Summary
ELOY-ANDRE HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €326k and a net result of €13k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 24% of 9863 sector peers (fiscal year 2024). The company has been active since 2008 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9863 sector peers (2024).
NBB · sector comparisonPosition among 9863 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
41 d early
2022
46 d early
2021
31 d late
2020
19 d early
2019
70 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€326k▲ 4.2%
2023 · €313k
2018: €280k
2019: €325k
2020: €373k
2021: €410k
2022: €472k
2023: €313k
2018 → 2024
Net result
€13k▼ 54.1%
2023 · €29k
2018: €188k
2019: €73k
2020: €62k
2021: €65k
2022: €63k
2023: €29k
2018 → 2024
Total assets
€1.42M▼ 9.4%
2023 · €1.57M
2018: €768k
2019: €835k
2020: €818k
2021: €839k
2022: €847k
2023: €1.57M
2018 → 2024
Solvency
23.0%▲ 3.0pp
2023 · 20.0%
2018: 36.5%
2019: 38.9%
2020: 45.6%
2021: 48.8%
2022: 55.7%
2023: 20.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€373k-€410k▲ 9.8%€472k▲ 15.3%€313k▼ 33.7%€326k▲ 4.2%
Operating result€95k-€100k▲ 5.5%€95k▼ 4.7%€57k▼ 40.5%€51k▼ 9.1%
Net result€62k-€65k▲ 5.7%€63k▼ 4.3%€29k▼ 53.8%€13k▼ 54.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 9% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.42M
Fixed assets
€1.36M ▲ 34.6%
Current assets
€58k ▼ 89.5%
Equity and liabilities €1.42M
Equity
€326k ▲ 4.2%
Debt
€1.09M ▼ 12.8%
Debt's share of the balance-sheet total falls from 80.0% to 77.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.1%▼
2023 · 9.2%
ROA
0.9%▼
2023 · 1.8%
Debt ≤ 1 year
€85k▼
2023 · €319k
Debt > 1 year
€1.00M▲
2023 · €925k
Income taxes
€7k▼
2023 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.57M€1.42M▼
Fixed assets21/28€1.01M€1.36M▲
Tangible fixed assets22/27€674k€1.02M▲
Land and buildings22€436k€1.02M▲
Assets under construction and advance payments27€238k-
Financial fixed assets28€337k€337k=
Current assets29/58€555k€58k▼
Amounts receivable within one year40/41€463k€52k▼
Trade receivables40€14k€2k▼
Other amounts receivable41€449k€50k▼
Cash at bank and in hand54/58€88k€3k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.57M€1.42M▼
Equity10/15€313k€326k▲
Contributions10/11€19k€19k=
Reserves13€290k€303k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€288k€301k▲
Profit (loss) carried forward14€5k€5k▲
Amounts payable17/49€1.25M€1.09M▼
Amounts payable after more than one year17€925k€1.00M▲
Financial debts170/4€840k€767k▼
Other amounts payable178/9€85k€235k▲
Amounts payable within one year42/48€319k€85k▼
Current portion of amounts payable after more than one year42€23k€57k▲
Trade debts44€99k€6k▼
Suppliers440/4€99k€6k▼
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48€197k€19k▼
Accrued charges and deferred income492/3€8k€6k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€30k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€91k€84k▼
Operating profit (loss)9901€57k€51k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€18k€33k▲
Recurring financial charges65€18k€33k▲
Profit (loss) for the period before taxes9903€41k€20k▼
Income taxes67/77€12k€7k▼
Profit (loss) for the period9904€29k€13k▼
Profit (loss) for the period to be appropriated9905€29k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€18k▼
Profit (loss) brought forward from the previous period14P€3k€5k▲
Transfer from equity791/2€188k-
Transfer to equity691/2€27k€13k▼
To other reserves6921€27k€13k▼
Profit to be distributed694/7€188k-
Return on contributions (dividend)694€188k-
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €13k ▼54.1%
Net result drops to €13k, the lowest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
09-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 101 days late
2016
11-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Nassogne · 1 establishment unit since 2008
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.
Haute-Voie-de-Marche 266950 NassogneGround area
2,512 m²
Building footprint
530 m²
Volume, LiDAR
5,137 m³
2 parcels, Wallonia · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PHARMACIE DE NASSOGNE
since 20082.175.929.536
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83040A1166/00H000 | Wallonia | 1,931 m² | 1 · 157 m² | 8.7 m · 2 fl. |
| 83040A0899/00M000 | Wallonia | 581 m² | 1 · 373 m² | 13.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
FEJU
BE 0748.454.176
Hamont-Achel · Eq €326,218
AWM PHARMA
BE 1005.406.780
Brussel · Eq €326,211
IVECA
BE 0845.271.361
Heusden-Zolder · Eq €326,203
BLECKER-MARTINEZ
BE 0769.530.692
Trooz · Eq €326,457
SEASIDE INTERNATIONAL
BE 0458.914.819
Mol · Eq €326,042
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,776 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2008
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.