ENCOS
ActiveSummary
ENCOS has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €199k and a net result of €28k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 33% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+3
Solvency63=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 3.3 in 2024; short-term debt: 15.6% and cash: 5.3% of total assets), but 62.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
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
37.8%
Return on assets
5.3%
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
120 d late
2022
70 d late
2021
18 d late
2020
44 d early
2019
24 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€199k▼ 8.1%
2024 · €217k
2018: €168k
2019: €186k
2020: €224k
2021: €176k
2022: €158k
2023: €202k
2024: €217k
2018 → 2025
Total assets
€527k▼ 6.6%
2024 · €565k
2018: €241k
2019: €214k
2020: €253k
2021: €248k
2022: €230k
2023: €267k
2024: €565k
2018 → 2025
Net result
€28k▲ 89.4%
2024 · €15k
2018: €21k
2019: €17k
2020: €39k
2021: €47k
2022: €14k
2023: €44k
2024: €15k
2018 → 2025
Working capital
€84k▼ 43.9%
2024 · €150k
2018: €161k
2019: €181k
2020: €202k
2021: €127k
2022: €112k
2023: €168k
2024: €150k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€176k-€158k▼ 10.2%€202k▲ 28.0%€217k▲ 7.2%€199k▼ 8.1%
Operating result€56k-€22k▼ 61.4%€71k▲ 224%€8k▼ 88.5%€35k▲ 331%
Net result€47k-€14k▼ 69.2%€44k▲ 208%€15k▼ 66.9%€28k▲ 89.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 331% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €527k
Fixed assets
€361k ▲ 3.4%
Current assets
€167k ▼ 22.7%
Equity and liabilities €527k
Equity
€199k ▼ 8.1%
Debt
€328k ▼ 5.7%
Debt's share of the balance-sheet total rises from 61.6% to 62.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€63k▲
2024 · €27k
Cash flow
€56k▲
2024 · €34k
Current ratio
2.02▼
2024 · 3.30
Debt to equity
1.64▲
2024 · 1.60
ROE
13.9%▲
2024 · 6.7%
ROA
5.3%▲
2024 · 2.6%
Interest coverage
6.10▼
2024 · 9.31
Debt ≤ 1 year
€82k▲
2024 · €65k
Debt > 1 year
€246k▼
2024 · €282k
Income taxes
€13k▲
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€565k€527k▼
Fixed assets21/28€349k€361k▲
Tangible fixed assets22/27€349k€361k▲
Land and buildings22€289k€281k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€15k€12k▼
Leasing and similar rights25€29k€21k▼
Other tangible fixed assets26€13k€45k▲
Current assets29/58€216k€167k▼
Amounts receivable within one year40/41€74k€63k▼
Trade receivables40€27k€30k▲
Other amounts receivable41€46k€33k▼
Current investments50/53€100k€75k▼
Cash at bank and in hand54/58€43k€28k▼
Equity and liabilities
Total equity and liabilities10/49€565k€527k▼
Equity10/15€217k€199k▼
Contributions10/11€6k€6k=
Reserves13€211k€193k▼
Tax-exempt reserves132€121€121=
Distributable reserves133€211k€193k▼
Amounts payable17/49€348k€328k▼
Amounts payable after more than one year17€282k€246k▼
Financial debts170/4€282k€246k▼
Amounts payable within one year42/48€65k€82k▲
Current portion of amounts payable after more than one year42€35k€37k▲
Trade debts44€3k€16k▲
Suppliers440/4€3k€16k▲
Taxes, remuneration and social security45€27k€30k▲
Taxes450/3€27k€30k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€28k▲
Other operating charges640/8€37k€15k▼
Gross operating margin9900€65k€78k▲
Operating profit (loss)9901€8k€35k▲
Financial income75/76B€17k€16k▼
Recurring financial income75€17k€16k▼
Financial charges65/66B€3k€10k▲
Recurring financial charges65€3k€10k▲
Profit (loss) for the period before taxes9903€22k€41k▲
Income taxes67/77€7k€13k▲
Profit (loss) for the period9904€15k€28k▲
Profit (loss) for the period to be appropriated9905€15k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€28k▲
Transfer from equity791/2-€45k
Transfer to equity691/2€15k€28k▲
To other reserves6921€15k€28k▲
Profit to be distributed694/7-€45k
Return on contributions (dividend)694-€45k
The notes to these accounts (13 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
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 120 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 5.25
Current ratio from 2.56 to 5.25; short-term debt falls from €72k to €39k.
31-12
Financial
Equity above €200kEq €202k ▲28%
6 profitable years in a row build equity to €202k.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet €14k ▼69.2%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-12
Financial
Highest result since 2018net €47k ▲21%
Net result €47k, the highest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €224k ▲20.7%
3 profitable years in a row build equity to €224k.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
Show earlier events
2019
31-12
Financial
Liquidity doublescurrent ratio 7.44
Current ratio from 3.22 to 7.44; short-term debt falls from €73k to €28k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Aartselaar · 2 establishment units since 2006
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.
John F. Kennedylaan 12630 AartselaarGround area
1,087 m²
Building footprint
435 m²
Volume, LiDAR
2,949 m³
2 parcels, Flanders · tallest building 12.8 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
ENCOS
since 20062.151.352.409
ENCOS
since 20252.382.786.786
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001B0108/00D006 | Flanders | 780 m² | 1 · 190 m² | 6.8 m · 1 fl. |
| 38502G0476/00_000 | Flanders | 307 m² | 1 · 245 m² | 12.8 m · 4 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.
Similar companies · same sector, comparable size
DIGIVERSE
BE 0779.461.415
Vilvoorde · Eq €199,403
VICTRON
BE 0457.124.871
Putte · Eq €199,442
ALTA
BE 0418.181.846
Sint-Gillis (bij-Brussel) · Eq €199,452
BEA
BE 0756.891.889
Sint-Niklaas · Eq €199,291
Ferrodem
BE 0804.084.369
Lichtervelde · Eq €199,513
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 14,777 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2005
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.