ERPA
ActiveERPA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €335k and a net result of €35k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 4472 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 18.83 against 10.26 in 2024; short-term debt: 5% of total assets), and 6.3% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
93.7%
Return on assets
9.7%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-02-2026, 1 day 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
1 d late
2024
5 d early
2023
5 d late
2022
8 d early
2021
5 d early
2020
23 d late
2019
10 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€335k▲ 11.6%
2024 · €300k
2019: €192k
2020: €227k
2021: €239k
2022: €258k
2023: €279k
2024: €300k
2019 → 2025
Total assets
€357k▲ 4.7%
2024 · €341k
2019: €236k
2020: €279k
2021: €288k
2022: €324k
2023: €332k
2024: €341k
2019 → 2025
Net result
€35k▲ 67.4%
2024 · €21k
2019: €9k
2020: €35k
2021: €12k
2022: €19k
2023: €21k
2024: €21k
2019 → 2025
Working capital
€321k▲ 13.3%
2024 · €283k
2019: €111k
2020: €207k
2021: €218k
2022: €230k
2023: €260k
2024: €283k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€239k-€258k▲ 8.0%€279k▲ 8.3%€300k▲ 7.4%€335k▲ 11.6%
Operating result€32k-€37k▲ 14.6%€37k▼ 0.1%€34k▼ 9.2%€37k▲ 9.7%
Net result€12k-€19k▲ 59.6%€21k▲ 12.1%€21k▼ 2.9%€35k▲ 67.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €357k
Fixed assets
€19k▼ 32.8%
Current assets
€339k▲ 8.0%
Equity and liabilities €357k
Equity
€335k▲ 11.6%
Debt
€23k▼ 45.2%
The debt ratio falls from 12.1% to 6.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€50k▲
2024 · €46k
Cash flow
€48k▲
2024 · €34k
Solvency
93.7%▲
2024 · 87.9%
Current ratio
18.83▲
2024 · 10.26
Quick ratio
18.83▲
2024 · 10.26
Debt / equity
0.07▼
2024 · 0.14
ROE
10.4%▲
2024 · 6.9%
ROA
9.7%▲
2024 · 6.1%
Interest coverage
41.76▲
2024 · 33.27
Debt
€23k▼
2024 · €41k
Debt ≤ 1 year
€18k▼
2024 · €31k
Debt > 1 year
€5k▼
2024 · €11k
Income taxes
€986▼
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€341k€357k▲
Fixed assets21/28€28k€19k▼
Tangible fixed assets22/27€28k€19k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€23k€15k▼
Current assets29/58€314k€339k▲
Amounts receivable within one year40/41€303k€339k▲
Trade receivables40€2k€21k▲
Other amounts receivable41€301k€318k▲
Cash at bank and in hand54/58€11k-
Equity and liabilities
Total equity and liabilities10/49€341k€357k▲
Equity10/15€300k€335k▲
Contributions10/11€6k€6k=
Capital10€6k-
Issued capital100€19k-
Uncalled capital101€12k-
Reserves13€29k€29k=
Tax-exempt reserves132€29k€29k=
Profit (loss) carried forward14€265k€300k▲
Amounts payable17/49€41k€23k▼
Amounts payable after more than one year17€11k€5k▼
Financial debts170/4€11k€5k▼
Amounts payable within one year42/48€31k€18k▼
Current portion of amounts payable after more than one year42€10k€6k▼
Financial debts43-€211
Credit institutions430/8-€211
Trade debts44€9k€12k▲
Suppliers440/4€9k€12k▲
Taxes, remuneration and social security45€12k-
Taxes450/3€12k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€2k€8k▲
Gross operating margin9900€49k€58k▲
Operating profit (loss)9901€34k€37k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Non-recurring financial charges66B€1k€1k▼
Profit (loss) for the period before taxes9903€32k€36k▲
Income taxes67/77€12k€986▼
Profit (loss) for the period9904€21k€35k▲
Profit (loss) for the period to be appropriated9905€21k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€265k€300k▲
Profit (loss) brought forward from the previous period14P€244k€265k▲
The notes to these accounts (7 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
01-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
26-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
30-06
Financial
Highest result since 2019net €35k ▲283%
Operating result €39k, net result €35k, both a record.
30-06
Financial
Liquidity triplescurrent ratio 16.76
Current ratio from 6.13 to 16.76; short-term debt falls from €22k to €13k.
30-06
Financial
Equity above €200kEq €227k ▲18.1%
2 profitable years in a row build equity to €227k.
10-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 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, Aalter · 1 establishment unit since 1995
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.
Nevelestraat 819880 AalterGround area
1,789 m²
Building footprint
182 m²
Volume, LiDAR
128 m³
Parcel 44035C0586/00B002, Flanders · tallest building 8.0 m. Linked by address, not a title deed.
1 establishment unit
ERPA
since 19952.072.539.612
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44035C0586/00B002 | Flanders | 1,789 m² | 1 · 182 m² | 8.0 m |
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
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PEETERS RUIMDIENST
BE 0871.584.293
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KARMA CONSTRUCT
BE 0837.794.641
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De Voeg
BE 0505.933.291
Wortegem-Petegem · Eq €339k
Of 7,012 companies in sector 81220 we hold annual accounts for 2,415. 1,591 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-1995
Fiscal year end30-06
Activities, NACEBEL
74700
81220Other building cleaning and industrial cleaning
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.