ERGL
ActiveERGL 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 €99k and a net result of €67k. Equity is growing by ~25.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 7980 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
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 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
8 d early
2023
1 d early
2022
3 d early
2021
2 d early
2020
1 d early
2019
2 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€99k▼ 37.3%
2024 · €157k
2018: €20k
2019: €37k
2020: €64k
2021: €117k
2022: €117k
2023: €82k
2024: €157k
2018 → 2025
Net result
€67k▼ 11.2%
2024 · €75k
2018: €871
2019: €18k
2020: €26k
2021: €54k
2022: €58k
2023: €-48k
2024: €75k
2018 → 2025
Total assets
€168k▲ 2.2%
2024 · €165k
2018: €52k
2019: €69k
2020: €93k
2021: €156k
2022: €182k
2023: €87k
2024: €165k
2018 → 2025
Solvency
58.6%▼ 36.8pp
2024 · 95.4%
2018: 37.9%
2019: 54.1%
2020: 68.5%
2021: 75.0%
2022: 64.5%
2023: 94.8%
2024: 95.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€117k-€117k=€82k▼ 30.0%€157k▲ 91.4%€99k▼ 37.3%
Operating result€78k-€77k▼ 1.0%€-47k€84k€85k▲ 0.9%
Net result€54k-€58k▲ 8.6%€-48k€75k€67k▼ 11.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168k
Fixed assets
€950▼ 53.2%
Current assets
€167k▲ 2.9%
Equity and liabilities €168k
Equity
€99k▼ 37.3%
Debt
€70k▲ 823%
The debt ratio rises from 4.6% to 41.4%: debt grows while equity shrinks.
Key figures and ratios
Solvency
58.6%▼
2024 · 95.4%
ROE
67.6%▲
2024 · 47.7%
ROA
39.6%▼
2024 · 45.6%
Debt
€70k▲
2024 · €8k
Debt ≤ 1 year
€70k▲
2024 · €7k
Income taxes
€18k▲
2024 · €9k
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€165k€168k▲
Fixed assets21/28€2k€950▼
Tangible fixed assets22/27€2k€950▼
Furniture and vehicles24€2k€950▼
Current assets29/58€163k€167k▲
Amounts receivable after more than one year29-€35k
Other amounts receivable291-€35k
Amounts receivable within one year40/41€19k€40k▲
Trade receivables40-€17k
Other amounts receivable41€19k€23k▲
Cash at bank and in hand54/58€143k€92k▼
Equity and liabilities
Total equity and liabilities10/49€165k€168k▲
Equity10/15€157k€99k▼
Contributions10/11€19k€19k=
Reserves13€138k€80k▼
Distributable reserves133€138k€80k▼
Amounts payable17/49€8k€70k▲
Amounts payable within one year42/48€7k€70k▲
Trade debts44€2k€214▼
Suppliers440/4€2k€214▼
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€3k€3k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48-€67k
Accrued charges and deferred income492/3€209€106▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€918€1k▲
Other operating charges640/8€951€1k▲
Gross operating margin9900€86k€87k▲
Operating profit (loss)9901€84k€85k▲
Financial income75/76B€35-
Recurring financial income75€35-
Financial charges65/66B€83€78▼
Recurring financial charges65€83€78▼
Profit (loss) for the period before taxes9903€84k€85k▲
Income taxes67/77€9k€18k▲
Profit (loss) for the period9904€75k€67k▼
Profit (loss) for the period to be appropriated9905€75k€67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€67k▲
Profit (loss) brought forward from the previous period14P€-36k-
Transfer from equity791/2-€59k
Transfer to equity691/2€39k-
To other reserves6921€39k-
Profit to be distributed694/7-€125k
Return on contributions (dividend)694-€125k
The notes to these accounts (4 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €75k
Net result €75k after one loss-making year.
31-12
Financial
Equity above €150kEq €157k ▲91.4%
Equity rises from €82k to €157k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-48k ▼182%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 7current ratio 19.75
Current ratio from 2.82 to 19.75; short-term debt falls from €64k to €4k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €117k ▲84.5%
4 profitable years in a row build equity to €117k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
15-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 15 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Heusden-Zolder · 1 establishment unit since 2014
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.
Mijnwerkerslaan 43550 Heusden-ZolderGround area
3,928 m²
Building footprint
1,202 m²
Volume, LiDAR
7,692 m³
Parcel 71065A0205/00A019, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Mijnwerkerslaan 4, 3550 Heusden-Zolder
since 20142.235.254.142
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065A0205/00A019 | Flanders | 3,928 m² | 1 · 1,202 m² | 9.0 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
LVDK Management
BE 0803.201.471
Rijkevorsel · Eq €98k
S.L.M. INVEST
BE 0543.577.607
Ronse · Eq €99k
3 C CONSULTING
BE 0480.128.422
Berlare · Eq €98k
Mer & Co
BE 0507.619.311
Antwerpen · Eq €99k
BNEXT
BE 1016.427.762
Kontich · Eq €99k
Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 12,253 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.