ERIL
ActiveSummary
ERIL 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 €50,583 and a net result of €4,350. Equity is shrinking by about 7.9% per year across the filed financial years. The company has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
“Alle mogelijke makelaarsverrichtingen, met name op het vlak van verzekeringen, financieringen, persoonlijke en hypothecaire…” (deed in Dutch)
From the articles, 9 activitiesNo NACE code in the KBO yet1 site
Size
€64,853total assets 2025
- Equity
- €50,583
- Profit
- €4,350
Turnover not published (micro format)
Structure
Accounts 49 days early1 of 3 deeds read
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Score 2025
90
/ 100
Excellent▲ +30 on 2024
Without a bankruptcy probability: score from the figures alone
Financial strength · tick = 2024
Strong
Solvency
100+9
equity 78.0% of total assets
Liquidity
92+7
short-term debt 22.0% · cash 86.1%
Profitability
77+73
return on assets 6.7%
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity ample (current ratio 4.54, compared with 2.89 in 2024, above the usual 1.5; short-term debt: 22% and cash: 86.1% of total assets), and 22% of the assets are financed with debt and provisions.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
1 signal.
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 days early
2024
17 days early
2023
on the day
2022
11 days early
2021
31 days late
2020
on the day
2019
7 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 6 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 July (4 of the last 5 filed years within 38 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
18-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €4,350
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
Equity
€50,583▼ 15.9%
2024 · €60,133
Total assets
€64,853▼ 29.3%
2024 · €91,780
Net result
€4,350
2024 · -€11,014
Working capital
€50,583▼ 15.3%
2024 · €59,725
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result returns to profit in 2025: €4,558 after a loss of €11,240 in 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€4,558
2025
Net result€4,350
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€64,853
2025
Equity€50,583
2025
Debt€14,270
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€50,583
2025
Use the arrow keys on the chart for the figures per year.
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€20,803-€34,733▲ 67.0%€23,080▼ 33.5%€16,749▼ 27.4%€12,720▼ 24.1%€31,964▲ 151%-€11,240€4,558
Net result€12,579-€24,206▲ 92.4%€13,935▼ 42.4%€9,529▼ 31.6%€6,646▼ 30.3%€21,372▲ 222%-€11,014€4,350
Equity€94,558-€100,664▲ 6.5%€103,199▲ 2.5%€75,229▼ 27.1%€81,875▲ 8.8%€91,747▲ 12.1%€60,133▼ 34.5%€50,583▼ 15.9%
Total assets€106,167-€159,627▲ 50.4%€143,214▼ 10.3%€141,961▼ 0.9%€101,669▼ 28.4%€118,662▲ 16.7%€91,780▼ 22.7%€64,853▼ 29.3%
Debt€11,608-€58,963▲ 408%€40,014▼ 32.1%€66,732▲ 66.8%€19,795▼ 70.3%€26,916▲ 36.0%€31,647▲ 17.6%€14,270▼ 54.9%
Working capital€92,126-€83,521▼ 9.3%€84,709▲ 1.4%€59,763▼ 29.4%€71,218▲ 19.2%€83,136▲ 16.7%€59,725▼ 28.2%€50,583▼ 15.3%
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €64,853
Equity
€50,583 ▼ 15.9%
Debt
€14,270 ▼ 54.9%
Debt's share of the balance-sheet total falls from 34.5% to 22.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€4,965▲
2024 · -€3,036
Cash flow
€4,757▲
2024 · -€2,811
Current ratio
4.54▲
2024 · 2.89
Debt to equity
0.28▼
2024 · 0.53
ROE
8.6%▲
2024 · -18.3%
ROA
6.7%▲
2024 · -12.0%
Interest coverage
47.29▲
2024 · -18.42
Debt ≤ 1 year
€14,270▼
2024 · €31,647
Income taxes
€469▲
2024 · €184
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | €16,490 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,511 | €10,538 | €10,390 | €10,210 | €9,842 | €9,876 | €8,204 | €407 | ▼ 95.0% |
