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 €27.28M and a net result of €5.48M. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 5527 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 health 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.
Credit advice for your own amount and term
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 →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€27.28M▲ 10.0%
2024 · €24.80M
2018: €16.62M
2019: €16.71M
2021: €18.91M
2022: €19.76M
2023: €19.47M
2024: €24.80M
2018 → 2025
Net result
€5.48M▼ 13.4%
2024 · €6.33M
2018: €3.81M
2019: €89k
2021: €1.19M
2022: €1.00M
2023: €705k
2024: €6.33M
2018 → 2025
Total assets
€27.28M▲ 5.7%
2024 · €25.80M
2018: €16.98M
2019: €16.71M
2021: €19.07M
2022: €19.92M
2023: €20.47M
2024: €25.80M
2018 → 2025
Solvency
100.0%▲ 3.9pp
2024 · 96.1%
2018: 97.9%
2019: 100.0%
2021: 99.2%
2022: 99.2%
2023: 95.1%
2024: 96.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18.91M-€19.76M▲ 4.5%€19.47M▼ 1.5%€24.80M▲ 27.4%€27.28M▲ 10.0%
Operating result€128k-€146k▲ 14.1%€197k▲ 34.4%€209k▲ 6.1%€292k▲ 39.7%
Net result€1.19M-€1.00M▼ 15.6%€705k▼ 29.8%€6.33M▲ 798%€5.48M▼ 13.4%
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 €27.28M
Fixed assets
€15.70M ▼ 1.2%
Current assets
€11.58M ▲ 16.8%
Equity and liabilities €27.28M
Equity
€27.28M ▲ 10.0%
Provisions
€240 ▼ 29.4%
Debt
€4k ▼ 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%
ROA
20.1%▼
2024 · 24.5%
Debt ≤ 1 year
€4k▼
2024 · €1.00M
Income taxes
€97k▲
2024 · €67k
A ratio outside any meaningful range has been withheld (balance sheet total €27.28M, equity €27.28M).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€25.80M€27.28M▲
Fixed assets21/28€15.89M€15.70M▼
Tangible fixed assets22/27€4.03M€3.84M▼
Land and buildings22€3.88M€3.70M▼
Plant, machinery and equipment23€148k€140k▼
Financial fixed assets28€11.86M€11.86M=
Current assets29/58€9.91M€11.58M▲
Amounts receivable within one year40/41€14k€7k▼
Trade receivables40€6k€7k▲
Other amounts receivable41€9k-
Current investments50/53€9.24M€11.54M▲
Cash at bank and in hand54/58€660k€36k▼
Equity and liabilities
Total equity and liabilities10/49€25.80M€27.28M▲
Equity10/15€24.80M€27.28M▲
Contributions10/11€12.48M€9.48M▼
Capital10€12.48M€9.48M▼
Issued capital100€12.48M€9.48M▼
Reserves13€6.99M€12.32M▲
Non-distributable reserves130/1€1.91M€1.91M=
Legal reserve130€1.25M€1.25M=
Own shares acquired1312€659k€659k=
Tax-exempt reserves132€13k€13k▼
Distributable reserves133€5.07M€10.40M▲
Profit (loss) carried forward14€5.33M€5.48M▲
Provisions and deferred taxes16€340€240▼
Deferred taxes168€340€240▼
Amounts payable17/49€1.00M€4k▼
Amounts payable within one year42/48€1.00M€4k▼
Financial debts43€37-
Credit institutions430/8€37-
Trade debts44€968€1k▲
Suppliers440/4€968€1k▲
Taxes, remuneration and social security45€114€3k▲
Taxes450/3€114€3k▲
Other amounts payable47/48€1.00M€183▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€250k€184k▼
Other operating charges640/8€43k€43k▲
Gross operating margin9900€502k€519k▲
Operating profit (loss)9901€209k€292k▲
Financial income75/76B€6.20M€5.34M▼
Recurring financial income75€6.20M€5.34M▼
Financial charges65/66B€15k€54k▲
Recurring financial charges65€15k€54k▲
Profit (loss) for the period before taxes9903€6.40M€5.58M▼
Transfer from deferred taxes780€100€100=
Income taxes67/77€67k€97k▲
Profit (loss) for the period9904€6.33M€5.48M▼
Transfer from tax-exempt reserves789€300€300=
Profit (loss) for the period to be appropriated9905€6.33M€5.48M▼
Appropriation of the result
Profit (loss) to be appropriated9906€6.33M€10.81M▲
Profit (loss) brought forward from the previous period14P-€5.33M
Transfer to equity691/2-€5.33M
To other reserves6921-€5.33M
Profit to be distributed694/7€1.00M-
Return on contributions (dividend)694€1.00M-
The notes to these accounts (6 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
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 €1.00M to €4k.
30-09
Financial
Equity above €25MEq €27.28M ▲10%
7 profitable years in a row build equity to €27.28M.
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €6.33M ▲798%
Net result €6.33M, 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 €1.00M to €1.00M.
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
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
2019
30-09
Financial
Weakest financial yearnet €89k ▼97.7%
Net result drops to €89k, the lowest in the series; recovery starts the following year.
Show earlier events
30-09
Financial
Liquidity times 180current ratio 197.71
Current ratio from 1.10 to 197.71; short-term debt falls from €358k to €2k.
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.
Directors · office · real estate
Directors
13 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, Beerse · 1 establishment unit since 1968
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.
Ambachtstraat 192340 BeerseGround area
735 m²
Parcel 13004D0176/00M025, Flanders. Linked by address, not a title deed.
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
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.
Recognitions · licences · registrations
Legal Entity Identifier
875500D7C5OS1DVK4354
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 3,682 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
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
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.