Ernst@Work
ActiveErnst@Work has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89k and a net result of €20k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 49% of 2669 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent▲ +35 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+81
Solvency68▲+14
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.84 in 2024), and 54.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
45.2%
Return on assets
10.2%
Age of the figures
8 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 21-08-2026, 21 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 · 7 filingsDeviation from the deadline
2025
21 d late
2024
41 d late
2023
28 d late
2022
31 d late
2021
26 d late
2020
30 d late
2019
31 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€89k▲ 29.2%
2024 · €69k
2019: €25k
2020: €36k
2021: €55k
2022: €46k
2023: €66k
2024: €69k
2019 → 2025
Total assets
€197k▲ 6.0%
2024 · €186k
2019: €38k
2020: €84k
2021: €92k
2022: €156k
2023: €180k
2024: €186k
2019 → 2025
Net result
€20k▲ 662%
2024 · €3k
2019: €13k
2020: €12k
2021: €19k
2022: €-9k
2023: €20k
2024: €3k
2019 → 2025
Working capital
€2k
2024 · €-15k
2019: €26k
2020: €35k
2021: €47k
2022: €-2k
2023: €10k
2024: €-15k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€46k▼ 16.6%€66k▲ 44.1%€69k▲ 4.0%€89k▲ 29.2%
Operating result€24k-€-8k€27k€8k▼ 69.5%€31k▲ 279%
Net result€19k-€-9k€20k€3k▼ 87.0%€20k▲ 662%
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 recovers in 2025; 2025 is 279% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €197k
Fixed assets
€106k▲ 3.7%
Current assets
€90k▲ 8.7%
Equity and liabilities €197k
Equity
€89k▲ 29.2%
Debt
€108k▼ 7.7%
The debt ratio falls from 63.0% to 54.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€52k▲
2024 · €12k
Cash flow
€41k▲
2024 · €6k
Solvency
45.2%▲
2024 · 37.0%
Current ratio
1.02▲
2024 · 0.84
Quick ratio
1.01▲
2024 · 0.84
Debt / equity
1.21▼
2024 · 1.70
ROE
22.6%▲
2024 · 3.8%
ROA
10.2%▲
2024 · 1.4%
Interest coverage
9.20▲
2024 · 3.67
Debt
€108k▼
2024 · €117k
Debt ≤ 1 year
€88k▼
2024 · €98k
Debt > 1 year
€7k▼
2024 · €19k
Income taxes
€6k▲
2024 · €3k
Staff costs
€149k▲
2024 · €135k
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€186k€197k▲
Fixed assets21/28€103k€106k▲
Intangible fixed assets21-€34k
Tangible fixed assets22/27€18k€46k▲
Plant, machinery and equipment23€3k€19k▲
Furniture and vehicles24€15k€22k▲
Other tangible fixed assets26-€5k
Financial fixed assets28€85k€27k▼
Current assets29/58€83k€90k▲
Stocks and contracts in progress3-€970
Stocks30/36-€970
Amounts receivable within one year40/41€26k€24k▼
Trade receivables40€18k€20k▲
Other amounts receivable41€8k€4k▼
Cash at bank and in hand54/58€37k€63k▲
Deferred charges and accrued income490/1€20k€3k▼
Equity and liabilities
Total equity and liabilities10/49€186k€197k▲
Equity10/15€69k€89k▲
Contributions10/11€12k€12k=
Reserves13€54k€76k▲
Distributable reserves133€54k€76k▲
Profit (loss) carried forward14€3k€821▼
Amounts payable17/49€117k€108k▼
Amounts payable after more than one year17€19k€7k▼
Financial debts170/4€19k€7k▼
Amounts payable within one year42/48€98k€88k▼
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€15k€10k▼
Suppliers440/4€15k€10k▼
Taxes, remuneration and social security45€51k€44k▼
Taxes450/3€26k€20k▼
Remuneration and social security454/9€25k€24k▼
Other amounts payable47/48€21k€23k▲
Accrued charges and deferred income492/3€0€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€135k€149k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€21k▲
Other operating charges640/8€4k€3k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€150k€204k▲
Operating profit (loss)9901€8k€31k▲
Financial income75/76B€138€125▼
Recurring financial income75€138€125▼
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€5k€26k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€3k€20k▲
Profit (loss) for the period to be appropriated9905€3k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€23k▲
Profit (loss) brought forward from the previous period14P€92€3k▲
Transfer to equity691/2€0€22k▲
To other reserves6921€0€22k▲
Social balance
Average headcount (FTE)90872.32.7▲
The notes to these accounts (18 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 41 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-9k ▼148%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Schoten · 1 establishment unit since 2019
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.
Vordensteinstraat 1332900 SchotenGround area
1,086 m²
Building footprint
323 m²
Volume, LiDAR
2,507 m³
2 parcels, Flanders · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ernst@Work
since 20192.291.458.813
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11442C0263/00N007 | Flanders | 887 m² | 1 · 235 m² | 9.1 m · 3 fl. |
| 11442C0245/00Z002 | Flanders | 199 m² | 1 · 87 m² | 8.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
894500BHV94W5KYKQA79
Similar companies · same sector, comparable size
MAFIN CONSULTING
BE 0476.261.090
Namur · Eq €89k
Ziplip
BE 0506.989.702
Zwalm · Eq €89k
STEMADIGIT
BE 0759.967.680
Jabbeke · Eq €89k
Loft 33
BE 0461.210.650
Herent · Eq €89k
VDE Consult
BE 0721.392.562
Chastre · Eq €89k
Of 16,811 companies in sector 62100 we hold annual accounts for 8,749. 6,923 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2019
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.