Engelbewaarder
ActiveEngelbewaarder has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €4.35M and a net result of €641k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 65% of 615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability82▲+8
Solvency95▲+3
Growth66=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €370k at 30 days acceptable
Liquidity ample (current ratio 2.63 against 1.96 in 2023; short-term debt: 14% and cash: 9% of total assets), and 29.8% 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 88
Relative position
BE, all sectors
reference
Sector 88
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 2024Solvency, return and age of the figures
Solvency
70.2%
Return on assets
10.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-07-2025, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
20 d early
2023
40 d early
2022
32 d early
2021
26 d early
2020
16 d early
2019
18 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Turnover
€1.37M▲ 2.5%
2021 · €1.34M
2021: €1.34M
2021 → 2022
EBIT margin
15.8%▼ 5.7pp
2021 · 21.5%
2021: 21.5%
2021 → 2022
Net result
€641k▲ 189%
2023 · €221k
2018: €94k
2019: €139k
2020: €220k
2021: €262k
2022: €194k
2023: €221k
2018 → 2024
Working capital
€1.42M▲ 85.6%
2023 · €763k
2018: €-28k
2019: €-4k
2020: €125k
2021: €408k
2022: €572k
2023: €763k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€1.34M€1.37M▲ 2.5%
Equity€3.30M-€3.50M▲ 5.9%€3.62M▲ 3.6%€3.78M▲ 4.3%€4.35M▲ 15.2%
Operating result€236k-€288k▲ 21.8%€217k▼ 24.5%€243k▲ 11.8%€639k▲ 163%
Net result€220k-€262k▲ 19.3%€194k▼ 26.1%€221k▲ 14.3%€641k▲ 189%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 163% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €6.20M
Fixed assets
€3.92M▼ 4.3%
Current assets
€2.28M▲ 46.3%
Equity and liabilities €6.20M
Equity
€4.35M▲ 15.2%
Debt
€1.85M▼ 1.4%
The debt ratio falls from 33.1% to 29.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€885k▲
2023 · €482k
Cash flow
€887k▲
2023 · €461k
Solvency
70.2%▲
2023 · 66.9%
Current ratio
2.63▲
2023 · 1.96
Quick ratio
2.63▲
2023 · 1.96
Debt / equity
0.42▼
2023 · 0.50
ROE
14.7%▲
2023 · 5.9%
ROA
10.3%▲
2023 · 3.9%
Interest coverage
44.98▲
2023 · 22.33
Debt
€1.85M▼
2023 · €1.87M
Debt ≤ 1 year
€868k▲
2023 · €799k
Debt > 1 year
€970k▼
2023 · €1.07M
Staff costs
€2.90M▲
2023 · €2.67M
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€5.65M€6.20M▲
Fixed assets21/28€4.09M€3.92M▼
Tangible fixed assets22/27€4.09M€3.92M▼
Land and buildings22€3.98M€3.81M▼
Furniture and vehicles24€114k€105k▼
Current assets29/58€1.56M€2.28M▲
Amounts receivable within one year40/41€247k€482k▲
Trade receivables40€227k€414k▲
Other amounts receivable41€20k€68k▲
Current investments50/53€900k€1.23M▲
Cash at bank and in hand54/58€408k€557k▲
Deferred charges and accrued income490/1€7k€20k▲
Equity and liabilities
Total equity and liabilities10/49€5.65M€6.20M▲
Equity10/15€3.78M€4.35M▲
Contributions10/11-€198k
Capital10-€198k
Reserves13-€513k
Profit (loss) carried forward14€2.19M€2.32M▲
Investment grants15€1.39M€1.32M▼
Amounts payable17/49€1.87M€1.85M▼
Amounts payable after more than one year17€1.07M€970k▼
Financial debts170/4€1.01M€931k▼
Other amounts payable178/9€61k€39k▼
Amounts payable within one year42/48€799k€868k▲
