Ellomar is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €175k and a net result of €72k. Equity is growing by ~59% per year across the filed fiscal years. Its solvency ranks better than 14% of 5498 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 07-04-2026, 115 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
115 d early
2024
31 d early
2023
23 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€175k▲ 69.6%
2024 · €103k
2023: €53k
2024: €103k
2023 → 2025
Net result
€72k▲ 41.5%
2024 · €51k
2023: €52k
2024: €51k
2023 → 2025
Total assets
€1.45M▲ 954%
2024 · €137k
2023: €89k
2024: €137k
2023 → 2025
Solvency
12.1%▼ 63.0pp
2024 · 75.0%
2023: 59.5%
2024: 75.0%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€53k-€103k▲ 93.6%€175k▲ 69.6%
Operating result€72k-€65k▼ 9.8%€100k▲ 55.0%
Net result€52k-€51k▼ 3.0%€72k▲ 41.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 55% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.45M
Fixed assets
€1.26M
Current assets
€189k
Equity and liabilities €1.45M
Equity
€175k▲ 69.6%
Debt
€1.27M▲ 3,614%
The debt ratio rises from 25.0% to 87.9%. Equity and debt are higher.
Key figures and ratios
Solvency
12.1%▼
2024 · 75.0%
ROE
41.0%▼
2024 · 49.2%
ROA
5.0%▼
2024 · 36.9%
Debt
€1.27M▲
2024 · €34k
Debt ≤ 1 year
€171k▲
2024 · €34k
Debt > 1 year
€1.09M
Income taxes
€18k▲
2024 · €13k
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€137k€1.45M▲
Fixed assets21/28-€1.26M
Financial fixed assets28-€1.26M
Current assets29/58€137k€189k▲
Amounts receivable within one year40/41€105k€29k▼
Trade receivables40€99k€1k▼
Other amounts receivable41€7k€28k▲
Cash at bank and in hand54/58€32k€157k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€137k€1.45M▲
Equity10/15€103k€175k▲
Contributions10/11€1k€1k=
Reserves13€102k€174k▲
Distributable reserves133€102k€174k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€34k€1.27M▲
Amounts payable after more than one year17-€1.09M
Financial debts170/4-€430k
Other amounts payable178/9-€665k
Amounts payable within one year42/48€34k€171k▲
Current portion of amounts payable after more than one year42-€65k
Trade debts44€0€1k▲
Suppliers440/4€0€1k▲
Taxes, remuneration and social security45€33k€29k▼
Taxes450/3€33k€29k▼
Other amounts payable47/48€859€76k▲
Accrued charges and deferred income492/3-€8k
Income statement
Code20242025
Other operating charges640/8€4k€110▼
Gross operating margin9900€68k€101k▲
Operating profit (loss)9901€65k€100k▲
Financial income75/76B-€520
Recurring financial income75-€520
Financial charges65/66B€611€11k▲
Recurring financial charges65€611€11k▲
Profit (loss) for the period before taxes9903€64k€90k▲
Income taxes67/77€13k€18k▲
Profit (loss) for the period9904€51k€72k▲
Profit (loss) for the period to be appropriated9905€51k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€51k€72k▲
Transfer to equity691/2€50k€72k▲
To other reserves6921€50k€72k▲
Profit to be distributed694/7€859€0▼
Return on contributions (dividend)694€859€0▼
The notes to these accounts (16 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-03
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director discharge7 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director discharge7 facts ▸
- General meeting, 01/02/2026
- Director resignation, Annick Huylebroeck (niet-statutaire bestuurder)
- Director discharge, Annick Huylebroeck
- Director appointment, Preben Pyl (niet-statutaire bestuurder)
- Mandate compensation, Preben Pyl
- Board meeting, 01/02/2026
- Director appointment, Celine VandeVyver (gedelegeerd bestuurder)
2025
31-12
Financial
Highest result since 2023net €72k ▲41.5%
Operating result €100k, net result €72k, both a record.
31-12
Financial
Equity above €150kEq €175k ▲69.6%
3 profitable years in a row build equity to €175k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €51k ▼3%
Net result drops to €51k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €103k ▲93.6%
2 profitable years in a row build equity to €103k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 directors, no change since 2026
Preben Pyl
CurrentNon-statutory director · since 01-02-2026
VANDEVYVER Celine
CurrentManaging director · since 01-02-2026
01-02-2026
Preben Pyl: Appointed as Non-statutory director
01-02-2026
VANDEVYVER Celine: Appointed as Managing director
01-02-2026
Annick Huylebroeck: Resigned as Non-statutory director
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2023
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.
Steenvoordelaan 789050 GentGround area
159 m²
Building footprint
125 m²
Parcel 44362B0226/00V010, Flanders. Linked by address, not a title deed.
1 establishment unit
Ellomar
since 20232.351.550.115
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44362B0226/00V010 | Flanders | 159 m² | 1 · 125 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 4,500 EUR awarded · 4,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 4,500 EUR | 4,500 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
VERCALA
BE 0689.956.644
Herenthout · Eq €175k
Alegrex
BE 0717.657.468
Linter · Eq €175k
Michael De Roeck
BE 0788.694.132
Antwerpen · Eq €175k
RioTec Vastgoed
BE 0453.229.035
Vosselaar · Eq €175k
100%
BE 0824.021.433
Ieper · Eq €175k
Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,448 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2023
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.