Summary
Erica 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 €27.3m and a net result of €5.5m. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 5651 sector peers (fiscal year 2025). The company has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 01-04-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
20 d early
2023
27 d early
2022
19 d early
2021
30 d early
2020
14 d early
2019
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 21 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 4 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close01-10-2026 today30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#2 company by equity in Beerse, Finance and insurance sector#3 company by total assets in Beerse, Finance and insurance sector
Equity
€27.3m▲ 10.0%
2024 · €24.8m
Net result
€5.5m▼ 13.4%
2024 · €6.3m
Total assets
€27.3m▲ 5.7%
2024 · €25.8m
Solvency
100.0%▲ 3.9pp
2024 · 96.1%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€128,123▲ 14.0%€146,243▲ 14.1%€196,592▲ 34.4%€208,599▲ 6.1%€291,509▲ 39.7%
Net result€1.2mabove the sector's middle half▼ 42.4%€1.0mabove the sector's middle half▼ 15.6%€705,176above the sector's middle half▼ 29.8%€6.3mabove the sector's middle half▲ 798%€5.5mabove the sector's middle half▼ 13.4%
Equity€18.9mabove the sector's middle half▲ 5.8%€19.8mabove the sector's middle half▲ 4.5%€19.5mabove the sector's middle half▼ 1.5%€24.8mabove the sector's middle half▲ 27.4%€27.3mabove the sector's middle half▲ 10.0%
Total assets€19.1mabove the sector's middle half▲ 1.1%€19.9mabove the sector's middle half▲ 4.4%€20.5mabove the sector's middle half▲ 2.8%€25.8mabove the sector's middle half▲ 26.0%€27.3mabove the sector's middle half▲ 5.7%
Debt€158,570▼ 83.9%€151,618▼ 4.4%€1.0m▲ 560%€1.0m=€4,240▼ 99.6%
Working capital€2.4mabove the sector's middle half▲ 114%€3.5mabove the sector's middle half▲ 45.3%€3.3mabove the sector's middle half▼ 5.9%€8.9mabove the sector's middle half▲ 167%€11.6mabove the sector's middle half▲ 29.9%
Solvency99.2%above the sector's middle half▲ 4.4pp99.2%above the sector's middle half▲ 0.1pp95.1%above the sector's middle half▼ 4.1pp96.1%above the sector's middle half▲ 1.0pp100.0%above the sector's middle half▲ 3.9pp
Current ratio16.45above the sector's middle half▲ 14.2924.47above the sector's middle half▲ 8.024.33above the sector's middle half▼ 20.149.90above the sector's middle half▲ 5.57
Return on assets (ROA)6.2%within the sector's middle half▼ 4.7pp5.0%within the sector's middle half▼ 1.2pp3.4%within the sector's middle half▼ 1.6pp24.5%above the sector's middle half▲ 21.1pp20.1%above the sector's middle half▼ 4.5pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €27.3m
Fixed assets
€15.7m ▼ 1.2%
Current assets
€11.6m ▲ 16.8%
Equity and liabilities €27.3m
Equity
€27.3m ▲ 10.0%
Provisions
€240 ▼ 29.4%
Debt
€4,240 ▼ 99.6%
Debt's share of the balance-sheet total falls from 3.9% to 0.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
20.1%▼
2024 · 25.5%
Debt ≤ 1 year
€4,240▼
2024 · €1.0m
Income taxes
€96,610▲
2024 · €67,269
A ratio outside any meaningful range has been withheld (balance sheet total €27.3m, equity €27.3m).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €256,948 | €249,307 | €247,440 | €249,992 | €183,775 | ▼ 26.5% |
| Other operating charges640/8 | - | €37,050 | €40,464 | €43,288 | €43,422 | ▲ 0.3% |
| Gross operating margin9900 | €421,081 | €432,600 | €484,496 | €501,879 | €518,707 | ▲ 3.4% |
| Operating profit (loss)9901 | €128,123 | €146,243 | €196,592 | €208,599 | €291,509 | ▲ 39.7% |
| Financial income75/76B | - | €1.1m | €556,177 | €6.2m | €5.3m | ▼ 14.0% |
| Recurring financial income75 | €1.1m | €1.1m | €556,177 | €6.2m | €5.3m | ▼ 14.0% |
| Financial charges65/66B | - | €165,116 | €4,452 | €15,394 | €53,599 | ▲ 248% |
| Recurring financial charges65 | €6,127 | €165,116 | €4,452 | €15,394 | €53,599 | ▲ 248% |
| Profit (loss) for the period before taxes9903 | €1.2m | €1.0m | €748,317 | €6.4m | €5.6m | ▼ 12.8% |
| Transfer from deferred taxes780 | - | €100 | €100 | €100 | €100 | = |
| Income taxes67/77 | €36,589 | €38,968 | €43,241 | €67,269 | €96,610 | ▲ 43.6% |
| Profit (loss) for the period9904 | €1.2m | €1.0m | €705,176 | €6.3m | €5.5m | ▼ 13.4% |
| Transfer from tax-exempt reserves789 | - | €300 | €300 | €300 | €300 | = |
| Profit (loss) for the period to be appropriated9905 | €1.2m | €1.0m | €705,476 | €6.3m | €5.5m | ▼ 13.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €19.1m | €19.9m | €20.5m | €25.8m | €27.3m | ▲ 5.7% |
| Fixed assets21/28 | €16.5m | €16.2m | €16.1m | €15.9m | €15.7m | ▼ 1.2% |
| Tangible fixed assets22/27 | €4.6m | €4.4m | €4.3m | €4.0m | €3.8m | ▼ 4.6% |
| Land and buildings22 | - | €4.4m | €4.1m | €3.9m | €3.7m | ▼ 4.5% |
