ERNO
ActiveSummary
ERNO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€133,026) and a net result of -€22,351. Equity is shrinking by ~32.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 5587 sector peers (fiscal year 2025). The company has been active since 2004 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 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
40 d early
2024
on the day
2023
40 d early
2022
20 d early
2021
20 d early
2020
17 d early
2019
4 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 20 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 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 11 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
-€133,026▼ 20.2%
2024 · -€110,675
Net result
-€22,351▲ 23.9%
2024 · -€29,366
Total assets
€164,508▼ 11.3%
2024 · €185,399
Solvency
-80.9%▼ 21.2pp
2024 · -59.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,275▼ 7.8%-€11,369▼ 792%-€26,112▼ 130%-€27,518▼ 5.4%-€21,567▲ 21.6%
Net result-€2,153below the sector's middle half▼ 4.6%-€12,244below the sector's middle half▼ 469%-€26,987below the sector's middle half▼ 120%-€29,366below the sector's middle half▼ 8.8%-€22,351below the sector's middle half▲ 23.9%
Equity-€42,078below the sector's middle half▼ 5.4%-€54,322below the sector's middle half▼ 29.1%-€81,310below the sector's middle half▼ 49.7%-€110,675below the sector's middle half▼ 36.1%-€133,026below the sector's middle half▼ 20.2%
Total assets€134,647within the sector's middle half▼ 1.6%€212,918within the sector's middle half▲ 58.1%€214,970below the sector's middle half▲ 1.0%€185,399below the sector's middle half▼ 13.8%€164,508below the sector's middle half▼ 11.3%
Debt€176,725=€267,240▲ 51.2%€296,279▲ 10.9%€296,074▼ 0.1%€297,534▲ 0.5%
Working capital€9,147within the sector's middle half▼ 19.0%-€4,322within the sector's middle half-€59,385within the sector's middle half▼ 1,274%-€60,675within the sector's middle half▼ 2.2%-€83,026within the sector's middle half▼ 36.8%
Solvency-31.3%below the sector's middle half▼ 2.1pp-25.5%below the sector's middle half▲ 5.7pp-37.8%below the sector's middle half▼ 12.3pp-59.7%below the sector's middle half▼ 21.9pp-80.9%below the sector's middle half▼ 21.2pp
Current ratio19.29above the sector's middle half▼ 4.300.95within the sector's middle half▼ 18.340.51within the sector's middle half▼ 0.440.50within the sector's middle half▼ 0.010.32within the sector's middle half▼ 0.18
Return on assets (ROA)-1.6%below the sector's middle half▼ 0.1pp-5.8%below the sector's middle half▼ 4.2pp-12.6%below the sector's middle half▼ 6.8pp-15.8%below the sector's middle half▼ 3.3pp-13.6%below the sector's middle half▲ 2.3pp
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 or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €21,567 in 2025 against €27,518 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €164,508
Fixed assets
€125,000 =
Current assets
€39,508 ▼ 34.6%
Key figures and ratios
Debt ≤ 1 year
€122,534▲
2024 · €121,074
Debt > 1 year
€175,000=
2024 · €175,000
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 |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €62 | €410 | €893 | €449 | ▼ 49.7% |
| Gross operating margin9900 | -€866 | -€11,307 | -€25,703 | -€26,625 | -€21,118 | ▲ 20.7% |
| Operating profit (loss)9901 | -€1,275 | -€11,369 | -€26,112 | -€27,518 | -€21,567 | ▲ 21.6% |
| Financial income75/76B | - | - | - | €175 | €140 | ▼ 20.3% |
| Recurring financial income75 | - | - | - | €175 | €140 | ▼ 20.3% |
| Financial charges65/66B | - | €875 | €875 | €2,023 | €923 | ▼ 54.4% |
| Recurring financial charges65 | €877 | €875 | €875 | €2,023 | €923 | ▼ 54.4% |
| Profit (loss) for the period before taxes9903 | -€2,153 | -€12,244 | -€26,987 | -€29,366 | -€22,351 | ▲ 23.9% |
| Profit (loss) for the period9904 | -€2,153 | -€12,244 | -€26,987 | -€29,366 | -€22,351 | ▲ 23.9% |
