ENCY HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.99M and a net result of €243k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 68% of 5511 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 24-12-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
50 d early
2023
62 d early
2022
84 d early
2021
54 d early
2020
41 d early
2019
45 d early
← 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 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.99M▲ 6.5%
2024 · €3.75M
2019: €3.34M
2020: €3.49M
2021: €3.50M
2022: €3.61M
2023: €3.73M
2024: €3.75M
2019 → 2025
Net result
€243k▲ 1,017%
2024 · €22k
2019: €1.29M
2020: €153k
2021: €10k
2022: €115k
2023: €117k
2024: €22k
2019 → 2025
Total assets
€5.65M▼ 4.2%
2024 · €5.90M
2019: €8.15M
2020: €7.43M
2021: €6.49M
2022: €6.49M
2023: €6.15M
2024: €5.90M
2019 → 2025
Solvency
70.7%▲ 7.1pp
2024 · 63.6%
2019: 40.9%
2020: 46.9%
2021: 53.9%
2022: 55.6%
2023: 60.7%
2024: 63.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.50M-€3.61M▲ 3.3%€3.73M▲ 3.2%€3.75M▲ 0.6%€3.99M▲ 6.5%
Operating result€64k-€221k▲ 247%€285k▲ 28.8%€119k▼ 58.2%€426k▲ 258%
Net result€10k-€115k▲ 1,100%€117k▲ 2.1%€22k▼ 81.4%€243k▲ 1,017%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 258% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.65M
Fixed assets
€5.10M▼ 8.2%
Current assets
€549k▲ 59.1%
Equity and liabilities €5.65M
Equity
€3.99M▲ 6.5%
Provisions
€315k▼ 7.5%
Debt
€1.34M▼ 25.8%
The debt ratio falls from 30.6% to 23.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
70.7%▲
2024 · 63.6%
ROE
6.1%▲
2024 · 0.6%
ROA
4.3%▲
2024 · 0.4%
Debt
€1.34M▼
2024 · €1.81M
Debt ≤ 1 year
€896k▼
2024 · €1.10M
Debt > 1 year
€444k▼
2024 · €710k
Income taxes
€162k▲
2024 · €45k
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€5.90M€5.65M▼
Fixed assets21/28€5.55M€5.10M▼
Tangible fixed assets22/27€5.50M€5.04M▼
Land and buildings22€4.88M€4.46M▼
Plant, machinery and equipment23€1k€952▼
Furniture and vehicles24€117k€108k▼
Other tangible fixed assets26€497k€471k▼
Financial fixed assets28€57k€57k=
Current assets29/58€345k€549k▲
Amounts receivable within one year40/41€331k€546k▲
Trade receivables40€6k-
Other amounts receivable41€325k€546k▲
Cash at bank and in hand54/58€7k€564▼
Deferred charges and accrued income490/1€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€5.90M€5.65M▼
Equity10/15€3.75M€3.99M▲
Contributions10/11€20k€20k=
Reserves13€2.16M€2.40M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€1.36M€1.26M▼
Distributable reserves133€793k€1.14M▲
Profit (loss) carried forward14€1.58M€1.58M=
Provisions and deferred taxes16€340k€315k▼
Deferred taxes168€340k€315k▼
Amounts payable17/49€1.81M€1.34M▼
Amounts payable after more than one year17€710k€444k▼
Financial debts170/4€710k€444k▼
Amounts payable within one year42/48€1.10M€896k▼
Current portion of amounts payable after more than one year42€707k€740k▲
Trade debts44€986€1k▲
Suppliers440/4€986€1k▲
Taxes, remuneration and social security45€40€52k▲
Taxes450/3€40€52k▲
Other amounts payable47/48€388k€103k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€453k€465k▲
Other operating charges640/8€13k€14k▲
Non-recurring operating charges66A-€21k
Gross operating margin9900€584k€926k▲
Operating profit (loss)9901€119k€426k▲
Financial income75/76B€16€0▼
Recurring financial income75€16€0▼
Financial charges65/66B€78k€46k▼
Recurring financial charges65€78k€46k▼
Profit (loss) for the period before taxes9903€41k€380k▲
Transfer from deferred taxes780€26k€26k=
Income taxes67/77€45k€162k▲
Profit (loss) for the period9904€22k€243k▲
Transfer from tax-exempt reserves789€102k€102k=
Profit (loss) for the period to be appropriated9905€124k€345k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.70M€1.92M▲
Profit (loss) brought forward from the previous period14P€1.58M€1.58M=
Transfer to equity691/2€124k€345k▲
To other reserves6921€124k€345k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (11 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
2025
24-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
08-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Weakest financial yearnet €10k ▼93.8%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Liquidity times 7current ratio 1.78
Current ratio from 0.26 to 1.78; short-term debt falls from €943k to €473k.
2019
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
24-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
15-03
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
5 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, Schilde · 1 establishment unit since 2002
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.
De Zevenster 22970 SchildeGround area
2,092 m²
Building footprint
204 m²
Volume, LiDAR
1,224 m³
Parcel 11041C0289/00K000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Zevenster 2, 2970 Schilde
since 20022.095.997.576
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041C0289/00K000 | Flanders | 2,092 m² | 1 · 204 m² | 9.3 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
I-MAGIX
BE 0633.571.336
Tournai · Eq €3.99M
FRONT PARTNERS
BE 0882.624.576
Watermaal-Bosvoorde · Eq €4.00M
Dentco
BE 0552.729.259
Sint-Martens-Latem · Eq €3.99M
TAFCO
BE 0404.752.096
Antwerpen · Eq €4.00M
HOTEL BONKA
BE 1015.337.305
Herent · Eq €4.00M
Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 8,836 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2002
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.