ENVIRO CHALLENGE
ActiveENVIRO CHALLENGE has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €308k and a net result of €5k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 91% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+3
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 13.35 against 6.08 in 2024; short-term debt: 7.2% and cash: 53.9% of total assets), and 7.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
92.8%
Return on assets
1.5%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
25 d late
2022
22 d late
2021
30 d late
2020
28 d late
2019
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€308k▲ 1.6%
2024 · €303k
2018: €692k
2019: €298k
2020: €299k
2021: €303k
2022: €304k
2023: €304k
2024: €303k
2018 → 2025
Total assets
€332k▼ 7.8%
2024 · €360k
2018: €958k
2019: €503k
2020: €481k
2021: €429k
2022: €398k
2023: €375k
2024: €360k
2018 → 2025
Net result
€5k
2024 · €-1k
2018: €-2k
2019: €7k
2020: €424
2021: €4k
2022: €858
2023: €430
2024: €-1k
2018 → 2025
Working capital
€296k▲ 6.5%
2024 · €278k
2018: €592k
2019: €209k
2020: €219k
2021: €240k
2022: €248k
2023: €275k
2024: €278k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€303k-€304k▲ 0.3%€304k▲ 0.1%€303k▼ 0.4%€308k▲ 1.6%
Operating result€8k-€5k▼ 39.6%€3k▼ 35.3%€723▼ 78.2%€4k▲ 443%
Net result€4k-€858▼ 79.4%€430▼ 49.9%€-1k€5k
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 443% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332k
Fixed assets
€11k▼ 56.9%
Current assets
€320k▼ 3.8%
Equity and liabilities €332k
Equity
€308k▲ 1.6%
Debt
€24k▼ 57.8%
The debt ratio falls from 15.8% to 7.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▲
2024 · €29k
Cash flow
€35k▲
2024 · €27k
Solvency
92.8%▲
2024 · 84.2%
Current ratio
13.35▲
2024 · 6.08
Quick ratio
13.35▲
2024 · 6.08
Debt / equity
0.08▼
2024 · 0.19
ROE
1.6%▲
2024 · -0.4%
ROA
1.5%▲
2024 · -0.3%
Interest coverage
45.44▲
2024 · 11.52
Debt
€24k▼
2024 · €57k
Debt ≤ 1 year
€24k▼
2024 · €55k
Income taxes
€2k▲
2024 · €2k
Staff costs
€98k▲
2024 · €88k
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€360k€332k▼
Fixed assets21/28€27k€11k▼
Tangible fixed assets22/27€27k€11k▼
Land and buildings22€22k€752▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€4k€9k▲
Current assets29/58€333k€320k▼
Amounts receivable within one year40/41€178k€142k▼
Trade receivables40€175k€136k▼
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€155k€179k▲
Equity and liabilities
Total equity and liabilities10/49€360k€332k▼
Equity10/15€303k€308k▲
Contributions10/11€200k€200k=
Reserves13€103k€108k▲
Distributable reserves133€103k€108k▲
Amounts payable17/49€57k€24k▼
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€55k€24k▼
Current portion of amounts payable after more than one year42€24k€2k▼
Trade debts44€18k€11k▼
Suppliers440/4€18k€11k▼
Taxes, remuneration and social security45€14k€11k▼
Taxes450/3€2k€2k▼
Remuneration and social security454/9€11k€9k▼
Income statement
Code20242025
Remuneration, social security and pensions62€88k€98k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€30k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€120k€134k▲
Operating profit (loss)9901€723€4k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€2k€741▼
Recurring financial charges65€2k€741▼
Profit (loss) for the period before taxes9903€260€7k▲
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€-1k€5k▲
Profit (loss) for the period to be appropriated9905€-1k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€5k▲
Transfer from equity791/2€1k-
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (7 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
31-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-09
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 13.35
Current ratio from 6.08 to 13.35; short-term debt falls from €55k to €24k.
31-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
25-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 25 days late
2023
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
30-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2019
30-09
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
12-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 12 days late
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, Maaseik · 1 establishment unit since 1998
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.
Wouterbos 93680 MaaseikGround area
2,068 m²
Building footprint
210 m²
Volume, LiDAR
1,487 m³
Parcel 72028A0387/00T002, Flanders · tallest building 19.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Wouterbos 9, 3680 Maaseik
since 19982.068.187.874
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72028A0387/00T002 | Flanders | 2,068 m² | 1 · 210 m² | 19.8 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.
Similar companies · same sector, comparable size
LASSO BRIDGE
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PROHEAD ENGINEERING
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CHDD CONSULTING
BE 0457.498.520
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TRADIUM
BE 0821.888.126
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INSIDEOUT
BE 0889.768.429
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 37,982 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-09-1994
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.