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Private limited companyfounded 201114 yrs activeRue de l'Hôtel Communal 136, 4420 Saint-Nicolas, BelgiumKBO/BCE: BE 0840.397.607
Summary

ENOSA 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 €573,994 and a net result of €83,774. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 88% of 8074 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals

1 signal. 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 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 d early
2024
10 d early
2023
15 d early
2022
5 d early
2021
49 d early
2020
3 d early
2019
29 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 16 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 19 October 2011, ENOSA was incorporated.1 Total assets went from EUR 466,455 in 2019 to EUR 636,025 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€573,994▲ 7.3%
2024 · €534,983
Net result
€83,774▲ 38.4%
2024 · €60,549
Total assets
€636,025▲ 0.5%
2024 · €632,902
Solvency
90.2%▲ 5.7pp
2024 · 84.5%
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€41,029▼ 10.3%€38,715▼ 5.6%€43,994▲ 13.6%€34,575▼ 21.4%€41,189▲ 19.1%
Net result€95,072above the sector's middle half▲ 27.2%€85,453above the sector's middle half▼ 10.1%€87,614above the sector's middle half▲ 2.5%€60,549within the sector's middle half▼ 30.9%€83,774above the sector's middle half▲ 38.4%
Equity€437,928above the sector's middle half▲ 21.7%€503,381above the sector's middle half▲ 14.9%€542,071above the sector's middle half▲ 7.7%€534,983above the sector's middle half▼ 1.3%€573,994above the sector's middle half▲ 7.3%
Total assets€489,634within the sector's middle half▲ 6.3%€545,365within the sector's middle half▲ 11.4%€617,393within the sector's middle half▲ 13.2%€632,902within the sector's middle half▲ 2.5%€636,025within the sector's middle half▲ 0.5%
Debt€51,706▼ 48.8%€41,984▼ 18.8%€75,322▲ 79.4%€97,918▲ 30.0%€62,031▼ 36.7%
Working capital€34,871€96,052▲ 175%€147,412▲ 53.5%€141,594▼ 3.9%€182,592▲ 29.0%
Solvency89.4%above the sector's middle half▲ 11.3pp92.3%above the sector's middle half▲ 2.9pp87.8%above the sector's middle half▼ 4.5pp84.5%above the sector's middle half▼ 3.3pp90.2%above the sector's middle half▲ 5.7pp
above within below the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€25,000€50,000€75,000€100,000Operating result 2021: €41,029€41,029Net result 2021: €95,072€95,072Operating result 2022: €38,715€38,715Net result 2022: €85,453€85,453Operating result 2023: €43,994€43,994Net result 2023: €87,614€87,614Operating result 2024: €34,575€34,575Net result 2024: €60,549€60,549Operating result 2025: €41,189€41,189Net result 2025: €83,774€83,77420212022202320242025€0€25,000€50,000€75,000€100,000Operating result 2023: €43,994€44,000Net result 2023: €87,614€87,600Operating result 2024: €34,575€34,600Net result 2024: €60,549€60,500Operating result 2025: €41,189€41,200Net result 2025: €83,774€83,800202320242025
The operating result recovers in 2025; 2025 is 19% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €636,025
Fixed assets €405,049 ▼ 0.5%
Current assets €230,976 ▲ 2.2%
Equity and liabilities €636,025
Equity €573,994 ▲ 7.3%
Debt €62,031 ▼ 36.7%
Debt's share of the balance-sheet total falls from 15.5% to 9.8%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
ROE
14.6%▲
2024 · 11.3%
ROA
13.2%▲
2024 · 9.6%
Debt ≤ 1 year
€48,384▼
2024 · €84,390
Debt > 1 year
€13,529=
2024 · €13,529
Income taxes
€19,818▲
2024 · €11,929
Staff costs
€2,170▲
2024 · €1,978
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet Code20242025
Assets
Total assets20/58€632,902€636,025▲
Fixed assets21/28€406,918€405,049▼
Tangible fixed assets22/27€6,918€5,049▼
Furniture and vehicles24€6,918€5,049▼
Financial fixed assets28€400,000€400,000=
Current assets29/58€225,984€230,976▲
Amounts receivable within one year40/41€51,907€16,527▼