| Other operating charges640/8 | - | - | - | €1,475 | €1,038 | €760 | €748 | €825 | ▲ 10.2% |
| Gross operating margin9900 | €33,834 | €46,686 | €34,185 | €28,434 | €23,601 | €42,600 | -€2,288 | €5,790 | - |
| Operating profit (loss)9901 | €20,803 | €34,733 | €23,080 | €16,749 | €12,720 | €31,964 | -€11,240 | €4,558 | - |
| Financial income75/76B | - | - | - | €373 | €0 | €71 | €575 | €366 | ▼ 36.3% |
| Recurring financial income75 | - | €0 | €0 | €373 | €0 | €71 | €575 | €366 | ▼ 36.3% |
| Financial charges65/66B | - | - | - | €1,440 | €994 | €326 | €165 | €105 | ▼ 36.3% |
| Recurring financial charges65 | €748 | €738 | €1,682 | €1,440 | €994 | €326 | €165 | €105 | ▼ 36.3% |
| Profit (loss) for the period before taxes9903 | €20,055 | €33,996 | €21,399 | €15,682 | €11,727 | €31,709 | -€10,830 | €4,819 | - |
| Income taxes67/77 | €7,476 | €9,790 | €7,464 | €6,152 | €5,081 | €10,337 | €184 | €469 | ▲ 155% |
| Profit (loss) for the period9904 | €12,579 | €24,206 | €13,935 | €9,529 | €6,646 | €21,372 | -€11,014 | €4,350 | - |
| Profit (loss) for the period to be appropriated9905 | €12,579 | €24,206 | €13,935 | €9,529 | €6,646 | €21,372 | -€11,014 | €4,350 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €106,167 | €159,627 | €143,214 | €141,961 | €101,669 | €118,662 | €91,780 | €64,853 | ▼ 29.3% |
| Fixed assets21/28 | €2,432 | €36,003 | €29,850 | €19,640 | €10,657 | €8,611 | €407 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €2,432 | €36,003 | €29,850 | €19,640 | €10,657 | €8,611 | €407 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | - | - | - | €694 | €936 | €421 | €135 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | - | - | €18,946 | €9,721 | €8,190 | €272 | €0 | ▼ 100% |
| Current assets29/58 | €103,734 | €123,624 | €113,364 | €122,321 | €91,013 | €110,051 | €91,373 | €64,853 | ▼ 29.0% |
| Amounts receivable within one year40/41 | €76,816 | €95,203 | €71,401 | €81,570 | €65,779 | €3,826 | €0 | €7,732 | - |
| Other amounts receivable41 | - | - | - | €81,570 | €65,779 | €3,826 | €0 | €7,732 | - |
| Cash at bank and in hand54/58 | €24,755 | €25,352 | €38,741 | €36,900 | €22,653 | €104,292 | €89,733 | €55,853 | ▼ 37.8% |
| Deferred charges and accrued income490/1 | - | - | - | €3,851 | €2,581 | €1,934 | €1,639 | €1,268 | ▼ 22.7% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €106,167 | €159,627 | €143,214 | €141,961 | €101,669 | €118,662 | €91,780 | €64,853 | ▼ 29.3% |
| Equity10/15 | €94,558 | €100,664 | €103,199 | €75,229 | €81,875 | €91,747 | €60,133 | €50,583 | ▼ 15.9% |
| Contributions10/11 | €18,550 | €18,550 | - | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €76,008 | €82,114 | €84,649 | €56,679 | €63,325 | €73,197 | €52,597 | €38,697 | ▼ 26.4% |
| Non-distributable reserves130/1 | - | - | - | €1,855 | €1,855 | €1,855 | €1,855 | €0 | ▼ 100% |
| Reserves not available under the articles1311 | - | - | - | €1,855 | €1,855 | €1,855 | €1,855 | €0 | ▼ 100% |
| Distributable reserves133 | - | - | - | €54,824 | €61,470 | €71,342 | €50,742 | €38,697 | ▼ 23.7% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | €0 | -€11,014 | -€6,664 | ▲ 39.5% |
| Amounts payable17/49 | €11,608 | €58,963 | €40,014 | €66,732 | €19,795 | €26,916 | €31,647 | €14,270 | ▼ 54.9% |
| Amounts payable after more than one year17 | - | €18,860 | €11,360 | €3,821 | €0 | - | - | - | - |
| Financial debts170/4 | - | - | - | €3,821 | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €11,608 | €40,103 | €28,655 | €62,558 | €19,795 | €26,916 | €31,647 | €14,270 | ▼ 54.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | €7,538 | €3,801 | €0 | - | - | - |
