Ervila
ActiveSummary
Ervila has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.7m and a net result of €2.8m. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+26
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220,000 at 30 days acceptable
Liquidity ample (current ratio 31.18 against 4.26 in 2024; short-term debt: 3.2% and cash: 0.8% of total assets), and 3.2% 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 · 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
96.8%
Return on assets
100.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Civil engineering (NACE 42)
about 27% more bankruptcies
← 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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-09-2026, 42 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
42 d late
2024
8 d early
2023
13 d early
2022
28 d early
2021
10 d late
2020
25 d late
2019
24 d early
← 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 1 day after the deadline; the sector median for financial year 2024 is 2 days before the deadline, and 41% 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 23 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#1 company by equity in Affligem, Construction sector#2 company by total assets in Affligem, Construction sector
Equity
€2.7m▲ 1,971%
2024 · €129,745
Total assets
€2.8m▲ 1,607%
2024 · €162,605
Net result
€2.8m▲ 11,650%
2024 · €23,767
Working capital
€2.7m▲ 2,411%
2024 · €107,017
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 42, Civil engineering, 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€21,477▼ 21.5%€6,805▼ 68.3%€26,685▲ 292%€32,820▲ 23.0%€2.8m▲ 8,477%
Net result€15,703within the sector's middle half▼ 23.5%€3,508within the sector's middle half▼ 77.7%€19,335within the sector's middle half▲ 451%€23,767within the sector's middle half▲ 22.9%€2.8mabove the sector's middle half▲ 11,650%
Equity€83,135within the sector's middle half▲ 23.3%€86,642within the sector's middle half▲ 4.2%€105,978within the sector's middle half▲ 22.3%€129,745above the sector's middle half▲ 22.4%€2.7mabove the sector's middle half▲ 1,971%
Total assets€107,996within the sector's middle half▲ 8.3%€122,050within the sector's middle half▲ 13.0%€153,620within the sector's middle half▲ 25.9%€162,605within the sector's middle half▲ 5.8%€2.8mabove the sector's middle half▲ 1,607%
Debt€24,861▼ 23.0%€35,408▲ 42.4%€47,643▲ 34.6%€32,860▼ 31.0%€89,042▲ 171%
Working capital€67,392within the sector's middle half▲ 31.0%€71,147within the sector's middle half▲ 5.6%€90,564above the sector's middle half▲ 27.3%€107,017above the sector's middle half▲ 18.2%€2.7mabove the sector's middle half▲ 2,411%
Solvency77.0%above the sector's middle half▲ 9.4pp71.0%above the sector's middle half▼ 6.0pp69.0%above the sector's middle half▼ 2.0pp79.8%above the sector's middle half▲ 10.8pp96.8%above the sector's middle half▲ 17.0pp
Current ratio3.71above the sector's middle half▲ 1.123.01above the sector's middle half▼ 0.702.90within the sector's middle half▼ 0.114.26above the sector's middle half▲ 1.3631.18above the sector's middle half▲ 26.92
Return on assets (ROA)14.5%within the sector's middle half▼ 6.0pp2.9%within the sector's middle half▼ 11.7pp12.6%within the sector's middle half▲ 9.7pp14.6%within the sector's middle half▲ 2.0pp100.6%above the sector's middle half▲ 86.0pp
above
within
below
the middle half (P25 to P75) of NACE 42, Civil engineering, 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.
Why a figure moved sharply
- 2025 Net result +11,650% on 2024. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 8,477% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €2.8m
Equity
€2.7m ▲ 1,971%
Debt
€89,042 ▲ 171%
Debt's share of the balance-sheet total falls from 20.2% to 3.2%. Equity and debt are higher.
Key figures and ratios
Debt to equity
0.03▼
2024 · 0.25
ROE
103.9%▲
2024 · 18.3%
Debt ≤ 1 year
€89,042▲
2024 · €32,860
Income taxes
€26,813▲
2024 · €7,327
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,811 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.3%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.5% 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%.
