Checked.be
Active
BE 0730.737.028Private limited company
ELOCLEM
Clos des Mésanges 44 ·1342 Ottignies-Louvain-la-Neuve, Belgium· 7 yrs active
Sector: Other business support services
(82990)
Conclusion
ELOCLEM 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 shrinking by ~23.2% 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).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €7k |
| Net result | €5k |
| Better than sector | 25% |
| Active | 7 yrs |
Financial profile
70
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
56
Profitability
100
Solvency
16
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
56
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€500
estimate, not credit advice
Score history
28
2022
25
2023
33
2024
56
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.76 (< 1.0)
-10
Leverage
Debt/equity 5.36 (> 3.0)
-10
Profitability
ROE 75% (≥ 10%)
+10
Interest coverage
Interest coverage 12.2× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 23-03-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~23.2%/year over 4 fiscal years, indicative, assuming unchanged policy.
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 2025 · NACE 82, Office administrative, office support and other business support activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 15.7% | 51.4% | |
| Net result | €5k | €24k | |
| Equity | €7k | €51k | |
| Gross operating margin | €18k | €46k | |
| Total assets | €46k | €117k |
€17k
+133.1%
22-25
€5k
-
22-25
€13k
+122.7%
22-25
€46k
+196.3%
22-25
€7k
+294.8%
22-25
€-4k
-17.0%
22-25
€3k
+111.9%
22-25
€39k
+183.2%
22-25
€15k
+9.5%
22-25
€24k
+475.9%
22-25
0.76
-2.0%
22-25
0.76
-2.0%
22-25
15.7%
+33.2%
22-25
5.36
-28.3%
22-25
74.7%
-
22-25
11.7%
-
22-25
12.23
-62.8%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €17k | €7k | €6k | €8k |
| Net profit | €5k | €-2k | €-3k | €-1k |
| Cash flow | €13k | €6k | €5k | €6k |
| Staff costs | - | - | - | - |
| Income taxes | €3k | €1k | €782 | €916 |
| Dividends | - | - | - | - |
| Total assets | €46k | €16k | €21k | €28k |
| Equity | €7k | €2k | €4k | €7k |
| Debt | €39k | €14k | €17k | €22k |
| of which ≤ 1y | €15k | €14k | €13k | €11k |
| of which > 1y | €24k | - | €4k | €10k |
| Working capital | €-4k | €-3k | €-4k | €-3k |
| Employees (FTE) | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 0.76 | 0.77 | 0.68 | 0.75 |
| Quick ratio | 0.76 | 0.77 | 0.68 | 0.75 |
| Working capital ratio | -7.9% | -19.9% | -19.6% | -10.1% |
| Solvency | 15.7% | 11.8% | 18.4% | 23.4% |
| Debt / equity | 5.36 | 7.48 | 4.44 | 3.27 |
| Long-term debt ratio | 3.29 | - | 1.10 | 1.56 |
| Interest coverage | 12.23 | 32.90 | 23.36 | 23.43 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 11.7% | -12.5% | -13.8% | -5.0% |
| ROE | 74.7% | -105.8% | -74.9% | -21.3% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €46k | €16k | €21k | €28k |
| Fixed assets | 21/28 | €35k | €5k | €12k | €19k |
| Formation expenses | 20 | - | - | €142 | €427 |
| Tangible fixed assets | 22/27 | €35k | €5k | €12k | €19k |
| Financial fixed assets | 28 | €43 | €43 | €43 | €43 |
| Current assets | 29/58 | €11k | €11k | €9k | €9k |
| Amounts receivable within one year | 40/41 | €304 | - | - | - |
| Cash & bank | 54/58 | €11k | €10k | €8k | €8k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €46k | €16k | €21k | €28k |
| Equity | 10/15 | €7k | €2k | €4k | €7k |
| Contributions / capital | 10/11 | €3k | €3k | €3k | €3k |
| Accumulated profits (losses) | 14 | €4k | €-1k | €802 | €4k |
| Amounts payable | 17/49 | €39k | €14k | €17k | €22k |
| Amounts payable after one year | 17 | €24k | - | €4k | €10k |
| Amounts payable within one year | 42/48 | €15k | €14k | €13k | €11k |
| Trade debts payable within one year | 44 | €2k | €3k | €276 | €138 |
| Income statement | |||||
| Gross operating margin | 9900 | €18k | €8k | €7k | €8k |
| Operating result | 9901 | €10k | €-462 | €-2k | €-216 |
| Financial income | 75 | €0 | €0 | - | €36 |
| Financial charges | 65 | €1k | €220 | €270 | €323 |
| Result before taxes | 9903 | €8k | €-682 | €-2k | €-503 |
| Income taxes | 67/77 | €3k | €1k | €782 | €916 |
| Net result for the period | 9904 | €5k | €-2k | €-3k | €-1k |
| Result to be appropriated | 9905 | €5k | €-2k | €-3k | €-1k |
Legal Structure
| NACE primary | Other business support services(82990) |
| Legal form | Private limited company(610) |
| Incorporation | 16-07-2019 |
| Status | Active |
| Postal code | 1342 |
Establishment units
ELOCLEM
since 20192.291.756.246
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25056B0293/00B007 | Wallonia | 625 m² | 1 · 115 m² | 6.1 m · 1 fl. |
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.
Updates
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 3 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
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
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.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Other business support services82990Contract catering and other food service activities56220Food and beverage service activities56290
Names & trade names
| Legal nameFR | ELOCLEM |
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