ERKO Technieken
ActiveERKO Technieken has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €444k and a net result of €53k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 41% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
83
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▼-32
Solvency83=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.4 against 2.03 in 2024), but 60.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
39.4%
Return on assets
4.7%
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 27-08-2026, 27 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
27 d late
2024
30 d late
2023
22 d late
2022
27 d late
2021
31 d late
2020
39 d early
2019
49 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€444k▼ 2.5%
2024 · €455k
2018: €116k
2019: €202k
2020: €266k
2021: €360k
2022: €387k
2023: €444k
2024: €455k
2018 → 2025
Total assets
€1.13M▼ 2.3%
2024 · €1.15M
2018: €190k
2019: €285k
2020: €362k
2021: €473k
2022: €592k
2023: €648k
2024: €1.15M
2018 → 2025
Net result
€53k▼ 36.9%
2024 · €84k
2018: €40k
2019: €86k
2020: €64k
2021: €94k
2022: €75k
2023: €87k
2024: €84k
2018 → 2025
Working capital
€331k▲ 8.2%
2024 · €305k
2018: €121k
2019: €200k
2020: €253k
2021: €343k
2022: €368k
2023: €401k
2024: €305k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€360k-€387k▲ 7.6%€444k▲ 14.6%€455k▲ 2.6%€444k▼ 2.5%
Operating result€132k-€101k▼ 23.9%€106k▲ 5.5%€126k▲ 18.6%€84k▼ 33.5%
Net result€94k-€75k▼ 19.6%€87k▲ 15.1%€84k▼ 3.0%€53k▼ 36.9%
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 33% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.13M
Fixed assets
€560k▲ 1.4%
Current assets
€567k▼ 5.8%
Equity and liabilities €1.13M
Equity
€444k▼ 2.5%
Debt
€683k▼ 2.3%
The debt ratio stays at 60.6%.
Key figures and ratios
EBITDA
€112k▼
2024 · €142k
Cash flow
€81k▼
2024 · €100k
Solvency
39.4%▼
2024 · 39.5%
Current ratio
2.40▲
2024 · 2.03
Quick ratio
2.40▲
2024 · 2.03
Debt / equity
1.54▲
2024 · 1.53
ROE
12.0%▼
2024 · 18.5%
ROA
4.7%▼
2024 · 7.3%
Interest coverage
3.17▼
2024 · 10.63
Debt
€683k▼
2024 · €698k
Debt ≤ 1 year
€237k▼
2024 · €297k
Debt > 1 year
€446k▲
2024 · €402k
Income taxes
€29k▼
2024 · €71k
Staff costs
€27k▲
2024 · €12k
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€1.15M€1.13M▼
Fixed assets21/28€552k€560k▲
Tangible fixed assets22/27€551k€559k▲
Land and buildings22€516k€526k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€25k€24k▼
Other tangible fixed assets26€7k€6k▼
Financial fixed assets28€601€601=
Current assets29/58€602k€567k▼
Amounts receivable after more than one year29€497k€502k▲
Other amounts receivable291€497k€502k▲
Amounts receivable within one year40/41€68k€33k▼
Trade receivables40€51k€33k▼
Other amounts receivable41€17k€111▼
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€35k€30k▼
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.13M▼
Equity10/15€455k€444k▼
Contributions10/11€6k€6k=
Reserves13€425k€414k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€425k€414k▼
Profit (loss) carried forward14€25k€25k=
Amounts payable17/49€698k€683k▼
Amounts payable after more than one year17€402k€446k▲
Financial debts170/4€402k€446k▲
Amounts payable within one year42/48€297k€237k▼
Current portion of amounts payable after more than one year42€15k€19k▲
Financial debts43€5k€5k▲
Credit institutions430/8€5k€5k▲
Trade debts44€86k€56k▼
Suppliers440/4€86k€56k▼
Taxes, remuneration and social security45€105k€90k▼
Taxes450/3€104k€90k▼
Remuneration and social security454/9€972€298▼
Other amounts payable47/48€85k€66k▼
Income statement
Code20242025
Remuneration, social security and pensions62€12k€27k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€28k▲
Other operating charges640/8€25k€3k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€179k€143k▼
Operating profit (loss)9901€126k€84k▼
Financial income75/76B€42k€34k▼
Recurring financial income75€42k€34k▼
Financial charges65/66B€13k€35k▲
Recurring financial charges65€13k€35k▲
Profit (loss) for the period before taxes9903€155k€82k▼
Income taxes67/77€71k€29k▼
Profit (loss) for the period9904€84k€53k▼
Profit (loss) for the period to be appropriated9905€84k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€109k€78k▼
Profit (loss) brought forward from the previous period14P€25k€25k=
Transfer from equity791/2€73k€64k▼
Transfer to equity691/2€84k€53k▼
To other reserves6921€84k€53k▼
Profit to be distributed694/7€73k€64k▼
Return on contributions (dividend)694€73k€64k▼
The notes to these accounts (12 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €94k ▲45.7%
Operating result €132k, net result €94k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €202k ▲74.1%
2 profitable years in a row build equity to €202k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 276 days late
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Scherpenheuvel-Zichem · 1 establishment unit since 2015
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.
Hoevebeemden 93272 Scherpenheuvel-ZichemGround area
1,608 m²
Building footprint
192 m²
Volume, LiDAR
947 m³
Parcel 24105C0278/00F003, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ERKO TECHNIEKEN
since 20152.248.098.922
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24105C0278/00F003 | Flanders | 1,608 m² | 1 · 192 m² | 7.7 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.
Similar companies · same sector, comparable size
BD HEATING SOLUTIONS
BE 0832.951.965
Ranst · Eq €444k
LOTEC
BE 0873.568.241
Leuven · Eq €443k
ZeDreno
BE 0666.444.933
Wijnegem · Eq €443k
SANI RUBRENT
BE 0859.697.439
Oudenaarde · Eq €441k
Zon & Klaar
BE 0770.426.854
Beveren-Kruibeke-Zwijndrecht · Eq €447k
Of 6,993 companies in sector 43221 we hold annual accounts for 3,445. 2,408 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-11-2015
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.