cash | - | €-31k | €-15k | €53 | €-3k | ▼ 5,508% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
27-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €43k ▲95.1%
Operating result €63k, net result €43k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Zandhoven · 1 establishment unit since 2016
Ground area
1,750 m²
Building footprint
319 m²
Volume, LiDAR
1,893 m³
2 parcels, Flanders · tallest building 13.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ELJOCO
since 20162.258.262.740
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11033B0424/00P004 | Flanders | 1,424 m² | 1 · 233 m² | 13.2 m · 2 fl. |
| 11054C0197/00M000 | Flanders | 326 m² | 1 · 86 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
2022 to 2025 · 2 entries · 652 EUR awarded · 652 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 98 EUR | 98 EUR |
| 2022 | 1 | 554 EUR | 554 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 10,450 companies in sector 86995 we hold annual accounts for 886. 616 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
Founded13-10-2016
Fiscal year end31-12
Activities, NACEBEL 2025
86995Nutrition and dietetics services
85510Sports and recreation education
86210General medical practice
93199Other sports activities
Scores and ratios are computed by Checked and are not a credit decision.