Equity
EONIA has made a profit in every financial year since 2011.
EONIA has made a profit in every financial year since 2011.
Three of the last ten came late. The 2025 accounts came latest: 30 days after the end of the period.
More equity than 95% of companies in wholesale trade. Sector median €56,439 · 13,837 companies.
In July 2024, 17,811 companies had the same profile as EONIA has now. Each dot stands for 45 companies, two years later.
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,811 companies, not a prediction for EONIA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| EONIA Brunehaut | €1.6m | €180,884 | 71.2% | - |
| FUNERA Rumes | €1.4m | €164,048 | 70.5% | 4.5 |
| LEMMERLING MATTHIEU Veurne | €1.4m | €179,005 | 17.6% | - |
| TRAMEX BELGIUM Chaudfontaine | €1.7m | €223,323 | 6.5% | 3.3 |
| MAISON LIE Kapellen | €1.3m | €149,810 | 13.9% | 1.9 |
| OLIVIER BOUCKAERT INVEST Kuurne | €1.3m | €140,333 | 43.6% | 0.8 |
| LAPSI Mouscron | €1.1m | €155,877 | 23.1% | - |
These companies have the same main activity as EONIA: agents in non-specialised wholesale trade (NACE 46190). They are comparable in size and age: total assets between €1.1m and €1.7m, founded between 2009 and 2012.
EONIA files the micro format. That format states no turnover. The gross margin rose from €155,990 in 2011 to €180,884 in 2025.
The balance sheet grew most from 2015 to 2017 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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