ELYD
ActiveThe computed 12-month bankruptcy probability of ELYD is 3.3% (moderate). The 2025 annual accounts show equity of €68k and a net result of €64k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 73% of 27619 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency94▲+61
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.85 against 0.98 in 2024; short-term debt: 31.4% of total assets), and 31.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
68.6%
Return on assets
64.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
69 d late
2023
29 d late
2022
21 d late
2021
23 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▲ 1,431%
2024 · €4k
2021: €22k
2022: €50k
2023: €38k
2024: €4k
2021 → 2025
Total assets
€100k▲ 81.2%
2024 · €55k
2021: €54k
2022: €119k
2023: €130k
2024: €55k
2021 → 2025
Net result
€64k
2024 · €-34k
2021: €26k
2022: €28k
2023: €-12k
2024: €-34k
2021 → 2025
Working capital
€58k
2024 · €-1k
2021: €4k
2022: €32k
2023: €24k
2024: €-1k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€50k▲ 130%€38k▼ 24.5%€4k▼ 88.3%€68k▲ 1,431%
Operating result€31k-€38k▲ 21.3%€-8k€-26k▼ 236%€83k
Net result€26k-€28k▲ 9.6%€-12k€-34k▼ 172%€64k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €83k after a loss of €26k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€10k▲ 50.9%
Current assets
€90k▲ 85.6%
Equity and liabilities €100k
Equity
€68k▲ 1,431%
Debt
€31k▼ 38.0%
The debt ratio falls from 91.9% to 31.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▲
2024 · €-23k
Cash flow
€66k▲
2024 · €-30k
Solvency
68.6%▲
2024 · 8.1%
Current ratio
2.85▲
2024 · 0.98
Quick ratio
2.85▲
2024 · 0.98
Debt / equity
0.46▼
2024 · 11.32
ROE
93.5%▲
2024 · -751.5%
ROA
64.1%▲
2024 · -61.0%
Interest coverage
6.48▲
2024 · -3.18
Debt
€31k▼
2024 · €51k
Debt ≤ 1 year
€31k▼
2024 · €49k
Income taxes
€5k
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€55k€100k▲
Fixed assets21/28€7k€10k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€678€2k▲
Financial fixed assets28€5k€7k▲
Current assets29/58€48k€90k▲
Amounts receivable within one year40/41€48k€78k▲
Trade receivables40€48k€73k▲
Other amounts receivable41-€6k
Deferred charges and accrued income490/1€449€11k▲
Equity and liabilities
Total equity and liabilities10/49€55k€100k▲
Equity10/15€4k€68k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€2k€66k▲
Amounts payable17/49€51k€31k▼
Amounts payable within one year42/48€49k€31k▼
Current portion of amounts payable after more than one year42€4k-
Financial debts43€15k€14k▼
Credit institutions430/8€15k€14k▼
Trade debts44€12k€3k▼
Suppliers440/4€12k€3k▼
Taxes, remuneration and social security45€18k€14k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9€9k€8k▼
Other amounts payable47/48€872-
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€8k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€680€1k▲
Non-recurring operating charges66A€250-
Gross operating margin9900€-14k€86k▲
Operating profit (loss)9901€-26k€83k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€7k€13k▲
Recurring financial charges65€7k€13k▲
Non-recurring financial charges66B-€150
Profit (loss) for the period before taxes9903€-34k€69k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€-34k€64k▲
Profit (loss) for the period to be appropriated9905€-34k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€66k▲
Profit (loss) brought forward from the previous period14P€36k€2k▼
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €64k
Net result €64k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.85
Current ratio from 0.98 to 2.85; short-term debt falls from €49k to €31k.
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 69 days late
2024
31-12
Financial
Weakest financial yearnet €-34k
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 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, Sint-Agatha-Berchem · 1 establishment unit since 2024
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.
Josse Goffinlaan 861082 Sint-Agatha-BerchemGround area
237 m²
Building footprint
80 m²
Volume, LiDAR
1,027 m³
Parcel 21342B0095/00W004, Brussels · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ELYD
since 20242.354.815.649
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0095/00W004 | Brussels | 237 m² | 1 · 80 m² | 15.8 m · 4 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.
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PGI CONSTRUIT
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ANCENA
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Of 4,270 companies in sector 43230 we hold annual accounts for 1,240. 1,040 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2020
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.