| Profit (loss) for the period to be appropriated9905 | -€2,153 | -€12,244 | -€26,987 | -€29,366 | -€22,351 | ▲ 23.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €134,647 | €212,918 | €214,970 | €185,399 | €164,508 | ▼ 11.3% |
| Fixed assets21/28 | €125,000 | €125,000 | €153,075 | €125,000 | €125,000 | = |
| Financial fixed assets28 | €125,000 | €125,000 | €153,075 | €125,000 | €125,000 | = |
| Current assets29/58 | €9,647 | €87,918 | €61,894 | €60,399 | €39,508 | ▼ 34.6% |
| Amounts receivable within one year40/41 | - | €1,391 | €1,663 | €2,213 | €3,675 | ▲ 66.1% |
| Trade receivables40 | - | €1,250 | €1,375 | €1,845 | €3,675 | ▲ 99.2% |
| Other amounts receivable41 | - | €141 | €288 | €368 | - | - |
| Cash at bank and in hand54/58 | €9,647 | €86,527 | €60,231 | €58,186 | €35,833 | ▼ 38.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €134,647 | €212,918 | €214,970 | €185,399 | €164,508 | ▼ 11.3% |
| Equity10/15 | -€42,078 | -€54,322 | -€81,310 | -€110,675 | -€133,026 | ▼ 20.2% |
| Contributions10/11 | - | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Reserves13 | €451 | €451 | €451 | €451 | €451 | = |
| Non-distributable reserves130/1 | - | €23 | €23 | €23 | €0 | ▼ 100% |
| Reserves not available under the articles1311 | - | €23 | €23 | €23 | €0 | ▼ 100% |
| Distributable reserves133 | - | €428 | €428 | €428 | €451 | ▲ 5.3% |
| Profit (loss) carried forward14 | -€61,529 | -€73,773 | -€100,760 | -€130,126 | -€152,477 | ▼ 17.2% |
| Amounts payable17/49 | €176,725 | €267,240 | €296,279 | €296,074 | €297,534 | ▲ 0.5% |
| Amounts payable after more than one year17 | €175,000 | €175,000 | €175,000 | €175,000 | €175,000 | = |
| Other amounts payable178/9 | - | €175,000 | €175,000 | €175,000 | €175,000 | = |
| Amounts payable within one year42/48 | €500 | €92,240 | €121,279 | €121,074 | €122,534 | ▲ 1.2% |
| Trade debts44 | - | - | €764 | €1,059 | €423 | ▼ 60.1% |
| Suppliers440/4 | - | - | €764 | €1,059 | €423 | ▼ 60.1% |
| Taxes, remuneration and social security45 | - | €6,740 | €6,940 | €6,940 | €9,036 | ▲ 30.2% |
| Taxes450/3 | - | €4,740 | €4,740 | €4,740 | €6,536 | ▲ 37.9% |
| Remuneration and social security454/9 | - | €2,000 | €2,200 | €2,200 | €2,500 | ▲ 13.6% |
| Other amounts payable47/48 | - | €85,500 | €113,575 | €113,075 | €113,075 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,153 | -€12,244 | -€26,987 | -€29,366 | -€22,351 | ▲ 23.9% |
| Operating cash flow (approximation) | -€2,153 | -€12,244 | -€26,987 | -€29,366 | -€22,351 | ▲ 23.9% |
| Investment in fixed assets (approximation) | - | €0 | -€28,075 | €28,075 | €0 | ▼ 100% |
| Change in cash | - | €76,880 | -€26,296 | -€2,045 | -€22,353 | ▼ 993% |
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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet -€29,366
Net result drops to -€29,366, the lowest in the series; recovery starts the following year.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-01
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.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Hamont-Achel · 1 establishment unit since 2005
Ground area
2,375 m²
Building footprint
444 m²
Volume, LiDAR
2,394 m³
Parcel 72001A0556/00F000, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
ERNO
since 20052.145.292.877
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72001A0556/00F000 | Flanders | 2,375 m² | 1 · 444 m² | 11.7 m · 2 fl. |
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 30-06-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the annual accounts to 30-06-2025 of ERNO 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 7,340 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-12-2004
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0870886982
Registered
26-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.