Enverto 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 €138k and a net result of €52k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 49% of 8013 sector peers (fiscal year 2025). The company has been active since 2009 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 31-08-2025 was due by 31-03-2026 and was filed on 27-02-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
14 d late
2023
32 d early
2022
3 d early
2021
6 d early
2020
62 d early
2019
84 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close20-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▲ 0.5%
2024 · €138k
2019: €92k
2020: €112k
2021: €92k
2022: €107k
2023: €111k
2024: €138k
2019 → 2025
Net result
€52k▲ 94.6%
2024 · €27k
2019: €6k
2020: €20k
2021: €-21k
2022: €15k
2023: €44k
2024: €27k
2019 → 2025
Total assets
€274k▲ 8.2%
2024 · €253k
2019: €148k
2020: €151k
2021: €131k
2022: €167k
2023: €212k
2024: €253k
2019 → 2025
Solvency
50.5%▼ 3.8pp
2024 · 54.3%
2019: 62.3%
2020: 74.6%
2021: 70.2%
2022: 63.6%
2023: 52.4%
2024: 54.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€92k-€107k▲ 16.2%€111k▲ 4.2%€138k▲ 24.0%€138k▲ 0.5%
Operating result€-7k-€21k€63k▲ 201%€42k▼ 33.2%€80k▲ 88.8%
Net result€-21k-€15k€44k▲ 197%€27k▼ 39.6%€52k▲ 94.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 89% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €274k
Fixed assets
€38k▼ 5.4%
Current assets
€236k▲ 10.7%
Equity and liabilities €274k
Equity
€138k▲ 0.5%
Debt
€136k▲ 17.3%
The debt ratio rises from 45.7% to 49.5%. Equity and debt are higher.
Key figures and ratios
Solvency
50.5%▼
2024 · 54.3%
ROE
37.4%▲
2024 · 19.3%
ROA
18.9%▲
2024 · 10.5%
Debt
€136k▲
2024 · €116k
Debt ≤ 1 year
€136k▲
2024 · €116k
Income taxes
€24k▲
2024 · €14k
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€253k€274k▲
Fixed assets21/28€40k€38k▼
Tangible fixed assets22/27€40k€38k▼
Land and buildings22€5k€5k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€27k€27k▲
Current assets29/58€213k€236k▲
Amounts receivable after more than one year29€24k€24k=
Other amounts receivable291€24k€24k=
Amounts receivable within one year40/41€109k€135k▲
Trade receivables40€92k€100k▲
Other amounts receivable41€17k€35k▲
Cash at bank and in hand54/58€66k€44k▼
Deferred charges and accrued income490/1€14k€33k▲
Equity and liabilities
Total equity and liabilities10/49€253k€274k▲
Equity10/15€138k€138k▲
Contributions10/11€1k€1k=
Reserves13€137k€137k▲
Distributable reserves133€137k€137k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€116k€136k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€116k€136k▲
Current portion of amounts payable after more than one year42€9k€0▼
Financial debts43-€90
Credit institutions430/8-€90
Trade debts44€62k€39k▼
Suppliers440/4€62k€39k▼
Taxes, remuneration and social security45€23k€48k▲
Taxes450/3€23k€48k▲
Other amounts payable47/48€21k€49k▲
Income statement
Code20242025
Non-recurring operating income76A-€20k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€53k€89k▲
Operating profit (loss)9901€42k€80k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€40k€76k▲
Income taxes67/77€14k€24k▲
Profit (loss) for the period9904€27k€52k▲
Profit (loss) for the period to be appropriated9905€27k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€52k▲
Transfer from equity791/2€0€51k▲
Transfer to equity691/2€27k€52k▲
To other reserves6921€27k€52k▲
Profit to be distributed694/7€0€51k▲
Return on contributions (dividend)694€0€51k▲
The notes to these accounts (6 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
Financial
Highest result since 2019net €52k ▲94.6%
Operating result €80k, net result €52k, both a record.
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-08
Financial
Equity above €100kEq €107k ▲16.2%
Equity rises from €92k to €107k.
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-08
Financial
Weakest financial yearnet €-21k ▼202%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
Financial
Equity above €100kEq €112k ▲22.1%
2 profitable years in a row build equity to €112k.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 84 days late
2019
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Beringen · 1 establishment unit since 2009
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.
Orgelwinningstraat 243582 BeringenGround area
1,106 m²
Building footprint
139 m²
Volume, LiDAR
1,005 m³
Parcel 71522D0378/00E000, Flanders · tallest building 12.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Orgelwinningstraat 24, 3582 Beringen
since 20092.182.455.260
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71522D0378/00E000 | Flanders | 1,106 m² | 1 · 139 m² | 12.5 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.
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KEY4MORE
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MAXICOMPANY
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,072 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-2009
Fiscal year end31-08
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.