ELVERE

Active

Private limited companyfounded 20233 yrs activeTessenderloseweg 24, 2440 Geel, BelgiumKBO/BCE: BE 0804.368.045

ELVERE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €40k. Its solvency ranks better than 79% of 3446 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2025

93 / 100

Excellent= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100▲+1

Growth52

Stability94

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €11k at 30 days acceptable

Liquidity ample (current ratio 5.36 against 2.68 in 2024), and 21.4% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 74

Relative position

BE, all sectors

reference

Sector 74

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

78.6%

Return on assets

27.2%

Age of the figures

8 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 2 filings

Deviation from the deadline

2025

7 d late

2024

29 d late

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€115k▲ 52.8%

2024 · €75k

2024: €75k

2024 → 2025

Total assets

€146k▲ 21.4%

2024 · €120k

2024: €120k

2024 → 2025

Net result

€40k▼ 43.5%

2024 · €70k

2024: €70k

2024 → 2025

Working capital

€92k▲ 84.0%

2024 · €50k

2024: €50k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€75k-€115k▲ 52.8%

Operating result€93k-€50k▼ 45.8%

Net result€70k-€40k▼ 43.5%

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 46% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €146k

22.5%

77.5%

Fixed assets €33k▼ 19.0%

Current assets €113k▲ 41.9%

Equity and liabilities €146k

78.6%

21.4%

Equity €115k▲ 52.8%

Debt €31k▼ 30.8%

The debt ratio falls from 37.5% to 21.4%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€59k▼

2024 · €94k

Cash flow

€48k▼

2024 · €71k

Solvency

78.6%▲

2024 · 62.5%

Current ratio

5.36▲

2024 · 2.68

Quick ratio

5.36▲

2024 · 2.68

Debt / equity

0.27▼

2024 · 0.60

ROE

34.5%▼

2024 · 93.3%

ROA

27.2%▼

2024 · 58.3%

Interest coverage

90.92▼

2024 · 281.90

Debt

€31k▼

2024 · €45k

Debt ≤ 1 year

€21k▼

2024 · €30k

Debt > 1 year

€10k▼

2024 · €13k

Income taxes

€10k▼

2024 · €22k

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€120k€146k▲

Fixed assets21/28€40k€33k▼

Tangible fixed assets22/27€40k€33k▼

Plant, machinery and equipment23-€689

Furniture and vehicles24€40k€32k▼

Current assets29/58€80k€113k▲

Amounts receivable within one year40/41€13k-

Trade receivables40€13k-

Current investments50/53-€25k

Cash at bank and in hand54/58€65k€86k▲

Deferred charges and accrued income490/1€2k€2k▲

Equity and liabilities

Total equity and liabilities10/49€120k€146k▲

Equity10/15€75k€115k▲

Contributions10/11€5k€5k=

Reserves13€70k€110k▲

Distributable reserves133€70k€110k▲

Amounts payable17/49€45k€31k▼

Amounts payable after more than one year17€13k€10k▼

Financial debts170/4€13k€10k▼

Amounts payable within one year42/48€30k€21k▼

Current portion of amounts payable after more than one year42€3k€3k▲

Trade debts44€1k€1k▼

Suppliers440/4€1k€1k▼

Taxes, remuneration and social security45€25k€17k▼

Taxes450/3€25k€17k▼

Other amounts payable47/48€271€204▼

Accrued charges and deferred income492/3€3k€447▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€9k▲

Other operating charges640/8€493€168▼

Non-recurring operating charges66A€3k-

Gross operating margin9900€98k€59k▼

Operating profit (loss)9901€93k€50k▼

Financial income75/76B€62€393▲

Recurring financial income75€62€393▲

Financial charges65/66B€334€646▲

Recurring financial charges65€334€646▲

Profit (loss) for the period before taxes9903€92k€50k▼

Income taxes67/77€22k€10k▼

Profit (loss) for the period9904€70k€40k▼

Profit (loss) for the period to be appropriated9905€70k€40k▼

Appropriation of the result

Profit (loss) to be appropriated9906€70k€40k▼

Transfer to equity691/2€70k€40k▼

To other reserves6921€70k€40k▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

07-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 7 days late

2025

31-12

Financial Equity above €100kEq €115k ▲52.8%

2 profitable years in a row build equity to €115k.

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 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, Geel · 1 establishment unit since 2023

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.

Tessenderloseweg 242440 Geel

Ground area

689 m²

Building footprint

86 m²

Volume, LiDAR

528 m³

Parcel 13373K0687/00Y000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

ELVERE

Tessenderloseweg 24, 2440 GeelReal estate activities

since 20232.347.855.108

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13373K0687/00Y000	Flanders	689 m²	1 · 86 m²	9.1 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.

Similar companies · same sector, comparable size

IdV

BE 0694.665.597

Maldegem · Eq €115k

DOKTER MIGUEL D'HAESELEER, NEUROLOOG

Anderlecht · Eq €114k

ZORGLANDSCHAP

BE 0683.736.370

Antwerpen · Eq €114k

Of 4,548 companies in sector 74999 we hold annual accounts for 1,933. 1,543 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-07-2023

Fiscal year end31-12

Activities, NACEBEL

74909Other professional, scientific and technical activities

74999Other professional, scientific and technical activities

70100Activities of head offices

70200Business and other management consultancy

70210Activities of head offices; management consultancy activities

70220Business consulting

73300Public relations and communication consultancy

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.