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Ernst@Work

Active
Private limited companyfounded 20197 yrs activeVordensteinstraat 133, 2900 Schoten, BelgiumKBO/BCE: BE 0728.448.422
Summary

Ernst@Work has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88,821 and a net result of €20,091. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 49% of 2729 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability82▲+31
Solvency70▲+8
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.84 in 2024; short-term debt: 45% and cash: 32% of total assets), and 54.8% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Four 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 7 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
45.2%
Return on assets
10.2%
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 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 filings
Deviation 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 →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

Ernst@Work was incorporated on 13 June 2019 as a Private limited company.1 Total assets rose from EUR 38,217 in 2019 to EUR 196,617 in 2025 and headcount from 0.9 to 2.7 full-time equivalents.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€88,821▲ 29.2%
2024 · €68,729
Total assets
€196,617▲ 6.0%
2024 · €185,575
Net result
€20,091▲ 662%
2024 · €2,638
Working capital
€1,727
2024 · -€15,340
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, 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€24,494▲ 58.2%-€8,038€27,098€8,271▼ 69.5%€31,347▲ 279%
Net result€18,920within the sector's middle half▲ 63.4%-€9,156below the sector's middle half€20,213within the sector's middle half€2,638within the sector's middle half▼ 87.0%€20,091within the sector's middle half▲ 662%
Equity€55,034within the sector's middle half▲ 52.4%€45,879below the sector's middle half▼ 16.6%€66,092within the sector's middle half▲ 44.1%€68,729within the sector's middle half▲ 4.0%€88,821within the sector's middle half▲ 29.2%
Total assets€91,695within the sector's middle half▲ 9.2%€156,232below the sector's middle half▲ 70.4%€180,415below the sector's middle half▲ 15.5%€185,575below the sector's middle half▲ 2.9%€196,617within the sector's middle half▲ 6.0%
Debt€36,661▼ 23.3%€110,354▲ 201%€114,323▲ 3.6%€116,845▲ 2.2%€107,796▼ 7.7%
Working capital€46,877within the sector's middle half▲ 32.9%-€1,760below the sector's middle half€10,350within the sector's middle half-€15,340below the sector's middle half€1,727within the sector's middle half
Solvency60.0%within the sector's middle half▲ 17.0pp29.4%within the sector's middle half▼ 30.7pp36.6%within the sector's middle half▲ 7.3pp37.0%within the sector's middle half▲ 0.4pp45.2%within the sector's middle half▲ 8.1pp
Current ratio2.28within the sector's middle half▲ 0.520.97below the sector's middle half▼ 1.301.12within the sector's middle half▲ 0.150.84below the sector's middle half▼ 0.281.02below the sector's middle half▲ 0.18
Return on assets (ROA)20.6%within the sector's middle half▲ 6.8pp-5.9%below the sector's middle half▼ 26.5pp11.2%within the sector's middle half▲ 17.1pp1.4%within the sector's middle half▼ 9.8pp10.2%within the sector's middle half▲ 8.8pp
Staff (FTE)3.8▲ 100%3.2within the sector's middle half▼ 15.8%2.6within the sector's middle half▼ 18.8%2.3within the sector's middle half▼ 11.5%2.7within the sector's middle half▲ 17.4%
above within below the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, 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
