ELVERDI
ActiveELVERDI has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €193k and a net result of €68k. Its solvency ranks better than 89% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
75
/ 100
Excellent▼ -18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 5.84 against 2.52 in 2024), and 13.5% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
86.5%
Return on assets
30.6%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-04-2026, 20 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
20 d early
2024
40 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€193k▲ 54.6%
2024 · €125k
2024: €125k
2024 → 2025
Total assets
€223k▲ 23.6%
2024 · €180k
2024: €180k
2024 → 2025
Net result
€68k▼ 43.1%
2024 · €120k
2024: €120k
2024 → 2025
Working capital
€145k▲ 73.6%
2024 · €84k
2024: €84k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€125k-€193k▲ 54.6%
Operating result€172k-€94k▼ 45.1%
Net result€120k-€68k▼ 43.1%
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 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223k
Fixed assets
€47k▲ 14.0%
Current assets
€175k▲ 26.4%
Equity and liabilities €223k
Equity
€193k▲ 54.6%
Debt
€30k▼ 46.0%
The debt ratio falls from 30.9% to 13.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€105k▼
2024 · €180k
Cash flow
€79k▼
2024 · €128k
Solvency
86.5%▲
2024 · 69.1%
Current ratio
5.84▲
2024 · 2.52
Quick ratio
5.84▲
2024 · 2.52
Debt / equity
0.16▼
2024 · 0.45
ROE
35.3%▼
2024 · 96.0%
ROA
30.6%▼
2024 · 66.4%
Interest coverage
-105.26▼
2024 · 178.20
Debt
€30k▼
2024 · €56k
Debt ≤ 1 year
€30k▼
2024 · €55k
Income taxes
€28k▼
2024 · €51k
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€180k€223k▲
Formation expenses20€0€0=
Fixed assets21/28€42k€47k▲
Tangible fixed assets22/27€42k€47k▲
Land and buildings22€3k€2k▼
Plant, machinery and equipment23€39k€29k▼
Furniture and vehicles24-€16k
Current assets29/58€139k€175k▲
Amounts receivable within one year40/41€22k€21k▼
Trade receivables40€20k€21k▲
Other amounts receivable41€1k-
Current investments50/53€30k€120k▲
Cash at bank and in hand54/58€87k€32k▼
Deferred charges and accrued income490/1€553€2k▲
Equity and liabilities
Total equity and liabilities10/49€180k€223k▲
Equity10/15€125k€193k▲
Contributions10/11€5k€5k=
Reserves13€120k€188k▲
Distributable reserves133€120k€188k▲
Amounts payable17/49€56k€30k▼
Amounts payable within one year42/48€55k€30k▼
Trade debts44€1k€821▼
Suppliers440/4€1k€821▼
Taxes, remuneration and social security45€53k€28k▼
Taxes450/3€51k€28k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€855€905▲
Accrued charges and deferred income492/3€641-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€11k▲
Other operating charges640/8€2k€760▼
Non-recurring operating charges66A-€68
Gross operating margin9900€182k€106k▼
Operating profit (loss)9901€172k€94k▼
Financial income75/76B€206€778▲
Recurring financial income75€206€778▲
Financial charges65/66B€1k€-1k▼
Recurring financial charges65€1k€-1k▼
Profit (loss) for the period before taxes9903€171k€96k▼
Income taxes67/77€51k€28k▼
Profit (loss) for the period9904€120k€68k▼
Profit (loss) for the period to be appropriated9905€120k€68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€120k€68k▼
Transfer to equity691/2€120k€68k▼
To other reserves6921€120k€68k▼
The notes to these accounts (7 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
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity doublescurrent ratio 5.84
Current ratio from 2.52 to 5.84; short-term debt falls from €55k to €30k.
30-09
Financial
Equity above €150kEq €193k ▲54.6%
2 profitable years in a row build equity to €193k.
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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, Poperinge · 1 establishment unit since 2022
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.
Abeelseweg 2428970 PoperingeGround area
3,468 m²
Building footprint
423 m²
Volume, LiDAR
2,249 m³
Parcel 33313I0490/00C000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ELVERDI
since 20222.337.789.872
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33313I0490/00C000 | Flanders | 3,468 m² | 1 · 423 m² | 8.9 m · 2 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
2024 · 1 entry · 198 EUR awarded · 198 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 198 EUR | 198 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500F03PE9F76E0426
Similar companies · same sector, comparable size
DELO'CONCEPT
BE 0534.784.061
Theux · Eq €193k
LAGROBO
BE 0723.726.502
Zwevegem · Eq €193k
E.S.R. IMMO
BE 0843.334.628
Sprimont · Eq €193k
H.M.D.
BE 0461.047.037
Borgloon · Eq €193k
RLIVING
BE 0677.894.101
Duffel · Eq €193k
Of 9,635 companies in sector 68121 we hold annual accounts for 7,328. 5,304 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-11-2022
Fiscal year end30-09
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
77399Renting and leasing of other machinery, equipment and tangible goods
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.