Eric Baland
ActiveEric Baland has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €-10k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 48% of 3286 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▼-71
Solvency67▼-12
Growth52=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 2.84 in 2024; short-term debt: 46.9% and cash: 2.5% of total assets), but 57.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
42.2%
Return on assets
-4.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
48 d late
2023
90 d late
2022
228 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€93k▼ 9.8%
2024 · €103k
2022: €49k
2023: €88k
2024: €103k
2022 → 2025
Total assets
€221k▲ 15.4%
2024 · €191k
2022: €73k
2023: €171k
2024: €191k
2022 → 2025
Net result
€-10k
2024 · €46k
2022: €69k
2023: €69k
2024: €46k
2022 → 2025
Working capital
€117k▼ 5.3%
2024 · €124k
2022: €49k
2023: €88k
2024: €124k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€49k-€88k▲ 79.9%€103k▲ 17.9%€93k▼ 9.8%
Operating result€88k-€81k▼ 8.2%€51k▼ 37.5%€-11k
Net result€69k-€69k▲ 0.3%€46k▼ 33.7%€-10k
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 turns negative in 2025: a loss of €11k after €51k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €221k
Equity
€93k▼ 9.8%
Debt
€127k▲ 44.9%
The debt ratio rises from 46.0% to 57.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
42.2%▼
2024 · 54.0%
Current ratio
2.13▼
2024 · 2.84
Quick ratio
2.13▼
2024 · 2.84
Debt / equity
1.37▲
2024 · 0.85
ROE
-10.9%▼
2024 · 44.2%
ROA
-4.6%▼
2024 · 23.9%
Debt
€127k▲
2024 · €88k
Debt ≤ 1 year
€103k▲
2024 · €67k
Income taxes
€3k▼
2024 · €6k
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€191k€221k▲
Current assets29/58€191k€221k▲
Amounts receivable within one year40/41€129k€161k▲
Trade receivables40€60k€41k▼
Other amounts receivable41€69k€120k▲
Cash at bank and in hand54/58€8k€5k▼
Deferred charges and accrued income490/1€54k€54k=
Equity and liabilities
Total equity and liabilities10/49€191k€221k▲
Equity10/15€103k€93k▼
Contributions10/11€10k€10k=
Capital10€10k€10k=
Issued capital100€10k€10k=
Profit (loss) carried forward14€93k€83k▼
Amounts payable17/49€88k€127k▲
Amounts payable within one year42/48€67k€103k▲
Current portion of amounts payable after more than one year42-€18k
Trade debts44€523-
Suppliers440/4€523-
Taxes, remuneration and social security45€67k€22k▼
Taxes450/3€67k€22k▼
Other amounts payable47/48-€64k
Accrued charges and deferred income492/3€20k€24k▲
Income statement
Code20242025
Other operating charges640/8€424€2k▲
Gross operating margin9900€51k€-8k▼
Operating profit (loss)9901€51k€-11k▼
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€3k€378▼
Recurring financial charges65€3k€378▼
Profit (loss) for the period before taxes9903€52k€-7k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€46k€-10k▼
Profit (loss) for the period to be appropriated9905€46k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€123k€83k▼
Profit (loss) brought forward from the previous period14P€78k€93k▲
Profit to be distributed694/7€30k-
Directors or managers695€30k-
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-10k ▼122%
Net result drops to €-10k, the lowest in the series.
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 48 days late
2024
31-12
Financial
Equity above €100kEq €103k ▲17.9%
3 profitable years in a row build equity to €103k.
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 90 days late
15-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 228 days late
2023
31-12
Financial
Highest result since 2022net €69k ▲0.3%
Net result €69k, the highest in the series.
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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2021
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.
Roodebeeksteenweg 5211200 Sint-Lambrechts-WoluweGround area
480 m²
Building footprint
226 m²
Volume, LiDAR
2,472 m³
Parcel 21673D0087/00W051, Brussels · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Eric Baland
since 20212.319.207.642
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0087/00W051 | Brussels | 480 m² | 1 · 226 m² | 13.4 m · 4 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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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,451 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2021
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.