Ensemble
ActiveSummary
Ensemble has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.88M and a net result of €-72k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 84% of 533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 1.98 against 3.12 in 2024; short-term debt: 19.8% and cash: 24.6% of total assets), and 24.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 87
Relative position
BE, all sectors
reference
Sector 87
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
75.2%
Return on assets
-2.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-72k
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
44 d early
2023
44 d early
2022
34 d early
2021
41 d early
2020
39 d early
2019
39 d early
← 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-72k▼ 162%
2024 · €-27k
2018: €198k
2019: €218k
2020: €254k
2021: €58k
2022: €-27k
2023: €124k
2024: €-27k
2018 → 2025
Working capital
€486k▼ 50.1%
2024 · €974k
2018: €901k
2019: €1.17M
2020: €1.45M
2021: €1.29M
2022: €1.27M
2023: €1.15M
2024: €974k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.88M-€1.86M▼ 1.5%€1.98M▲ 6.7%€1.95M▼ 1.4%€1.88M▼ 3.7%
Operating result€62k-€-13k€124k€-25k€-65k▼ 160%
Net result€58k-€-27k€124k€-27k€-72k▼ 162%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €65k in 2025 against €25k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.50M
Fixed assets
€1.52M ▲ 53.7%
Current assets
€980k ▼ 31.6%
Equity and liabilities €2.50M
Equity
€1.88M ▼ 3.7%
Debt
€620k ▲ 31.9%
Debt's share of the balance-sheet total rises from 19.4% to 24.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€185k▲
2024 · €156k
Cash flow
€179k▲
2024 · €154k
Current ratio
1.98▼
2024 · 3.12
Debt to equity
0.33▲
2024 · 0.24
ROE
-3.8%▼
2024 · -1.4%
ROA
-2.9%▼
2024 · -1.1%
Interest coverage
29.70▲
2024 · 28.33
Debt ≤ 1 year
€495k▲
2024 · €460k
Debt > 1 year
€115k
Income taxes
€2k▼
2024 · €4k
Staff costs
€1.61M▲
2024 · €1.51M
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.42M€2.50M▲
Fixed assets21/28€991k€1.52M▲
Intangible fixed assets21€6k€3k▼
Tangible fixed assets22/27€967k€1.50M▲
Land and buildings22€778k€1.32M▲
Plant, machinery and equipment23€131k€103k▼
Furniture and vehicles24€59k€75k▲
Financial fixed assets28€17k€17k=
Current assets29/58€1.43M€980k▼
Amounts receivable within one year40/41€176k€288k▲
Trade receivables40€176k€288k▲
Current investments50/53€46k€48k▲
Cash at bank and in hand54/58€1.16M€615k▼
Deferred charges and accrued income490/1€50k€29k▼
Equity and liabilities
Total equity and liabilities10/49€2.42M€2.50M▲
Equity10/15€1.95M€1.88M▼
Reserves13€1.47M€1.28M▼
Profit (loss) carried forward14€488k€601k▲
Amounts payable17/49€470k€620k▲
Amounts payable after more than one year17-€115k
Financial debts170/4-€115k
Amounts payable within one year42/48€460k€495k▲
Current portion of amounts payable after more than one year42€0€31k▲
Trade debts44€95k€94k▼
Suppliers440/4€95k€94k▼
Taxes, remuneration and social security45€365k€369k▲
Taxes450/3€38k€36k▼
Remuneration and social security454/9€327k€333k▲
Accrued charges and deferred income492/3€10k€10k=
Income statement
Code20242025
Non-recurring operating income76A€0€17k▲
Remuneration, social security and pensions62€1.51M€1.61M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€181k€250k▲
Other operating charges640/8€52k€70k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€1.72M€1.87M▲
Operating profit (loss)9901€-25k€-65k▼
Financial income75/76B€7k€1k▼
Recurring financial income75€7k€1k▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€-23k€-70k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€-27k€-72k▼
Profit (loss) for the period to be appropriated9905€-27k€-72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€507k€416k▼
Profit (loss) brought forward from the previous period14P€534k€488k▼
From contributions791€100k€320k▲
To contributions691€119k€136k▲
Social balance
Average headcount (FTE)908720.823.0▲
The notes to these accounts (25 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-72k
Net result drops to €-72k, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €124k
Net result €124k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €254k ▲16.2%
Operating result €260k, net result €254k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
07-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-05
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.
Directors · office · real estate
Directors
6 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, Tournai · 2 establishment units since 1999
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.
Vieux Chemin de Lille(OR) 367501 TournaiGround area
4,287 m²
Building footprint
595 m²
Volume, LiDAR
3,273 m³
2 parcels, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Ensemble
since 19992.163.029.031
Ensemble
since 20152.238.674.183
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57060B0292/00R000 | Wallonia | 2,714 m² | 1 · 248 m² | 7.7 m · 2 fl. |
| 57060A0285/00H000 | Wallonia | 1,573 m² | 1 · 346 m² | 6.6 m · 2 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.
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BE 0435.107.851
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Of 322 companies in sector 87202 we hold annual accounts for 273. 220 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 formNon-profit association
Founded02-09-1999
Fiscal year end31-12
Activities, NACEBEL 2025
87202Residential care 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.