ENDOHOLIC
ActiveENDOHOLIC has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €158k and a net result of €17k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 46% of 16426 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+3
Solvency83▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.12 in 2024; short-term debt: 15.2% and cash: 20.2% of total assets), and 41.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
58.3%
Return on assets
6.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-05-2026, 90 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
90 d early
2024
89 d early
2023
86 d early
2022
84 d early
2021
85 d early
2020
89 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€158k▲ 12.0%
2024 · €141k
2020: €54k
2021: €77k
2022: €110k
2023: €129k
2024: €141k
2020 → 2025
Total assets
€271k▼ 1.7%
2024 · €276k
2020: €87k
2021: €97k
2022: €184k
2023: €284k
2024: €276k
2020 → 2025
Net result
€17k▲ 34.2%
2024 · €13k
2020: €49k
2021: €23k
2022: €33k
2023: €19k
2024: €13k
2020 → 2025
Working capital
€17k▲ 257%
2024 · €5k
2020: €31k
2021: €64k
2022: €88k
2023: €7k
2024: €5k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€110k▲ 43.1%€129k▲ 17.0%€141k▲ 9.8%€158k▲ 12.0%
Operating result€36k-€44k▲ 23.2%€44k▼ 0.5%€21k▼ 51.8%€26k▲ 25.6%
Net result€23k-€33k▲ 42.8%€19k▼ 43.6%€13k▼ 32.5%€17k▲ 34.2%
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 26% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €271k
Fixed assets
€213k▼ 7.5%
Current assets
€58k▲ 27.5%
Equity and liabilities €271k
Equity
€158k▲ 12.0%
Debt
€113k▼ 16.1%
The debt ratio falls from 48.8% to 41.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▲
2024 · €38k
Cash flow
€34k▲
2024 · €30k
Solvency
58.3%▲
2024 · 51.2%
Current ratio
1.41▲
2024 · 1.12
Quick ratio
1.41▲
2024 · 1.12
Debt / equity
0.71▼
2024 · 0.95
ROE
10.7%▲
2024 · 8.9%
ROA
6.2%▲
2024 · 4.6%
Interest coverage
14.76▲
2024 · 11.19
Debt
€113k▼
2024 · €135k
Debt ≤ 1 year
€41k▲
2024 · €41k
Debt > 1 year
€72k▼
2024 · €94k
Income taxes
€7k▲
2024 · €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€276k€271k▼
Fixed assets21/28€230k€213k▼
Tangible fixed assets22/27€230k€213k▼
Land and buildings22€185k€183k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€42k€27k▼
Current assets29/58€46k€58k▲
Amounts receivable within one year40/41€4€3k▲
Other amounts receivable41€4€3k▲
Cash at bank and in hand54/58€34k€55k▲
Deferred charges and accrued income490/1€11k-
Equity and liabilities
Total equity and liabilities10/49€276k€271k▼
Equity10/15€141k€158k▲
Contributions10/11€5k€5k=
Capital10€5k€5k=
Issued capital100€5k€5k=
Reserves13€136k€153k▲
Distributable reserves133€136k€153k▲
Amounts payable17/49€135k€113k▼
Amounts payable after more than one year17€94k€72k▼
Financial debts170/4€94k€72k▼
Amounts payable within one year42/48€41k€41k▲
Current portion of amounts payable after more than one year42€22k€22k▲
Other amounts payable47/48€19k€19k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▲
Other operating charges640/8€539€7k▲
Gross operating margin9900€39k€50k▲
Operating profit (loss)9901€21k€26k▲
Financial income75/76B€207€216▲
Recurring financial income75€207€216▲
Non-recurring financial income76B€207€216▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Non-recurring financial charges66B€3k€3k▼
Profit (loss) for the period before taxes9903€18k€24k▲
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€13k€17k▲
Profit (loss) for the period to be appropriated9905€13k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€17k▲
Transfer to equity691/2€13k€17k▲
To other reserves6921€13k€17k▲
The notes to these accounts (4 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
02-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €158k ▲12%
6 profitable years in a row build equity to €158k.
03-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €13k ▼32.5%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
06-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €110k ▲43.1%
3 profitable years in a row build equity to €110k.
07-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 4.18
Current ratio from 1.97 to 4.18; short-term debt falls from €32k to €20k.
03-05
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Hamont-Achel · 2 establishment units since 2020
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.
Papekamp 63930 Hamont-AchelGround area
1,436 m²
Building footprint
497 m²
Volume, LiDAR
4,149 m³
2 parcels, Flanders · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Papekamp 6, 3930 Hamont-Achel
since 20202.297.979.983
Stad 15, 3930 Hamont-Achel
since 20202.297.980.181
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72012B0032/00M000 | Flanders | 806 m² | 1 · 346 m² | 15.4 m · 4 fl. |
| 72012A1154/00Z000 | Flanders | 630 m² | 1 · 150 m² | - |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 264 EUR awarded · 264 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 42 EUR |
| 2024 | 1 | 144 EUR | 102 EUR |
| 2023 | 1 | 120 EUR | 120 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 6,938 companies in sector 86230 we hold annual accounts for 4,288. 3,806 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2020
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bvendoholic@gmail.com