-€20,000€0€20,000€40,000Operating result 2021: €24,494€24,494Net result 2021: €18,920€18,920Operating result 2022: -€8,038-€8,038Net result 2022: -€9,156-€9,156Operating result 2023: €27,098€27,098Net result 2023: €20,213€20,213Operating result 2024: €8,271€8,271Net result 2024: €2,638€2,638Operating result 2025: €31,347€31,347Net result 2025: €20,091€20,09120212022202320242025€0€10,000€20,000€30,000Operating result 2023: €27,098€27,100Net result 2023: €20,213€20,200Operating result 2024: €8,271€8,270Net result 2024: €2,638€2,640Operating result 2025: €31,347€31,300Net result 2025: €20,091€20,100202320242025
The operating result recovers in 2025; 2025 is 279% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €196,617
Fixed assets €106,468 ▲ 3.7%
Current assets €90,149 ▲ 8.7%
Equity and liabilities €196,617
Equity €88,821 ▲ 29.2%
Debt €107,796 ▼ 7.7%
Debt's share of the balance-sheet total falls from 63.0% to 54.8%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€51,991▲
2024 · €11,693
Cash flow
€40,735▲
2024 · €6,060
Quick ratio
1.01▲
2024 · 0.84
Debt to equity
1.21▼
2024 · 1.70
ROE
22.6%▲
2024 · 3.8%
Interest coverage
9.20▲
2024 · 3.67
Debt ≤ 1 year
€88,422▼
2024 · €98,280
Debt > 1 year
€6,933▼
2024 · €18,565
Income taxes
€5,730▲
2024 · €2,585
Staff costs
€149,203▲
2024 · €134,769
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
3.4% stopped otherwise
95% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet Code20242025
Assets
Total assets20/58€185,575€196,617▲
Fixed assets21/28€102,634€106,468▲
Intangible fixed assets21-€34,185
Tangible fixed assets22/27€17,899€45,759▲
Plant, machinery and equipment23€3,167€18,800▲
Furniture and vehicles24€14,732€22,311▲
Other tangible fixed assets26-€4,647
Financial fixed assets28€84,735€26,525▼
Current assets29/58€82,940€90,149▲
Stocks and contracts in progress3-€970
Stocks30/36-€970
Amounts receivable within one year40/41€25,830€23,736▼
Trade receivables40€17,735€20,187▲
Other amounts receivable41€8,095€3,549▼
Cash at bank and in hand54/58€36,857€62,867▲
Deferred charges and accrued income490/1€20,253€2,575▼
Equity and liabilities
Total equity and liabilities10/49€185,575€196,617▲
Equity10/15€68,729€88,821▲
Contributions10/11€12,000€12,000=
Reserves13€54,000€76,000▲
Distributable reserves133€54,000€76,000▲
Profit (loss) carried forward14€2,729€821▼
Amounts payable17/49€116,845€107,796▼
Amounts payable after more than one year17€18,565€6,933▼
Financial debts170/4€18,565€6,933▼
Amounts payable within one year42/48€98,280€88,422▼
Current portion of amounts payable after more than one year42€11,319€11,632▲
Trade debts44€14,882€9,782▼
Suppliers440/4€14,882€9,782▼
Taxes, remuneration and social security45€50,717€44,492▼
Taxes450/3€25,548€20,177▼
Remuneration and social security454/9€25,169€24,315▼
Other amounts payable47/48€21,362€22,516▲
Accrued charges and deferred income492/3€0€12,441▲
Income statement Code20242025
Remuneration, social security and pensions62€134,769€149,203▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,422€20,644▲
Other operating charges640/8€3,736€3,172▼
Non-recurring operating charges66A€0-
Gross operating margin9900€150,199€204,367▲
Operating profit (loss)9901€8,271€31,347▲
Financial income75/76B€138€125▼
Recurring financial income75€138€125▼
Financial charges65/66B€3,186€5,651▲
Recurring financial charges65€3,186€5,651▲
Profit (loss) for the period before taxes9903€5,222€25,821▲
Income taxes67/77€2,585€5,730▲
Profit (loss) for the period9904€2,638€20,091▲
Profit (loss) for the period to be appropriated9905€2,638€20,091▲
Appropriation of the result
Profit (loss) to be appropriated9906€2,729€22,821▲
Profit (loss) brought forward from the previous period14P€92€2,729▲
Transfer to equity691/2€0€22,000▲
To other reserves6921€0€22,000▲
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.

