Elto-Invest 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 €1.13M and a net result of €318k. Equity is growing by ~27.7% per year across the filed fiscal years. Its solvency ranks better than 47% of 5527 sector peers (fiscal year 2025). The company has been active since 2011 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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
29 d early
2023
20 d early
2022
20 d early
2021
17 d early
2020
31 d early
2019
14 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.13M▲ 23.3%
2024 · €913k
2018: €205k
2019: €310k
2020: €319k
2021: €415k
2022: €508k
2023: €702k
2024: €913k
2018 → 2025
Net result
€318k▲ 4.0%
2024 · €306k
2018: €95k
2019: €105k
2020: €9k
2021: €96k
2022: €129k
2023: €248k
2024: €306k
2018 → 2025
Total assets
€2.32M▲ 2.2%
2024 · €2.27M
2018: €2.00M
2019: €1.99M
2020: €2.25M
2021: €2.41M
2022: €2.29M
2023: €2.30M
2024: €2.27M
2018 → 2025
Solvency
48.5%▲ 8.3pp
2024 · 40.2%
2018: 10.3%
2019: 15.6%
2020: 14.2%
2021: 17.2%
2022: 22.2%
2023: 30.5%
2024: 40.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€415k-€508k▲ 22.5%€702k▲ 38.0%€913k▲ 30.0%€1.13M▲ 23.3%
Operating result€173k-€221k▲ 27.9%€392k▲ 77.3%€475k▲ 21.3%€487k▲ 2.5%
Net result€96k-€129k▲ 34.7%€248k▲ 92.2%€306k▲ 23.0%€318k▲ 4.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.32M
Fixed assets
€2.14M▼ 3.5%
Current assets
€180k▲ 249%
Equity and liabilities €2.32M
Equity
€1.13M▲ 23.3%
Debt
€1.20M▼ 12.0%
The debt ratio falls from 59.8% to 51.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
48.5%▲
2024 · 40.2%
ROE
28.2%▼
2024 · 33.5%
ROA
13.7%▲
2024 · 13.5%
Debt
€1.20M▼
2024 · €1.36M
Debt ≤ 1 year
€296k▲
2024 · €271k
Debt > 1 year
€899k▼
2024 · €1.09M
Income taxes
€142k▲
2024 · €137k
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€2.27M€2.32M▲
Fixed assets21/28€2.22M€2.14M▼
Tangible fixed assets22/27€2.22M€2.14M▼
Land and buildings22€2.14M€2.09M▼
Furniture and vehicles24€77k€52k▼
Current assets29/58€51k€180k▲
Amounts receivable within one year40/41€4k€12k▲
Trade receivables40€3k€12k▲
Other amounts receivable41€994€0▼
Cash at bank and in hand54/58€46k€166k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€2.27M€2.32M▲
Equity10/15€913k€1.13M▲
Contributions10/11€20k€20k=
Reserves13€893k€1.11M▲
Distributable reserves133€893k€1.11M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.36M€1.20M▼
Amounts payable after more than one year17€1.09M€899k▼
Financial debts170/4€1.09M€899k▼
Amounts payable within one year42/48€271k€296k▲
Current portion of amounts payable after more than one year42€186k€191k▲
Trade debts44€6k€1k▼
Suppliers440/4€6k€1k▼
Taxes, remuneration and social security45€27k€44k▲
Taxes450/3€27k€44k▲
Other amounts payable47/48€52k€59k▲
Accrued charges and deferred income492/3€297€545▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€97k€78k▼
Other operating charges640/8€21k€20k▼
Gross operating margin9900€593k€585k▼
Operating profit (loss)9901€475k€487k▲
Financial income75/76B€496€488▼
Recurring financial income75€496€488▼
Financial charges65/66B€33k€27k▼
Recurring financial charges65€33k€27k▼
Profit (loss) for the period before taxes9903€442k€460k▲
Income taxes67/77€137k€142k▲
Profit (loss) for the period9904€306k€318k▲
Profit (loss) for the period to be appropriated9905€306k€318k▲
Appropriation of the result
Profit (loss) to be appropriated9906€306k€318k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€95k€105k▲
Transfer to equity691/2€306k€318k▲
To other reserves6921€306k€318k▲
Profit to be distributed694/7€95k€105k▲
Return on contributions (dividend)694€95k€105k▲
The notes to these accounts (15 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €318k ▲4%
Operating result €487k, net result €318k, both a record.
31-12
Financial
Equity above €1MEq €1.13M ▲23.3%
8 profitable years in a row build equity to €1.13M.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €508k ▲22.5%
5 profitable years in a row build equity to €508k.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €9k ▼91.3%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Oostende · 1 establishment unit since 2011
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.
Visserskaai 18400 OostendeGround area
253 m²
Building footprint
253 m²
Volume, LiDAR
3,032 m³
Parcel 35013A1599/00C004, Flanders · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Elto-Invest
since 20112.195.074.069
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1599/00C004 | Flanders | 253 m² | 1 · 253 m² | 19.6 m · 5 fl. |
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
2025 · 1 entry · 698 EUR awarded · 698 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 698 EUR | 698 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 12,404 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.