Ersalys is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €304k and a net result of €40k. Equity is growing by ~21.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 9864 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-07-2025, 25 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
25 d early
2023
2 d early
2022
24 d late
2021
16 d late
2020
23 d late
2019
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€304k▲ 15.2%
2023 · €264k
2018: €78k
2019: €128k
2020: €150k
2021: €175k
2022: €224k
2023: €264k
2018 → 2024
Net result
€40k▲ 1.9%
2023 · €39k
2018: €37k
2019: €50k
2020: €22k
2021: €26k
2022: €49k
2023: €39k
2018 → 2024
Total assets
€342k▼ 3.0%
2023 · €353k
2018: €338k
2019: €351k
2020: €353k
2021: €371k
2022: €353k
2023: €353k
2018 → 2024
Solvency
88.7%▲ 14.0pp
2023 · 74.7%
2018: 22.9%
2019: 36.5%
2020: 42.4%
2021: 47.2%
2022: 63.6%
2023: 74.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€150k-€175k▲ 17.2%€224k▲ 28.0%€264k▲ 17.6%€304k▲ 15.2%
Operating result€33k-€38k▲ 17.5%€68k▲ 78.6%€55k▼ 19.2%€57k▲ 3.4%
Net result€22k-€26k▲ 17.9%€49k▲ 91.0%€39k▼ 19.7%€40k▲ 1.9%
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 2024; 2024 is 3% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €342k
Fixed assets
€315k=
Current assets
€27k▼ 27.8%
Equity and liabilities €342k
Equity
€304k▲ 15.2%
Debt
€39k▼ 56.8%
The debt ratio falls from 25.3% to 11.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
88.7%▲
2023 · 74.7%
ROE
13.2%▼
2023 · 14.9%
ROA
11.7%▲
2023 · 11.2%
Debt
€39k▼
2023 · €89k
Debt ≤ 1 year
€39k▼
2023 · €89k
Income taxes
€14k▲
2023 · €14k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€353k€342k▼
Fixed assets21/28€315k€315k=
Financial fixed assets28€315k€315k=
Current assets29/58€38k€27k▼
Amounts receivable within one year40/41€28k€11k▼
Trade receivables40€22k€5k▼
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€7k€14k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€353k€342k▼
Equity10/15€264k€304k▲
Contributions10/11€32k€32k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€229k€269k▲
Amounts payable17/49€89k€39k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€89k€39k▼
Current portion of amounts payable after more than one year42€29k€0▼
Trade debts44€1k€927▼
Suppliers440/4€1k€927▼
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€8k▲
Other amounts payable47/48€53k€30k▼
Income statement
Code20232024
Other operating charges640/8€384€1k▲
Gross operating margin9900€56k€58k▲
Operating profit (loss)9901€55k€57k▲
Financial income75/76B€38€3▼
Recurring financial income75€38€3▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€53k€54k▲
Income taxes67/77€14k€14k▲
Profit (loss) for the period9904€39k€40k▲
Profit (loss) for the period to be appropriated9905€39k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€229k€269k▲
Profit (loss) brought forward from the previous period14P€190k€229k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
06-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
31-12
Financial
Equity above €200kEq €224k ▲28%
5 profitable years in a row build equity to €224k.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 16 days late
2021
31-12
Financial
Equity above €150kEq €175k ▲17.2%
4 profitable years in a row build equity to €175k.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 23 days late
2020
31-12
Financial
Weakest financial yearnet €22k ▼56.7%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
31-12
Financial
Highest result since 2018net €50k ▲36.2%
Operating result €69k, net result €50k, both a record.
31-12
Financial
Equity above €100kEq €128k ▲64.8%
2 profitable years in a row build equity to €128k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Oud-Heverlee · 1 establishment unit since 2017
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.
Maurits Noëstraat 73050 Oud-HeverleeGround area
1,363 m²
Building footprint
323 m²
Volume, LiDAR
1,629 m³
Parcel 24086D0042/00L000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ersalys
since 20172.265.389.666
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24086D0042/00L000 | Flanders | 1,363 m² | 1 · 323 m² | 9.2 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.