Trade receivables40€7,406€16,527▲
Other amounts receivable41€44,501-
Current investments50/53€168,958€208,271▲
Cash at bank and in hand54/58€2,718€3,410▲
Deferred charges and accrued income490/1€2,400€2,768▲
Equity and liabilities
Total equity and liabilities10/49€632,902€636,025▲
Equity10/15€534,983€573,994▲
Contributions10/11€25,000€25,000=
Outside capital11€25,000€25,000=
Other1109/19€25,000€25,000=
Reserves13€258,788€297,799▲
Non-distributable reserves130/1€2,500€2,500=
Reserves not available under the articles1311€2,500€2,500=
Distributable reserves133€256,288€295,299▲
Profit (loss) carried forward14€251,196€251,195=
Amounts payable17/49€97,918€62,031▼
Amounts payable after more than one year17€13,529€13,529=
Financial debts170/4€13,529€13,529=
Amounts payable within one year42/48€84,390€48,384▼
Current portion of amounts payable after more than one year42€1,539€1,539=
Trade debts44€9,703€14,460▲
Suppliers440/4€9,703€14,460▲
Taxes, remuneration and social security45€5,511€5,419▼
Taxes450/3€5,511€5,419▼
Other amounts payable47/48€67,636€26,966▼
Accrued charges and deferred income492/3-€118
Income statement Code20242025
Remuneration, social security and pensions62€1,978€2,170▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,817€1,869▲
Other operating charges640/8€906€548▼
Gross operating margin9900€39,276€45,776▲
Operating profit (loss)9901€34,575€41,189▲
Financial income75/76B€41,237€67,163▲
Recurring financial income75€41,237€67,163▲
Financial charges65/66B€3,334€4,760▲
Recurring financial charges65€3,334€4,760▲
Profit (loss) for the period before taxes9903€72,478€103,592▲
Income taxes67/77€11,929€19,818▲
Profit (loss) for the period9904€60,549€83,774▲
Profit (loss) for the period to be appropriated9905€60,549€83,774▲
Appropriation of the result
Profit (loss) to be appropriated9906€310,544€334,969▲
Profit (loss) brought forward from the previous period14P€249,996€251,195▲
Transfer from equity791/2€26,287€44,763▲
Transfer to equity691/2€18,000€83,774▲
To other reserves6921€18,000€83,774▲
Profit to be distributed694/7€67,636€44,763▼
Return on contributions (dividend)694€67,636€44,763▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Remuneration, social security and pensions62-€2,420€2,554€1,978€2,170▲ 9.7%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€910€929€245€1,817€1,869▲ 2.9%
Other operating charges640/8-€419€2,615€906€548▼ 39.5%
Gross operating margin9900€44,696€42,483€49,408€39,276€45,776▲ 16.5%
Operating profit (loss)9901€41,029€38,715€43,994€34,575€41,189▲ 19.1%
Financial income75/76B-€65,661€62,501€41,237€67,163▲ 62.9%
Recurring financial income75€75,383€65,661€62,501€41,237€67,163▲ 62.9%
Financial charges65/66B-€1,478€1,311€3,334€4,760▲ 42.8%
Recurring financial charges65€2,604€1,478€1,311€3,334€4,760▲ 42.8%
Profit (loss) for the period before taxes9903€113,807€102,898€105,184€72,478€103,592▲ 42.9%
Income taxes67/77€18,735€17,445€17,570€11,929€19,818▲ 66.1%
Profit (loss) for the period9904€95,072€85,453€87,614€60,549€83,774▲ 38.4%
Profit (loss) for the period to be appropriated9905€95,072€85,453€87,614€60,549€83,774▲ 38.4%
Line20212022202320242025Change
Assets
Total assets20/58€489,634€545,365€617,393€632,902€636,025▲ 0.5%
Fixed assets21/28€403,058€407,329€408,187€406,918€405,049▼ 0.5%
Tangible fixed assets22/27€3,058€7,329€8,187€6,918€5,049▼ 27.0%
Furniture and vehicles24-€7,329€8,187€6,918€5,049▼ 27.0%
Financial fixed assets28€400,000€400,000€400,000€400,000€400,000=
Current assets29/58€86,576€138,036€209,205€225,984€230,976▲ 2.2%
Amounts receivable within one year40/41€6,658€16,330€62,302€51,907€16,527▼ 68.2%
Trade receivables40--€8,976€7,406€16,527▲ 123%
Other amounts receivable41-€16,330€53,326€44,501--
Current investments50/53€74,968€117,942€144,049€168,958€208,271▲ 23.3%
Cash at bank and in hand54/58€4,578€1,921€435€2,718€3,410▲ 25.4%
