ERIC KERSTENS
ActiveERIC KERSTENS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €14k. Equity is growing by ~35.7% per year across the filed fiscal years. Its solvency ranks better than 38% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-12
Solvency61▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 1.66 in 2024; short-term debt: 63.5% and cash: 34.6% of total assets), but 63.5% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
36.5%
Return on assets
6.7%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 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
26 d late
2024
391 d late
2023
104 d late
2022
450 d late
2021
812 d late
2020
59 d late
2019
151 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▲ 22.7%
2024 · €62k
2019: €12k
2020: €12k
2021: €12k
2022: €35k
2023: €38k
2024: €62k
2019 → 2025
Total assets
€209k▲ 37.8%
2024 · €152k
2019: €136k
2020: €152k
2021: €170k
2022: €148k
2023: €141k
2024: €152k
2019 → 2025
Net result
€14k▼ 41.5%
2024 · €24k
2019: €-23k
2020: €164
2021: €371
2022: €23k
2023: €3k
2024: €24k
2019 → 2025
Working capital
€73k▲ 23.3%
2024 · €59k
2019: €8k
2020: €9k
2021: €13k
2022: €25k
2023: €32k
2024: €59k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€35k▲ 184%€38k▲ 8.6%€62k▲ 63.1%€76k▲ 22.7%
Operating result€11k-€31k▲ 173%€15k▼ 52.3%€51k▲ 246%€43k▼ 15.3%
Net result€371-€23k▲ 6,021%€3k▼ 86.7%€24k▲ 697%€14k▼ 41.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€3k▲ 9.7%
Current assets
€206k▲ 38.4%
Equity and liabilities €209k
Equity
€76k▲ 22.7%
Debt
€133k▲ 48.4%
The debt ratio rises from 59.0% to 63.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€47k▼
2024 · €54k
Cash flow
€18k▼
2024 · €28k
Solvency
36.5%▼
2024 · 41.0%
Current ratio
1.55▼
2024 · 1.66
Quick ratio
1.11▼
2024 · 1.33
Debt / equity
1.74▲
2024 · 1.44
ROE
18.5%▼
2024 · 38.7%
ROA
6.7%▼
2024 · 15.9%
Interest coverage
6.67▼
2024 · 9.63
Debt
€133k▲
2024 · €90k
Debt ≤ 1 year
€133k▲
2024 · €90k
Income taxes
€22k▲
2024 · €21k
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€152k€209k▲
Fixed assets21/28€3k€3k▲
Tangible fixed assets22/27€3k€3k▲
Plant, machinery and equipment23€0-
Furniture and vehicles24€3k€3k▲
Current assets29/58€149k€206k▲
Stocks and contracts in progress3€30k€58k▲
Stocks30/36€22k€30k▲
Contracts in progress37€7k€29k▲
Amounts receivable within one year40/41€35k€70k▲
Trade receivables40€15k€41k▲
Other amounts receivable41€20k€29k▲
Cash at bank and in hand54/58€76k€72k▼
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€152k€209k▲
Equity10/15€62k€76k▲
Contributions10/11€19k€19k=
Reserves13€44k€58k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€42k€56k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€90k€133k▲
Amounts payable within one year42/48€90k€133k▲
Current portion of amounts payable after more than one year42€8k€20k▲
Trade debts44€66k€94k▲
Suppliers440/4€66k€94k▲
Taxes, remuneration and social security45€13k€17k▲
Taxes450/3€13k€17k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€2k€1k▼
Accrued charges and deferred income492/3€0€16▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€11k€2k▼
Non-recurring operating charges66A€976€0▼
Gross operating margin9900€67k€48k▼
Operating profit (loss)9901€51k€43k▼
Financial income75/76B€200€26▼
Recurring financial income75€200€26▼
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€45k€36k▼
Income taxes67/77€21k€22k▲
Profit (loss) for the period9904€24k€14k▼
Profit (loss) for the period to be appropriated9905€24k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€14k▲
Profit (loss) brought forward from the previous period14P€-11k€0▲
Transfer to equity691/2€13k€14k▲
To other reserves6921€13k€14k▲
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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
26-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 391 days late
2024
30-06
Financial
Highest result since 2019net €24k ▲697%
Operating result €51k, net result €24k, both a record.
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 104 days late
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 450 days late
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 812 days late
2021
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
30-06
Financial
Back to profitnet €164
Net result €164 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 151 days late
2019
19-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
20-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 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
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, Essen · 1 establishment unit since 2003
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.
Rooiendamlaan 92910 EssenGround area
647 m²
Building footprint
105 m²
Volume, LiDAR
556 m³
Parcel 11642D0630/00H017, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ERIC KERSTENS
since 20032.132.943.292
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11642D0630/00H017 | Flanders | 647 m² | 1 · 105 m² | 8.6 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 1,758 EUR awarded · 1,628 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 162 EUR | 162 EUR |
| 2024 | 1 | 292 EUR | 162 EUR |
| 2023 | 1 | 1,304 EUR | 1,304 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,528 companies in sector 43222 we hold annual accounts for 5,659. 4,826 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-05-2003
Fiscal year end30-06
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.