Line20212022202320242025Change
Remuneration, social security and pensions62€75,538€128,094€116,370€134,769€149,203▲ 10.7%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,401€3,280€2,748€3,422€20,644▲ 503%
Other operating charges640/8€3,024€8,204€14,859€3,736€3,172▼ 15.1%
Non-recurring operating charges66A--€242€0--
Gross operating margin9900€104,457€131,539€161,318€150,199€204,367▲ 36.1%
Operating profit (loss)9901€24,494-€8,038€27,098€8,271€31,347▲ 279%
Financial income75/76B€124€473€1€138€125▼ 9.5%
Recurring financial income75€124€473€1€138€125▼ 9.5%
Financial charges65/66B€578€1,482€2,475€3,186€5,651▲ 77.3%
Recurring financial charges65€578€1,482€2,475€3,186€5,651▲ 77.3%
Profit (loss) for the period before taxes9903€24,040-€9,047€24,625€5,222€25,821▲ 394%
Income taxes67/77€5,120€109€4,411€2,585€5,730▲ 122%
Profit (loss) for the period9904€18,920-€9,156€20,213€2,638€20,091▲ 662%
Profit (loss) for the period to be appropriated9905€18,920-€9,156€20,213€2,638€20,091▲ 662%
Line20212022202320242025Change
Assets
Total assets20/58€91,695€156,232€180,415€185,575€196,617▲ 6.0%
Fixed assets21/28€8,158€89,537€86,614€102,634€106,468▲ 3.7%
Intangible fixed assets21----€34,185-
Tangible fixed assets22/27€7,908€4,627€1,879€17,899€45,759▲ 156%
Plant, machinery and equipment23€6,605€4,242€1,879€3,167€18,800▲ 494%
Furniture and vehicles24€1,303€386-€14,732€22,311▲ 51.4%
Other tangible fixed assets26----€4,647-
Financial fixed assets28€250€84,910€84,735€84,735€26,525▼ 68.7%
Current assets29/58€83,537€66,695€93,801€82,940€90,149▲ 8.7%
Stocks and contracts in progress3----€970-
Stocks30/36----€970-
Amounts receivable within one year40/41€20,979€10,026€38,593€25,830€23,736▼ 8.1%
Trade receivables40€16,277€5,188€36,056€17,735€20,187▲ 13.8%
Other amounts receivable41€4,702€4,839€2,537€8,095€3,549▼ 56.2%
Cash at bank and in hand54/58€60,624€39,644€51,632€36,857€62,867▲ 70.6%
Deferred charges and accrued income490/1€1,935€17,025€3,575€20,253€2,575▼ 87.3%
Equity and liabilities
Total equity and liabilities10/49€91,695€156,232€180,415€185,575€196,617▲ 6.0%
Equity10/15€55,034€45,879€66,092€68,729€88,821▲ 29.2%
Contributions10/11€12,000€12,000€12,000€12,000€12,000=
Reserves13€43,034€33,879€54,000€54,000€76,000▲ 40.7%
Distributable reserves133€43,034€33,879€54,000€54,000€76,000▲ 40.7%
Profit (loss) carried forward14--€92€2,729€821▼ 69.9%
Amounts payable17/49€36,661€110,354€114,323€116,845€107,796▼ 7.7%
Amounts payable after more than one year17-€40,900€29,885€18,565€6,933▼ 62.7%
Financial debts170/4-€40,900€29,885€18,565€6,933▼ 62.7%
Amounts payable within one year42/48€36,661€68,454€83,451€98,280€88,422▼ 10.0%
Current portion of amounts payable after more than one year42-€10,719€11,920€11,319€11,632▲ 2.8%
Trade debts44€1,991€8,111€3,414€14,882€9,782▼ 34.3%
Suppliers440/4€1,991€8,111€3,414€14,882€9,782▼ 34.3%
Taxes, remuneration and social security45€34,670€49,624€45,944€50,717€44,492▼ 12.3%
Taxes450/3€18,487€25,880€21,809€25,548€20,177▼ 21.0%
Remuneration and social security454/9€16,183€23,744€24,135€25,169€24,315▼ 3.4%
Other amounts payable47/48--€22,173€21,362€22,516▲ 5.4%
Accrued charges and deferred income492/3-€999€988€0€12,441-
Line20212022202320242025Change
Profit (loss) for the period9904€18,920-€9,156€20,213€2,638€20,091▲ 662%
+ Depreciation and write-downs630€1,401€3,280€2,748€3,422€20,644▲ 503%
Operating cash flow (approximation)€20,321-€5,875€22,961€6,060€40,735▲ 572%
Investment in fixed assets (approximation)--€84,660€175-€19,442-€24,478▼ 25.9%
Change in cash--€20,980€11,988-€14,775€26,010▲ 276%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
21-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
28-05
State Gazette act Capital & shares · Restructuring
Merger · Purpose change · Power of attorney13 facts ▸
  • General meeting, unanimous
  • Merger, fusion by absorption, fulfilment of suspensive condition
  • Purpose change
  • Power of attorney
  • Approval, approval of annual accounts, between closing of previous fiscal year and present
  • Share cancellation, aandelen, 100
  • Share issue, aandelen zonder uitgedrukte nominale waarde, 1000
  • Statutes amendment
  • Power of attorney, Patrick Knevels
  • Other statement, bestuurders, afgesloten boekjaar
  • Other statement, bestuurders, opdrachten uitgeoefend
  • Other statement, vaststelling tot stand komen fusie en overgang vermogen, fulfilment of suspensive condition
  • +1 further facts in this act
06-03
State Gazette act Restructuring
Merger · Accounting effect · Net-asset statement10 facts ▸
  • Merger, absorption
  • Accounting effect, 01-01-2026
  • Net-asset statement, 31-12-2025
  • Shareholding, 155, 100%
  • Shareholding, 100%
  • Capital, €12.000
  • Capital
  • Merger condition, no new shares issued
  • Merger condition, no special rights or benefits
  • Merger condition, costs borne by absorbing company with indemnity
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 €20,213
Net result €20,213 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 -€9,156
Net result drops to -€9,156, 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 milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 5 acts read
About the unread acts