Current portion of amounts payable after more than one year42€102k€104k▲
Trade debts44€94k€111k▲
Suppliers440/4€94k€111k▲
Taxes, remuneration and social security45€506k€547k▲
Taxes450/3€67k€74k▲
Remuneration and social security454/9€439k€474k▲
Accrued charges and deferred income492/3€1k€10k▲
Income statement
Code20232024
Non-recurring operating income76A€45k€44k▼
Remuneration, social security and pensions62€2.67M€2.90M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€240k€246k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€1k▼
Other operating charges640/8€8k€6k▼
Non-recurring operating charges66A€15k€19k▲
Gross operating margin9900€3.18M€3.81M▲
Operating profit (loss)9901€243k€639k▲
Financial income75/76B€163€21k▲
Recurring financial income75€163€21k▲
Financial charges65/66B€22k€20k▼
Recurring financial charges65€22k€20k▼
Profit (loss) for the period before taxes9903€221k€641k▲
Profit (loss) for the period9904€221k€641k▲
Profit (loss) for the period to be appropriated9905€221k€641k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.19M€2.83M▲
Profit (loss) brought forward from the previous period14P€1.97M€2.19M▲
To contributions691-€513k
Social balance
Average headcount (FTE)908749.455.5▲
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
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €641k ▲189%
Operating result €639k, net result €641k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
24-06
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, Izegem · 10 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.
Ommegangstraat 418870 IzegemGround area
2.5 ha
Building footprint
3,813 m²
Volume, LiDAR
43,877 m³
10 parcels, Flanders · tallest building 28.5 m, ±4 floors. Linked by address, not a title deed.
10 establishment units
Engelbewaarder
since 20062.150.823.758
de marientjes
since 20122.206.128.903
Koetje Boe
since 20152.242.408.584
Het Snoezelhuisje
since 20152.242.408.881
Villa Kakelbont
since 20152.242.409.079
Bambino
since 20202.297.324.838
Show 4 more locations
Het Snoezelhoekje
since 20242.362.313.155
Wonderland
since 20252.372.376.510
Kleine Wereld
since 20252.374.788.048
inimini XL
since 20252.380.380.196
10 parcels
Flanders
10
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36493B0905/00C000 | Flanders | 1.4 ha | 1 · 152 m² | 7.9 m · 2 fl. |
| 36494E1299/00F000 | Flanders | 6,830 m² | 1 · 2,390 m² | 28.5 m · 2 fl. |
| 38016A0048/00V054 | Flanders | 786 m² | - | - |
| 34025C0184/00W003 | Flanders | 548 m² | - | - |
| 34025C0093/00A002 | Flanders | 531 m² | 1 · 470 m² | 14.3 m · 4 fl. |
| 34025B0109/00Y005 | Flanders | 500 m² | 1 · 172 m² | 10.5 m · 2 fl. |
| 36008A0686/00N002 | Flanders | 385 m² | 1 · 272 m² | 10.6 m · 2 fl. |
| 36008A0896/00D000 | Flanders | 340 m² | 1 · 178 m² | 14.8 m · 3 fl. |
| 37322B0678/00E002 | Flanders | 138 m² | 1 · 88 m² | 8.5 m · 2 fl. |
| 36008A0645/00R002 | Flanders | 123 m² | 1 · 91 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 9
10 of 10 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
2022 to 2025 · 28 entries · 12,989,200 EUR awarded · 12,986,385 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 8 | 3,912,878 EUR | 3,912,339 EUR |
| 2024 | 6 | 3,340,125 EUR | 3,348,431 EUR |
| 2023 | 7 | 2,967,560 EUR | 2,956,978 EUR |