| Trade debts44 | €5 | €1,045 | €910 | €304 | €2,301 | €20 | €661 | €0 | ▼ 100% |
| Suppliers440/4 | - | - | - | €304 | €2,301 | €20 | €661 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | - | - | €17,215 | €13,693 | €15,396 | €10,328 | €370 | ▼ 96.4% |
| Taxes450/3 | - | - | - | €17,215 | €13,693 | €15,396 | €10,328 | €370 | ▼ 96.4% |
| Other amounts payable47/48 | - | - | - | €37,500 | €0 | €11,500 | €20,659 | €13,900 | ▼ 32.7% |
| Accrued charges and deferred income492/3 | - | - | - | €353 | €0 | - | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,579 | €24,206 | €13,935 | €9,529 | €6,646 | €21,372 | -€11,014 | €4,350 | - |
| + Depreciation and write-downs630 | €9,511 | €10,538 | €10,390 | €10,210 | €9,842 | €9,876 | €8,204 | €407 | ▼ 95.0% |
| Operating cash flow (approximation) | €22,090 | €34,744 | €24,325 | €19,739 | €16,488 | €31,248 | -€2,811 | €4,757 | - |
| Investment in fixed assets (approximation) | - | -€44,109 | -€4,237 | €0 | -€859 | -€7,830 | €0 | €0 | - |
| Change in cash | - | €596 | €13,389 | -€1,841 | -€14,247 | €81,639 | -€14,558 | -€33,880 | ▼ 133% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 17 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 12-06-2026 | 2026-00155356 |
| 31-12-2024 | micro format | 14-07-2025 | 2025-00263570 |
| 31-12-2023 | micro format | 31-07-2024 | 2024-00308607 |
| 31-12-2022 | micro format | 20-07-2023 | 2023-00253398 |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20371522 |
| 31-12-2020 | micro format | 31-07-2021 | 2021-43800189 |
| 31-12-2019 | micro format | 07-08-2020 | 2020-39500517 |
| 31-12-2018 | micro format | 30-07-2019 | 2019-39700152 |
| 31-12-2017 | micro format | 30-08-2018 | 2018-54700489 |
| 31-12-2016 | micro format | 26-09-2017 | 2017-62200347 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
No directors read yet: 1 of 3 Gazette acts processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
12-06
NBB filing
Annual accounts filed
financial year 2025 · micro format
2025
31-12
Financial
Back to profitnet €4,350
Net result €4,350 after one loss-making year.
14-07
NBB filing
Annual accounts filed
financial year 2024 · micro format
2024
31-12
Financial
Weakest financial yearnet -€11,014
Net result drops to -€11,014, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
financial year 2023 · micro format
04-07
Gazette deed
Resignations: MOYSON Erwin Jean Reginald (director) and ERPELS Ilse Yvonne Louis (director)Reappointment: ERPELS Ilse Yvonne Louis (director) · Director discharge · Power of attorney11 facts ▸
Gazette deed
Resignations: MOYSON Erwin Jean Reginald (director) and ERPELS Ilse Yvonne Louis (director)
Reappointment: ERPELS Ilse Yvonne Louis (director) · Director discharge · Power of attorney11 facts ▸
- Director resignation, MOYSON Erwin Jean Reginald (director)
- Director discharge, MOYSON Erwin Jean Reginald
- Director resignation, ERPELS Ilse Yvonne Louis (director)
- Director discharge, ERPELS Ilse Yvonne Louis
- Director reappointment, ERPELS Ilse Yvonne Louis (director (not named in the articles))
- Power of attorney, Renate DE KOKER
- Registered office clause, “1785 Merchtem,Peisegemstraat 81” (deed in Dutch)
- General meeting, 27-06-2024
- Amendment of the articles (2 times)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “vormen en meerderheden statutenwijziging, opheffen” (deed in Dutch)
2023
20-07
NBB filing
Annual accounts filed
financial year 2022 · micro format
2022
31-12
Financial
Liquidity more than doubledcurrent ratio 4.60
Current ratio from 1.96 to 4.60; short-term debt falls from €62,558 to €19,795.
