ERVEKA
ActiveERVEKA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €44k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 40% of 11185 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +25 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency49▲+20
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 0.93 in 2024), and 70.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
29.5%
Return on assets
13.5%
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 23-08-2026, 23 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 · 6 filingsDeviation from the deadline
2025
23 d late
2024
18 d late
2023
16 d late
2022
31 d late
2021
1 d late
2020
6 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▲ 45.4%
2024 · €67k
2020: €39k
2021: €42k
2022: €42k
2023: €50k
2024: €67k
2020 → 2025
Total assets
€330k▲ 9.1%
2024 · €303k
2020: €235k
2021: €258k
2022: €289k
2023: €269k
2024: €303k
2020 → 2025
Net result
€44k▲ 155%
2024 · €17k
2020: €19k
2021: €3k
2022: €570
2023: €7k
2024: €17k
2020 → 2025
Working capital
€33k
2024 · €-16k
2020: €-86k
2021: €-70k
2022: €-60k
2023: €-40k
2024: €-16k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€42k▲ 1.4%€50k▲ 16.9%€67k▲ 35.1%€97k▲ 45.4%
Operating result€11k-€12k▲ 15.2%€15k▲ 22.8%€28k▲ 87.3%€54k▲ 88.6%
Net result€3k-€570▼ 79.9%€7k▲ 1,158%€17k▲ 143%€44k▲ 155%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 89% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €330k
Fixed assets
€65k▼ 22.4%
Current assets
€265k▲ 21.0%
Equity and liabilities €330k
Equity
€97k▲ 45.4%
Debt
€233k▼ 1.3%
The debt ratio falls from 77.9% to 70.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€72k▲
2024 · €47k
Cash flow
€63k▲
2024 · €36k
Solvency
29.5%▲
2024 · 22.1%
Current ratio
1.14▲
2024 · 0.93
Quick ratio
0.35▼
2024 · 0.46
Debt / equity
2.39▼
2024 · 3.52
ROE
45.6%▲
2024 · 26.0%
ROA
13.5%▲
2024 · 5.8%
Interest coverage
23.42▲
2024 · 20.49
Debt
€233k▼
2024 · €236k
Debt ≤ 1 year
€233k▼
2024 · €236k
Income taxes
€9k▼
2024 · €11k
Staff costs
€4k▲
2024 · €2k
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€303k€330k▲
Fixed assets21/28€83k€65k▼
Intangible fixed assets21€54k€42k▼
Tangible fixed assets22/27€29k€23k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€22k€18k▼
Current assets29/58€219k€265k▲
Stocks and contracts in progress3€110k€184k▲
Stocks30/36€110k€184k▲
Amounts receivable within one year40/41€14k€19k▲
Trade receivables40€14k€14k▲
Other amounts receivable41€355€5k▲
Cash at bank and in hand54/58€94k€62k▼
Deferred charges and accrued income490/1€748€365▼
Equity and liabilities
Total equity and liabilities10/49€303k€330k▲
Equity10/15€67k€97k▲
Contributions10/11€20k€20k=
Reserves13€47k€77k▲
Distributable reserves133€47k€77k▲
Amounts payable17/49€236k€233k▼
Amounts payable within one year42/48€236k€233k▼
Trade debts44€5k€193▼
Suppliers440/4€5k€193▼
Taxes, remuneration and social security45€15k€3k▼
Taxes450/3€12k-
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€216k€229k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€54k€79k▲
Operating profit (loss)9901€28k€54k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€28k€54k▲
Income taxes67/77€11k€9k▼
Profit (loss) for the period9904€17k€44k▲
Profit (loss) for the period to be appropriated9905€17k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€44k▼
Profit (loss) brought forward from the previous period14P€30k-
Transfer to equity691/2€47k€30k▼
To other reserves6921€47k€30k▼
Profit to be distributed694/7-€14k
Directors or managers695-€14k
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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
31-12
Financial
Highest result since 2020net €44k ▲155%
Operating result €54k, net result €44k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €570 ▼79.9%
Net result drops to €570, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 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, Courcelles · 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.
Rue du Bosquet(GY) 106181 CourcellesGround area
221 m²
Building footprint
92 m²
Volume, LiDAR
814 m³
Parcel 52031B1010/00X000, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ERVEKA
since 20192.295.098.885
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52031B1010/00X000 | Wallonia | 221 m² | 1 · 92 m² | 10.6 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCourcelles2.295.098.885
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Of 404 companies in sector 46370 we hold annual accounts for 209. 150 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2019
Fiscal year end31-12
Activities, NACEBEL
46370Wholesale trade
47279Other retail sale of food
10830Manufacture of food products
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.