| 2022 | 7 | 2,768,637 EUR | 2,768,637 EUR |
Schemes
Subsidies voorschoolse kinderopvang
Subsidies buitenschoolse kinderopvang
Subsidie aan instellingen in het beleidsdomein Welzijn, Volksgezondheid en Gezin voor de tussenkomst in de energiekost in 2023
Individueel Maatwerk
Erkenning en subsidiëring lokale diensteneconomie-onderneming (stopgezet)
Show 6 more
Subsidies jeugdhulp
Premie kwalificerend werkplekleren
Subsidies preventieve gezinsondersteuning
Jongerenbonus
Erkenning en subsidiëring als maatwerkafdeling
Inkomenstarief kinderopvang
Recognitions · licences · registrations
Food safety, FASFC
10 sitesIzegem2.150.823.758
Izegem2.242.408.584
Izegem2.297.324.838
Izegem2.372.376.510
Show 6 more sites
Izegem2.374.788.048
Lendelede2.242.408.881
Lendelede2.362.313.155
Lendelede2.380.380.196
Nieuwpoort2.206.128.903
Tielt2.242.409.079
Care and welfare
105 services · 26 live't Filoetje
't muizenestje
Bambino
De Bel Marijke
Show 101 more services
De Bloementuin
De Marientjes
De Ruyck Ria en Vandenbroele Christ
De Smurfjes
De Vlindertuin
Engelbewaarder
Het kinderhuisje
Het Snoezelhoekje
Het Uilennestje
Inimini XL
Kiki Boe
Kleine Wereld
Koetje Boe
Poeh
Sanida Kijamet
SINE-project-391-Engelbewaarder
Snoezelhuisje
Sofie's kinderopvang
Verschatse Jessy
Villa Kakelbont
werknemersstatuut onthaalouders
Wonderland
' t krekeltje
't Filoetje
't Fopspeentje
't Kabouterbos
't Kangoeroetje
't Kapoentje
't Krekeltje
't Okkernootje
8ter school
Alles Kidzz
BKO De Marientjes
BKO De Marientjes
BKO De Marientjes
Bo
Bo
Bourgeois Karoline
Buyse Samantha
Casier Nele
Cordenier Ines
De Bel Mieke
De Buidelbeertjes
De Kastaarkes
De kleine handjes
De kleine handjes
De Marientjes
De Molboerderij
De Molboerderij
De Molboerderij
De onderwaterwereld
De ooievaar
De ooievaar
De Pluktuin
De Pluktuin
De Speelrups
De Speelrups
De vijf
Decramer Sinka
Delombaerde Carine
Delombaerde Carine en Spiessens Femke
Demasure Annelies
Elke Commeene
Engelbewaarder
Engelbewaarder
Engeltje Bengeltje
FCUD-project-1156-5
Fieloe
Fieloe
GMV Izegem
Het Knuffelnestje
Het Uilennestje
Het Uilennestje
Hoste Ilse
Inimini
Kiki's huisje
Nemo
Nijntje
Pitoetje
Pitoetje
Repelsteeltje
Seynhaeve Lies
Snoezelhuisje
Sofie
Sofie Coolen
Speelhuis
Speelhuis
Spiessens Maaike
Spiessens Maaike en Devos Sandrino
Spruitjesland
Tack Maureen
Tante Femke
Tinkerbel
Ukkepuk
Van Damme Carmen
Vanderstraeten Sherley
Villa Kakelbont
Villa Kakelbont
Visse Sandra
Wonderland
Woody
Dual-learning approval
6 live approvals · 5 endedBasiszorg en ondersteuning duaal (so)
Basiszorg en ondersteuning duaal (so)
Basiszorg en ondersteuning duaal (so)
Kinderbegeleider duaal (so)
Kinderbegeleider duaal (so)
Kinderbegeleider duaal (so)
Similar companies · same sector, comparable size
Kinderdagverblijf Familia
BE 0461.401.779
Genk · Eq €4.55M
De Ukkies
BE 0412.729.654
Hasselt · Eq €4.00M
EMANUELA
BE 0475.623.167
Antwerpen · Eq €3.91M
BLYDHOVE
BE 0420.461.346
Brugge · Eq €3.91M
Kinderrijk
BE 0411.097.183
Leuven · Eq €4.87M
Of 1,590 companies in sector 88911 we hold annual accounts for 706. 196 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded14-05-1998
Fiscal year end31-12
Activities, NACEBEL
85321
88911Day nurseries and crèches
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.