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ELLO

Active
Dennenlaan(HSD) 21 ·9120 Beveren-Kruibeke-Zwijndrecht, Belgium
BE 0784.580.540
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age4 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of ELLO is 0.5% (low). The 2024 annual accounts show equity of €89k and a net result of €-16k. Equity is growing by ~19.8% per year across the filed fiscal years. Its solvency ranks better than 13% of 12399 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.5% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Trust signals

3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events
No administrative flags

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-16k
Working capital€-173k-253.4%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 26-06-2025 with the NBB · fiscal year 2024 · micro
€-25k€0€25k€50k€75kOperating result 2022: €71k€71kNet result 2022: €49k€49kOperating result 2023: €83k€83kNet result 2023: €51k€51kOperating result 2024: €-2k€-2kNet result 2024: €-16k€-16k202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~19.8%/year over 3 fiscal years, indicative, assuming unchanged policy.
€50k€75k€100k€125k€150k2025: €106k (€99k - €113k)2026: €124k (€117k - €131k)2027: €141k (€134k - €148k)2022: €54k2023: €105k2024: €89k202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 8.9% 60.6%
better than 13% of 12399 sector peers
Net result €-16k €31k
better than 6% of 12401 sector peers
Equity €89k €63k
better than 62% of 12407 sector peers
Gross operating margin €88k €52k
better than 71% of 12387 sector peers
Total assets €997k €124k
better than 95% of 12400 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€85k
-12.6% -35% vs sector
Net profit
€-16k
- far below sector median
Cash flow
€71k
+9.3% -25% vs sector
Total assets
€997k
+180.3% ≈ vs sector
Equity
€89k
-15.1% -88% vs sector
Working capital
€-173k
-253.4% far below sector median
Income taxes
€-424
- far below sector median
Debt
€909k
+261.6% +156% vs sector
Debt ≤ 1y
€304k
+20.8% +113% vs sector
Debt > 1y
€605k
- -92% vs sector
Current ratio
0.43
-46.6% -92% vs sector
Quick ratio
0.42
-48.2% -92% vs sector
Solvency
8.9%
-69.7% -85% vs sector
Debt / equity
10.24
+325.9% far above sector median
ROE
-17.8%
- far below sector median
ROA
-1.6%
- far below sector median
Interest coverage
6.04
-97.8% -91% vs sector
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€85k
Net profit€-16k
Cash flow€71k
Staff costs-
Income taxes€-424
Dividends-
Total assets€997k
Equity€89k
Debt€909k
of which ≤ 1y€304k
of which > 1y€605k
Working capital€-173k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.43
Quick ratio0.42
Working capital ratio-17.3%
Solvency8.9%
Debt / equity10.24
Long-term debt ratio6.82
Interest coverage6.04
Gross margin-
Net margin-
ROA-1.6%
ROE-17.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€997k
Fixed assets 21/28€867k
Tangible fixed assets 22/27€867k
Current assets 29/58€131k
Stocks & contracts in progress 3€4k
Amounts receivable within one year 40/41€46k
Investments 50/53€2k
Cash & bank 54/58€75k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€997k
Equity 10/15€89k
Contributions / capital 10/11€5k
Reserves 13€100k
Accumulated profits (losses) 14€-16k
Amounts payable 17/49€909k
Amounts payable after one year 17€605k
Amounts payable within one year 42/48€304k
Trade debts payable within one year 44€33k
Income statement
Gross operating margin 9900€88k
Operating result 9901€-2k
Financial income 75€0
Financial charges 65€14k
Result before taxes 9903€-16k
Income taxes 67/77€-424
Net result for the period 9904€-16k
Result to be appropriated 9905€-16k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
20 / 100 Critical
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
seat.Municipality exact location from the address register

Establishment units

1 location
ELLO
Dennenlaan(HSD) 21, 9120 Beveren-Kruibeke-ZwijndrechtDetailhandel in antiquiteiten
since 20222.330.534.371
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,736 m²
Buildings1
Building footprint185 m²
Volume (LiDAR)636 m³
Tallest building8.5 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46009A0215/00C000 Flanders 1,736 m² 1 · 184 m² 8.5 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Analysis

Snowflake analysis

financial profile on 5 axes
Health20Profitability0Solvency6Growth52Stability94
34 / 100

Fragile profile, watch profitability in particular.

Health 20
Profitability 0
Solvency 6
Growth 52
Stability 94

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameNL ELLO
Registered office
Dennenlaan(HSD) 21
9120 Beveren-Kruibeke-Zwijndrecht, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.