| Plant, machinery and equipment23 | - | - | €155,928 | €147,898 | €139,868 | ▼ 5.4% |
| Financial fixed assets28 | €11.9m | €11.9m | €11.9m | €11.9m | €11.9m | = |
| Current assets29/58 | €2.6m | €3.7m | €4.3m | €9.9m | €11.6m | ▲ 16.8% |
| Amounts receivable within one year40/41 | €1,490 | €17,512 | €8,863 | €14,476 | €7,032 | ▼ 51.4% |
| Trade receivables40 | - | - | €6,245 | €5,712 | €7,032 | ▲ 23.1% |
| Other amounts receivable41 | - | €17,512 | €2,618 | €8,764 | - | - |
| Current investments50/53 | €2.1m | €2.5m | €4.3m | €9.2m | €11.5m | ▲ 24.9% |
| Cash at bank and in hand54/58 | €486,720 | €1.2m | €62,418 | €659,582 | €35,665 | ▼ 94.6% |
| Deferred charges and accrued income490/1 | - | €2,458 | €2,458 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €19.1m | €19.9m | €20.5m | €25.8m | €27.3m | ▲ 5.7% |
| Equity10/15 | €18.9m | €19.8m | €19.5m | €24.8m | €27.3m | ▲ 10.0% |
| Contributions10/11 | €12.5m | €12.5m | €12.5m | €12.5m | €9.5m | ▼ 24.0% |
| Capital10 | - | €12.5m | €12.5m | €12.5m | €9.5m | ▼ 24.0% |
| Issued capital100 | - | €12.5m | €12.5m | €12.5m | €9.5m | ▼ 24.0% |
| Reserves13 | €5.4m | €6.4m | €7.0m | €7.0m | €12.3m | ▲ 76.3% |
| Non-distributable reserves130/1 | - | €1.9m | €1.9m | €1.9m | €1.9m | = |
| Legal reserve130 | - | €1.2m | €1.2m | €1.2m | €1.2m | = |
| Own shares acquired1312 | - | €659,178 | €659,178 | €659,178 | €659,178 | = |
| Tax-exempt reserves132 | - | €13,848 | €13,548 | €13,248 | €12,948 | ▼ 2.3% |
| Distributable reserves133 | - | €4.5m | €5.1m | €5.1m | €10.4m | ▲ 105% |
| Profit (loss) carried forward14 | €1.0m | €854,344 | - | €5.3m | €5.5m | ▲ 2.8% |
| Provisions and deferred taxes16 | €640 | €540 | €440 | €340 | €240 | ▼ 29.4% |
| Deferred taxes168 | - | €540 | €440 | €340 | €240 | ▼ 29.4% |
| Amounts payable17/49 | €158,570 | €151,618 | €1.0m | €1.0m | €4,240 | ▼ 99.6% |
| Amounts payable within one year42/48 | €157,820 | €150,868 | €1.0m | €1.0m | €4,240 | ▼ 99.6% |
| Financial debts43 | - | - | - | €37 | - | - |
| Credit institutions430/8 | - | - | - | €37 | - | - |
| Trade debts44 | - | €868 | €960 | €968 | €1,026 | ▲ 6.0% |
| Suppliers440/4 | - | €868 | €960 | €968 | €1,026 | ▲ 6.0% |
| Taxes, remuneration and social security45 | - | - | €293 | €114 | €3,032 | ▲ 2,555% |
| Taxes450/3 | - | - | €293 | €114 | €3,032 | ▲ 2,555% |
| Other amounts payable47/48 | - | €150,000 | €1.0m | €1.0m | €183 | ▼ 100.0% |
| Accrued charges and deferred income492/3 | - | €750 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1.2m | €1.0m | €705,176 | €6.3m | €5.5m | ▼ 13.4% |
| + Depreciation and write-downs630 | €256,948 | €249,307 | €247,440 | €249,992 | €183,775 | ▼ 26.5% |
| Operating cash flow (approximation) | €1.4m | €1.3m | €952,616 | €6.6m | €5.7m | ▼ 13.9% |
| Investment in fixed assets (approximation) | - | €0 | -€160,606 | €0 | €0 | - |
| Change in cash | - | €700,279 | -€1.1m | €597,164 | -€623,917 | ▼ 204% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Liquidity times 276current ratio 2730.48
Current ratio from 9.90 to 2730.48; short-term debt falls from €1.0m to €4,240.
30-09
Financial
Equity above €25mEq €27.3m ▲10%
7 profitable years in a row build equity to €27.3m.
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2019net €6.3m ▲798%
Net result €6.3m, the highest in the series.
30-09
Financial
Liquidity doublescurrent ratio 9.90
Current ratio from 4.33 to 9.90; short-term debt falls from €1.0m to €1.0m.
03-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Liquidity times 8current ratio 16.45
Current ratio from 2.16 to 16.45; short-term debt falls from €984,798 to €157,820.
16-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
21-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
11-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 13 acts read
About the unread acts
We know of 13 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 13 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Beerse · 1 establishment unit since 1968
Ground area
735 m²
Parcel 13004D0176/00M025, Flanders. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Ambachtstraat 19, 2340 Beerse
since 19682.003.432.060
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004D0176/00M025 | Flanders | 735 m² | - | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-09-2025 list no shareholders, and no other source names one.
Holdings 1
-
99.84%
According to the annual accounts to 30-09-2025 of Erica and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
875500D7C5OS1DVK4354
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 3,697 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPublic limited company
Founded01-01-1968
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0404164455
Also
9925:BE0404164455
Registered
15-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.