Of the 5 Belgian State Gazette acts we know for this company, 2 have been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 2. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Schoten · 1 establishment unit since 2019
seat establishment approximate The establishment unit on the map
Ground 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.
2 companies at this address See who is registered here
1 establishment unit
Ernst@Work
Vordensteinstraat 113, 2900 SchotenComputer programming, consultancy and related activities
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
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Articles of association

Purpose
Ontwikkelen en supports van websites en software, beheer van databanken, consulting, opleidingen en marketing, handel in hard- en software, digitale en analoge beeldvorming…
Full purpose

Ontwikkelen en supports van websites en software, beheer van databanken, consulting, opleidingen en marketing, handel in hard- en software, digitale en analoge beeldvorming; webmaster en hosting; ontwerpen en programmeren van computerprogramma's; herstelling van computers; webdesign; eCommerce; overige diensten op het gebied van informatietechnologie en computers; beheer en uitbreiding van onroerend vermogen; verwerven van participaties; borgstellen, voorschotten toestaan, kredieten verlenen; beheer en exploitatie van sportcentra, fitnesscentra, gymnastiekzalen; organisatie van sportevenementen; verkoop via automaten van dranken en eetwaren; klein- en groothandel in sportartikelen, voeding en verzorgingsartikelen; voedingsconsulent; begeleiding van personen; uitbating van welness.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 31-12-2025 list no shareholders, and no other source names one.

Holdings 1

According to the 2025 annual accounts of Ernst@Work 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.

Acquisitions and mergers

1 transaction
Took over:Fast Castle bv
BE 0749.550.573silent merger · proposal · State Gazette act of 06-03-2026 (2 acts)

Capital and shareholders

Shareholders according to the acts
Stated in the act act of 06-03-2026 ↗
  • Ernst Thom 100%

The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 06-03-2026 Capital stated in the act · 12,000 EUR · 100 shares

Recognitions · licences · registrations

Legal Entity Identifier

894500BHV94W5KYKQA79
no longer live in the LEI register

Similar companies · same sector, comparable size

Of 30,008 companies in sector 62200 we hold annual accounts for 18,398. 15,588 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
Founded13-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
63100Computing infrastructure, data processing, hosting and related activities
63910Web portal activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0728448422
Also 9925:BE0728448422
Registered 10-06-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.