ELUNA
ActiveELUNA has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €35k and a net result of €11k. Equity is growing by ~55.8% per year across the filed fiscal years. Its solvency ranks better than 35% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability53▼-11
Solvency40▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.6 in 2023; short-term debt: 52% and cash: 5.1% of total assets), but 84.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
15.2%
Return on assets
4.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
not confirmed
2024
60 d late
2023
28 d late
2022
61 d late
2021
72 d late
2020
87 d late
2019
25 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€35k▲ 45.9%
2023 · €24k
2018: €-45k
2019: €-34k
2020: €-9k
2021: €9k
2022: €5k
2023: €24k
2018 → 2024
Total assets
€230k▼ 5.4%
2023 · €243k
2018: €100k
2019: €137k
2020: €231k
2021: €242k
2022: €248k
2023: €243k
2018 → 2024
Net result
€11k▼ 41.4%
2023 · €19k
2018: €10k
2019: €11k
2020: €25k
2021: €17k
2022: €-4k
2023: €19k
2018 → 2024
Working capital
€86k▲ 4.9%
2023 · €82k
2018: €-48k
2019: €27k
2020: €45k
2021: €70k
2022: €61k
2023: €82k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-9k-€9k€5k▼ 40.5%€24k▲ 364%€35k▲ 45.9%
Operating result€30k-€28k▼ 6.5%€691▼ 97.6%€33k▲ 4,619%€23k▼ 30.6%
Net result€25k-€17k▼ 32.3%€-4k€19k€11k▼ 41.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 31% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €230k
Fixed assets
€24k▼ 2.9%
Current assets
€205k▼ 5.7%
Equity and liabilities €230k
Equity
€35k▲ 45.9%
Debt
€195k▼ 11.0%
The debt ratio falls from 90.1% to 84.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31k▼
2023 · €40k
Cash flow
€19k▼
2023 · €27k
Solvency
15.2%▲
2023 · 9.9%
Current ratio
1.72▲
2023 · 1.60
Quick ratio
0.19▲
2023 · 0.11
Debt / equity
5.57▼
2023 · 9.13
ROE
31.5%▼
2023 · 78.5%
ROA
4.8%▼
2023 · 7.7%
Interest coverage
3.39▼
2023 · 4.25
Debt
€195k▼
2023 · €219k
Debt ≤ 1 year
€119k▼
2023 · €136k
Debt > 1 year
€75k▼
2023 · €80k
Income taxes
€5k▼
2023 · €7k
Staff costs
€45k▼
2023 · €45k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€243k€230k▼
Fixed assets21/28€25k€24k▼
Intangible fixed assets21€3k-
Tangible fixed assets22/27€22k€24k▲
Plant, machinery and equipment23€9k€12k▲
Furniture and vehicles24€1k€2k▲
Other tangible fixed assets26€12k€10k▼
Financial fixed assets28-€136
Current assets29/58€218k€205k▼
Stocks and contracts in progress3€202k€182k▼
Stocks30/36€202k€182k▼
Amounts receivable within one year40/41€8k€3k▼
Trade receivables40€8k€3k▼
Current investments50/53€2€2k▲
Cash at bank and in hand54/58€6k€12k▲
Deferred charges and accrued income490/1€1k€6k▲
Equity and liabilities
Total equity and liabilities10/49€243k€230k▼
Equity10/15€24k€35k▲
Contributions10/11€6k€6k=
Reserves13€18k€29k▲
Distributable reserves133€18k€29k▲
Amounts payable17/49€219k€195k▼
Amounts payable after more than one year17€80k€75k▼
Other amounts payable178/9€80k€75k▼
Amounts payable within one year42/48€136k€119k▼
Current portion of amounts payable after more than one year42€568-
Financial debts43€9k€480▼
Credit institutions430/8€9k€480▼
Trade debts44€9k€24k▲
Suppliers440/4€9k€24k▲
Taxes, remuneration and social security45€41k€30k▼
Taxes450/3€27k€20k▼
Remuneration and social security454/9€13k€10k▼
Other amounts payable47/48€77k€64k▼
Accrued charges and deferred income492/3€3k€237▼
Income statement
Code20232024
Remuneration, social security and pensions62€45k€45k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€87k€77k▼
Operating profit (loss)9901€33k€23k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€26k€16k▼
Income taxes67/77€7k€5k▼
Profit (loss) for the period9904€19k€11k▼
Profit (loss) for the period to be appropriated9905€19k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€11k▼
Profit (loss) brought forward from the previous period14P€-4k-
Transfer to equity691/2€15k€11k▼
To other reserves6921€15k€11k▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Weakest financial yearnet €-4k ▼120%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 72 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Highest result since 2018net €25k ▲128%
Net result €25k, the highest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 1.32
Current ratio from 0.63 to 1.32; short-term debt falls from €131k to €83k.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 47 days late
2017
13-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 44 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Diest · 2 establishment units since 2003
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.
Koestraat 203290 DiestGround area
328 m²
Building footprint
192 m²
Volume, LiDAR
1,618 m³
2 parcels, Flanders · tallest building 16.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
RG COLLECTIONS
since 20032.132.712.571
Maroquinerie Chloë
since 20202.297.692.349
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020A0951/00G000 | Flanders | 224 m² | 1 · 88 m² | 13.1 m · 3 fl. |
| 24020A0232/00B000 | Flanders | 103 m² | 1 · 103 m² | 16.4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 270 EUR awarded · 270 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 270 EUR | 270 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
AKVALITO
BE 0417.687.938
Linter · Eq €34k
UNI TEX
BE 0723.554.078
Sint-Jans-Molenbeek · Eq €36k
H20
BE 0468.680.244
Liège · Eq €34k
N.T.S. CONSULTING
BE 0833.180.906
Sint-Gillis (bij-Brussel) · Eq €34k
BAO - SOLDY
BE 0464.000.191
Sint-Jans-Molenbeek · Eq €36k
Of 1,271 companies in sector 47512 we hold annual accounts for 581. 422 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2003
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
52410
47711Retail sale of women's outerwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
52423
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.