31-08
NBB filing
Annual accounts filed
financial year 2021 · micro format · 31 days late
2021
31-07
NBB filing
Annual accounts filed
financial year 2020 · micro format
2020
07-08
NBB filing
Annual accounts filed
financial year 2019 · micro format · 7 days late
2019
31-12
Financial
Highest result from 2018 to 2025net €24,206 ▲92.4%
Operating result €34,733, net result €24,206, both a record.
Show earlier events
31-12
Financial
Equity above €100,000equity €100,664 ▲6.5%
A profit in every financial year since 2018 builds equity to €100,664.
30-07
NBB filing
Annual accounts filed
financial year 2018 · micro format
2018
30-08
NBB filing
Annual accounts filed
financial year 2017 · micro format · 30 days late
2017
26-09
NBB filing
Annual accounts filed
financial year 2016 · micro format · 57 days late
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 17 annual accounts filed, the latest 10 are here; all 17 are under Financials.
1 of 3 deeds read
About the unread acts
Of the 3 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPrivate limited company
Founded28-08-2008
Financial year end31-12
Contact
E-mail
erwin.moyson@skynet.beMerchtem
Phone
052/371653Merchtem
E-invoicing
Not found in the Peppol Directory
No listing in the Peppol Directory under this enterprise or VAT number. That proves nothing: being listed there is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 18 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Merchtem · 1 establishment unit since 2008
Ground area
1,897 m²
Building footprint
277 m²
Building volume
1,334 m³
2 parcels, Flanders · tallest building 9.2 m. Linked by address, not a title deed.
1 establishment unit
Eril
since 2008unit no. 2.173.980.133
2 parcels
Flanders
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23052A0201/00A003 | Flanders | 1,433 m² | 1 · 171 m² | 7.4 m · 1 |
| 23052A0200/00B003 | Flanders | 464 m² | 1 · 106 m² | 9.2 m · 1 |
How the parcels are linked
Good to know
Both parcels match the address exactly.
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Alle mogelijke makelaarsverrichtingen, met name op het vlak van verzekeringen, financieringen, persoonlijke en hypothecaire leningen…” (deed in Dutch)
9 activities (deed in Dutch)
- Alle mogelijke makelaarsverrichtingen, met name op het vlak van verzekeringen, financieringen, persoonlijke en hypothecaire leningen, leasings, enzovoort
- Optreden als zelfstandig gemandateerd agent inzake allerlei verzekeringen
- Vertegenwoordiging van verzekeringsmaatschappijen
- Beheer van verzekeringsportefeuilles
- Incasseren van premies en alle verrichtingen die verband houden met verzekeringscontracten
- Expertisebureau voor schadegevallen inzake verzekeringen en verzekerde goederen
- Optreden als tussenpersoon op het vlak van beleggingen en het aantrekken van spaargelden
- Alle investerings- en financiële verrichtingen, behalve deze voorbehouden aan banken en tussenpersonen inzake financiële verrichtingen
- In strikte naleving van de Belgische en internationale wetgevingen en reglementeringen: alle vormen - optreden als bestuurder en/of zaakvoerder van vennootschappen
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- ERIL
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- One provision in the deed
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Één of meer bestuurders, algemene vergadering bepaalt aantal,duur en bij meerdere bevoegdheid” (deed in Dutch)“Algemene kosten los van representatie-,reis-en verplaatsingskosten, algemene vergadering met absolute meerderheid of enige aandeelhouder…” (deed in Dutch)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Gelijk recht in winstverdeling, inbrengen” (deed in Dutch)“Op naam, aandelen” (deed in Dutch)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Procedure-en expertisekosten helft overdrager en helft koper(s) naar evenredigheid verworven aantal, aandelen en andere effecten die recht…” (deed in Dutch)
- Share issue ruleHow and by whom new shares can be issued.
- “Ten minste vijftien dagen vanaf openstelling intekening, eerst aan bestaande aandeelhouders naar evenredigheid bezit” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Friday of May at 18:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Beslissing algemene vergadering op elk moment met vormvereisten,aanwezigheidsquorum en meerderheid Wetboek van vennootschappen en…” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Onder voorwaarden Wetboek Vennootschappen en verenigingen” (deed in Dutch)“Om welke reden en op welk ogenblik ook, bestuurder(s) in functie krachtens statuten indien geen andere vereffenaar benoemd” (deed in Dutch)