ELOco
ActiveELOco has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.13M and a net result of €121k. Equity is growing by ~49.4% per year across the filed fiscal years. Its solvency ranks better than 16% of 3166 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▼-46
Solvency67▲+14
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 8.76 against 1.35 in 2024), but 88.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
11.5%
Return on assets
1.2%
Age of the figures
13 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 3166 sector peers (2025).
NBB · sector comparisonPosition among 3166 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 22-03-2026, 22 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
22 d late
2024
2 d early
2023
7 d late
2022
1 d early
2021
3 d early
2020
16 d late
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close13-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€121k▼ 80.6%
2024 · €624k
2019: €55k
2020: €76k
2021: €160k
2022: €75k
2023: €104k
2024: €624k
2019 → 2025
Working capital
€572k▲ 815%
2024 · €63k
2019: €-79k
2020: €19k
2021: €-334k
2022: €-106k
2023: €-167k
2024: €63k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€250k-€325k▲ 30.1%€384k▲ 18.3%€1.01M▲ 162%€1.13M▲ 12.0%
Operating result€231k-€164k▼ 29.0%€183k▲ 11.4%€422k▲ 131%€633k▲ 49.9%
Net result€160k-€75k▼ 53.1%€104k▲ 38.8%€624k▲ 498%€121k▼ 80.6%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 50% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.80M
Fixed assets
€9.16M▼ 0.8%
Current assets
€646k▲ 168%
Equity and liabilities €9.80M
Equity
€1.13M▲ 12.0%
Provisions
€7.22M▼ 0.2%
Debt
€1.45M▲ 19.1%
The debt ratio rises from 12.9% to 14.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€710k▲
2024 · €499k
Cash flow
€198k▼
2024 · €701k
Solvency
11.5%▲
2024 · 10.6%
Current ratio
8.76▲
2024 · 1.35
Quick ratio
8.76▲
2024 · 1.35
Debt / equity
1.29▲
2024 · 1.21
ROE
10.7%▼
2024 · 61.9%
ROA
1.2%▼
2024 · 6.6%
Interest coverage
1.44▲
2024 · 1.00
Debt
€1.45M▲
2024 · €1.22M
Debt ≤ 1 year
€74k▼
2024 · €178k
Debt > 1 year
€1.38M▲
2024 · €1.04M
Income taxes
€18k▲
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 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€9.47M€9.80M▲
Fixed assets21/28€9.23M€9.16M▼
Tangible fixed assets22/27€1.71M€1.64M▼
Land and buildings22€1.71M€1.64M▼
Furniture and vehicles24€1k€1k=
Financial fixed assets28€7.52M€7.52M=
Current assets29/58€241k€646k▲
Amounts receivable within one year40/41€233k€619k▲
Trade receivables40€206k€468k▲
Other amounts receivable41€27k€150k▲
Cash at bank and in hand54/58€4k€23k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€9.47M€9.80M▲
Equity10/15€1.01M€1.13M▲
Contributions10/11€240k€240k=
Reserves13€600k€800k▲
Distributable reserves133€600k€800k▲
Profit (loss) carried forward14€168k€89k▼
Provisions and deferred taxes16€7.24M€7.22M▼
Provisions for liabilities and charges160/5€7.24M€7.22M▼
Other liabilities and charges164/5€7.24M€7.22M▼
Amounts payable17/49€1.22M€1.45M▲
Amounts payable after more than one year17€1.04M€1.38M▲
Financial debts170/4€1.04M€1.38M▲
Amounts payable within one year42/48€178k€74k▼
Current portion of amounts payable after more than one year42€69k€67k▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Other amounts payable47/48€99k-
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€77k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€-18k
Other operating charges640/8€6k€7k▲
Gross operating margin9900€505k€699k▲
Operating profit (loss)9901€422k€633k▲
Financial income75/76B€700k€64▼
Recurring financial income75€700k€64▼
Financial charges65/66B€497k€494k▼
Recurring financial charges65€497k€494k▼
Profit (loss) for the period before taxes9903€625k€139k▼
Income taxes67/77€1k€18k▲
Profit (loss) for the period9904€624k€121k▼
Profit (loss) for the period to be appropriated9905€624k€121k▼
Appropriation of the result
Profit (loss) to be appropriated9906€768k€289k▼
Profit (loss) brought forward from the previous period14P€144k€168k▲
Transfer to equity691/2€600k€200k▼
To other reserves6921€600k€200k▼
The notes to these accounts (9 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
22-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 22 days late
2025
31-07
Financial
Liquidity times 6current ratio 8.76
Current ratio from 1.35 to 8.76; short-term debt falls from €178k to €74k.
26-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-07
Financial
Highest result since 2019net €624k ▲498%
Net result €624k, the highest in the series.
31-07
Financial
Liquidity times 6current ratio 1.35
Current ratio from 0.24 to 1.35; short-term debt falls from €219k to €178k.
31-07
Financial
Equity above €1MEq €1.01M ▲162%
6 profitable years in a row build equity to €1.01M.
07-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 7 days late
2023
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-07
Financial
Equity above €200kEq €250k ▲180%
3 profitable years in a row build equity to €250k.
16-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
31-07
Financial
Liquidity times 12current ratio 1.20
Current ratio from 0.10 to 1.20.
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
02-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Jette · 1 establishment unit since 2014
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.
Burgemeester Etienne Demunterl. 51090 Jette1 establishment unit
ELOco
since 20142.240.133.440
Recognitions · licences · registrations
Legal Entity Identifier
2549002DXL3XT44KFF65
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 26,406 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2014
Fiscal year end31-07
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filings
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.