ELVANO IMMO
ActiveELVANO IMMO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €770k and a net result of €227k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 52% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent▲ +12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency73▲+16
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.48 in 2024), and 41.7% 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○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
58.3%
Return on assets
17.2%
Age of the figures
14 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
14 d early
2023
1 d early
2022
1 d late
2021
on the day
2020
2 d early
2019
17 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€770k▲ 41.8%
2024 · €543k
2019: €332k
2020: €295k
2021: €313k
2022: €385k
2023: €468k
2024: €543k
2019 → 2025
Total assets
€1.32M▲ 10.3%
2024 · €1.20M
2019: €646k
2020: €613k
2021: €577k
2022: €977k
2023: €1.09M
2024: €1.20M
2019 → 2025
Net result
€227k▲ 46.6%
2024 · €155k
2019: €82k
2020: €-37k
2021: €18k
2022: €87k
2023: €139k
2024: €155k
2019 → 2025
Working capital
€-75k▲ 76.6%
2024 · €-320k
2019: €-73k
2020: €-138k
2021: €-165k
2022: €-530k
2023: €-424k
2024: €-320k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€313k-€385k▲ 22.9%€468k▲ 21.7%€543k▲ 16.0%€770k▲ 41.8%
Operating result€22k-€134k▲ 513%€221k▲ 64.1%€262k▲ 18.8%€366k▲ 39.8%
Net result€18k-€87k▲ 387%€139k▲ 60.6%€155k▲ 11.1%€227k▲ 46.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 40% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.32M
Fixed assets
€877k▼ 2.9%
Current assets
€444k▲ 50.8%
Equity and liabilities €1.32M
Equity
€770k▲ 41.8%
Debt
€550k▼ 15.9%
The debt ratio falls from 54.6% to 41.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€395k▲
2024 · €291k
Cash flow
€256k▲
2024 · €184k
Solvency
58.3%▲
2024 · 45.4%
Current ratio
0.86▲
2024 · 0.48
Quick ratio
0.86▲
2024 · 0.48
Debt / equity
0.71▼
2024 · 1.20
ROE
29.5%▲
2024 · 28.5%
ROA
17.2%▲
2024 · 12.9%
Interest coverage
12.20▲
2024 · 9.70
Debt
€550k▼
2024 · €654k
Debt ≤ 1 year
€519k▼
2024 · €615k
Income taxes
€107k▲
2024 · €77k
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€1.20M€1.32M▲
Fixed assets21/28€903k€877k▼
Tangible fixed assets22/27€903k€877k▼
Land and buildings22€897k€873k▼
Other tangible fixed assets26€6k€4k▼
Current assets29/58€294k€444k▲
Amounts receivable within one year40/41€449€432k▲
Trade receivables40-€300k
Other amounts receivable41€449€132k▲
Cash at bank and in hand54/58€294k€12k▼
Deferred charges and accrued income490/1€116€123▲
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.32M▲
Equity10/15€543k€770k▲
Contributions10/11€30k€30k=
Reserves13€488k€738k▲
Non-distributable reserves130/1€10k€10k=
Other1319€10k€10k=
Distributable reserves133€478k€728k▲
Profit (loss) carried forward14€25k€2k▼
Amounts payable17/49€654k€550k▼
Amounts payable after more than one year17€10k-
Financial debts170/4€10k-
Amounts payable within one year42/48€615k€519k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€1k€691▼
Suppliers440/4€1k€691▼
Taxes, remuneration and social security45€77k€7k▼
Taxes450/3€77k€7k▼
Other amounts payable47/48€526k€501k▼
Accrued charges and deferred income492/3€29k€32k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€294k€397k▲
Operating profit (loss)9901€262k€366k▲
Financial income75/76B€1€2▲
Recurring financial income75€1€2▲
Financial charges65/66B€30k€32k▲
Recurring financial charges65€30k€32k▲
Profit (loss) for the period before taxes9903€232k€334k▲
Income taxes67/77€77k€107k▲
Profit (loss) for the period9904€155k€227k▲
Profit (loss) for the period to be appropriated9905€155k€227k▲
Appropriation of the result
Profit (loss) to be appropriated9906€175k€252k▲
Profit (loss) brought forward from the previous period14P€20k€25k▲
Transfer from equity791/2€80k-
Transfer to equity691/2€150k€250k▲
To other reserves6921€150k€250k▲
Profit to be distributed694/7€80k-
Return on contributions (dividend)694€80k-
The notes to these accounts (5 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €227k ▲46.6%
Operating result €366k, net result €227k, both a record.
17-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €500kEq €543k ▲16%
4 profitable years in a row build equity to €543k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-37k ▼145%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
17-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2018
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 27 days late
2016
22-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Lebbeke · 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.
Kapellenstraat 88 A9280 LebbekeGround area
431 m²
Building footprint
172 m²
Volume, LiDAR
832 m³
Parcel 42005A0805/00B002, Flanders · tallest building 10.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Elvano
since 20112.205.259.465
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42005A0805/00B002 | Flanders | 431 m² | 1 · 172 m² | 10.5 m · 1 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.
Similar companies · same sector, comparable size
BANAM
BE 0794.262.922
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MELISSE
BE 0879.197.310
Schoten · Eq €770k
GEMINI CONSULTING
BE 0722.661.579
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u-Dream
BE 0884.834.592
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VALERCO
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 30,529 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2011
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.