ELOCLEM
ActiveELOCLEM has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €5k. Equity is growing by ~45.9% per year across the filed fiscal years. Its solvency ranks better than 25% of 1089 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency16▲+2
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.76 against 0.77 in 2024), and 84.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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 23-03-2026, 130 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
130 d early
2024
76 d early
2023
58 d early
2022
56 d early
2021
39 d early
2020
56 d early
← 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▲ 295%
2024 · €2k
2023: €4k
2024: €2k
2023 → 2025
Total assets
€46k▲ 196%
2024 · €16k
2023: €21k
2024: €16k
2023 → 2025
Net result
€5k
2024 · €-2k
2023: €-3k
2024: €-2k
2023 → 2025
Working capital
€-4k▼ 17.0%
2024 · €-3k
2023: €-4k
2024: €-3k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€4k-€2k▼ 51.4%€7k▲ 295%
Operating result€-2k-€-462▲ 74.3%€10k
Net result€-3k-€-2k▲ 31.4%€5k
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 €462 in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46k
Fixed assets
€35k▲ 604%
Current assets
€11k▲ 7.4%
Equity and liabilities €46k
Equity
€7k▲ 295%
Debt
€39k▲ 183%
The debt ratio falls from 88.2% to 84.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€17k▲
2024 · €7k
Cash flow
€13k▲
2024 · €6k
Solvency
15.7%▲
2024 · 11.8%
Current ratio
0.76▼
2024 · 0.77
Quick ratio
0.76▼
2024 · 0.77
Debt / equity
5.36▼
2024 · 7.48
ROE
74.7%▲
2024 · -105.8%
ROA
11.7%▲
2024 · -12.5%
Interest coverage
12.23▼
2024 · 32.90
Debt
€39k▲
2024 · €14k
Debt ≤ 1 year
€15k▲
2024 · €14k
Debt > 1 year
€24k
Income taxes
€3k▲
2024 · €1k
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
Balance sheet
Code2025
Total assets
20/58€46k
Fixed assets
21/28€35k
Tangible fixed assets
22/27€35k
Financial fixed assets
28€43
Current assets
29/58€11k
Amounts receivable within one year
40/41€304
Cash & bank
54/58€11k
Total equity & liabilities
10/49€46k
Equity
10/15€7k
Contributions / capital
10/11€3k
Accumulated profits (losses)
14€4k
Amounts payable
17/49€39k
Amounts payable after one year
17€24k
Amounts payable within one year
42/48€15k
Trade debts payable within one year
44€2k
Income statement
Code2025
Gross operating margin
9900€18k
Operating result
9901€10k
Financial income
75€0
Financial charges
65€1k
Result before taxes
9903€8k
Income taxes
67/77€3k
Net result for the period
9904€5k
Result to be appropriated
9905€5k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
KWIEK
BE 1015.002.951
Kampenhout · Eq €7k
KH Consult
BE 0465.867.838
Lebbeke · Eq €7k
BouwQ Belgium
BE 1012.680.394
Antwerpen · Eq €7k
A.P.S
BE 0774.645.067
Sint-Lambrechts-Woluwe · Eq €7k
iBayman
BE 0716.634.614
Londerzeel · Eq €7k
Of 24,569 companies in sector 82990 we hold annual accounts for 9,060. 3,624 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-2019
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-07-2026. Scores and ratios are computed by Checked and are not a credit decision.