Deferred charges and accrued income490/1-€1,843€2,421€2,400€2,768▲ 15.3%
Equity and liabilities
Total equity and liabilities10/49€489,634€545,365€617,393€632,902€636,025▲ 0.5%
Equity10/15€437,928€503,381€542,071€534,983€573,994▲ 7.3%
Contributions10/11-€25,000€25,000€25,000€25,000=
Outside capital11-€25,000€25,000€25,000€25,000=
Other1109/19-€25,000€25,000€25,000€25,000=
Reserves13€162,933€228,386€267,075€258,788€297,799▲ 15.1%
Non-distributable reserves130/1-€2,500€2,500€2,500€2,500=
Reserves not available under the articles1311-€2,500€2,500€2,500€2,500=
Distributable reserves133-€225,886€264,575€256,288€295,299▲ 15.2%
Profit (loss) carried forward14€249,996€249,996€249,996€251,196€251,195=
Amounts payable17/49€51,706€41,984€75,322€97,918€62,031▼ 36.7%
Amounts payable after more than one year17--€13,529€13,529€13,529=
Financial debts170/4--€13,529€13,529€13,529=
Amounts payable within one year42/48€51,706€41,984€61,793€84,390€48,384▼ 42.7%
Current portion of amounts payable after more than one year42-€15,028€1,536€1,539€1,539=
Trade debts44€536€4,462€8,857€9,703€14,460▲ 49.0%
Suppliers440/4-€4,462€8,857€9,703€14,460▲ 49.0%
Taxes, remuneration and social security45-€8,494€2,476€5,511€5,419▼ 1.7%
Taxes450/3-€8,494€2,476€5,511€5,419▼ 1.7%
Other amounts payable47/48-€14,000€48,924€67,636€26,966▼ 60.1%
Accrued charges and deferred income492/3----€118-
Line20212022202320242025Change
Profit (loss) for the period9904€95,072€85,453€87,614€60,549€83,774▲ 38.4%
+ Depreciation and write-downs630€910€929€245€1,817€1,869▲ 2.9%
Operating cash flow (approximation)€95,982€86,382€87,859€62,366€85,643▲ 37.3%
Investment in fixed assets (approximation)--€5,200-€1,104-€548€0▲ 100%
Change in cash--€2,657-€1,487€2,284€692▼ 69.7%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2026
29-01
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
21-01
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial Weakest financial yearnet €60,549 ▼30.9%
Net result drops to €60,549, the lowest in the series; recovery starts the following year.
16-01
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
26-01
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial Equity above €500,000Eq €503,381 ▲14.9%
4 profitable years in a row build equity to €503,381.
2021
13-12
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial Highest result since 2019net €95,072 ▲27.2%
Net result €95,072, the highest in the series.
30-06
Financial Liquidity doublescurrent ratio 1.67
Current ratio from 0.70 to 1.67; short-term debt falls from €81,496 to €51,706.
28-01
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
02-01
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
14-01
NBB filing Annual accounts filed
fiscal year 2018 · full schema
2017
21-12
NBB filing Annual accounts filed
fiscal year 2017 · full schema
2016
14-12
NBB filing Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Saint-Nicolas · 1 establishment unit since 2011
seat establishment The establishment unit on the map
Ground area
148 m²
Building footprint
17 m²
Volume, LiDAR
61 m³
Parcel 62093A0145/00H006, Wallonia · tallest building 5.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ENOSA
Rue de l'Hôtel Communal 136, 4420 Saint-NicolasHoldings
since 20112.203.830.003
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62093A0145/00H006 Wallonia 148 m² 1 · 17 m² 5.0 m · 1 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 30-06-2024 list no shareholders, and no other source names one.

Holdings 1

According to the annual accounts to 30-06-2024 of ENOSA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,522 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded19-10-2011
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID 0208:0840397607
Registered 15-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.