| 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 17,811 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €124 | - | - | - | €3.0m | - |
| Remuneration, social security and pensions62 | - | €289 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €248 | €248 | €81 | - | - | - |
| Other operating charges640/8 | €1,921 | €2,469 | €1,164 | €491 | €400 | ▼ 18.6% |
| Gross operating margin9900 | €23,646 | €9,811 | €27,931 | €33,311 | €2.8m | ▲ 8,352% |
| Operating profit (loss)9901 | €21,477 | €6,805 | €26,685 | €32,820 | €2.8m | ▲ 8,477% |
| Financial income75/76B | €0 | €0 | - | €3 | €5,511 | ▲ 179,996% |
| Recurring financial income75 | €0 | €0 | - | €3 | €5,511 | ▲ 179,996% |
| Financial charges65/66B | €443 | €808 | €778 | €1,729 | €1,060 | ▼ 38.7% |
| Recurring financial charges65 | €443 | €808 | €778 | €1,729 | €1,060 | ▼ 38.7% |
| Profit (loss) for the period before taxes9903 | €21,034 | €5,997 | €25,907 | €31,095 | €2.8m | ▲ 8,967% |
| Income taxes67/77 | €5,331 | €2,489 | €6,572 | €7,327 | €26,813 | ▲ 266% |
| Profit (loss) for the period9904 | €15,703 | €3,508 | €19,335 | €23,767 | €2.8m | ▲ 11,650% |
| Profit (loss) for the period to be appropriated9905 | €15,703 | €3,508 | €19,335 | €23,767 | €2.8m | ▲ 11,650% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €107,996 | €122,050 | €153,620 | €162,605 | €2.8m | ▲ 1,607% |
| Fixed assets21/28 | €15,743 | €15,495 | €15,414 | €22,728 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €329 | €81 | - | - | - | - |
| Plant, machinery and equipment23 | €329 | €81 | - | - | - | - |
| Financial fixed assets28 | €15,414 | €15,414 | €15,414 | €22,728 | €0 | ▼ 100% |
| Current assets29/58 | €92,253 | €106,555 | €138,206 | €139,877 | €2.8m | ▲ 1,885% |
| Amounts receivable within one year40/41 | €88,093 | €106,555 | €138,206 | €136,919 | €30,294 | ▼ 77.9% |
| Trade receivables40 | - | €3,630 | €8,234 | - | €27,625 | - |
| Other amounts receivable41 | €88,093 | €102,925 | €129,972 | €136,919 | €2,669 | ▼ 98.1% |
| Current investments50/53 | - | - | - | - | €2.7m | - |
| Cash at bank and in hand54/58 | €4,160 | - | - | €2,958 | €23,494 | ▲ 694% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €107,996 | €122,050 | €153,620 | €162,605 | €2.8m | ▲ 1,607% |
| Equity10/15 | €83,135 | €86,642 | €105,978 | €129,745 | €2.7m | ▲ 1,971% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €62,675 | €66,182 | €85,518 | €109,285 | €2.7m | ▲ 2,340% |
| Amounts payable17/49 | €24,861 | €35,408 | €47,643 | €32,860 | €89,042 | ▲ 171% |
| Amounts payable within one year42/48 | €24,861 | €35,408 | €47,643 | €32,860 | €89,042 | ▲ 171% |
| Current portion of amounts payable after more than one year42 | - | - | - | €1,268 | - | - |
| Financial debts43 | - | €3,864 | €4,675 | - | - | - |
| Credit institutions430/8 | - | €3,864 | €4,675 | - | - | - |
| Trade debts44 | €298 | €3,454 | €4,356 | €481 | €877 | ▲ 82.3% |
| Suppliers440/4 | €298 | €3,454 | €4,356 | €481 | €877 | ▲ 82.3% |
| Taxes, remuneration and social security45 | €24,563 | €28,090 | €38,611 | €31,111 | €29,394 | ▼ 5.5% |
| Taxes450/3 | €24,563 | €28,090 | €38,611 | €31,111 | €29,394 | ▼ 5.5% |
| Other amounts payable47/48 | - | - | - | - | €58,771 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,703 | €3,508 | €19,335 | €23,767 | €2.8m | ▲ 11,650% |
| + Depreciation and write-downs630 | €248 | €248 | €81 | - | - | - |
| Operating cash flow (approximation) | €15,951 | €3,755 | €19,417 | €23,767 | €2.8m | ▲ 11,650% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€7,314 | €22,728 | ▲ 411% |
| Change in cash | - | - | - | - | €20,535 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 42 days late
2025
31-12
Financial
Highest result since 2018net €2.8m ▲11,650%
Operating result €2.8m, net result €2.8m, both a record.
31-12
Financial
Liquidity times 7current ratio 31.18
Current ratio from 4.26 to 31.18.
31-12
Financial
Equity above €2mEq €2.7m ▲1,971%
8 profitable years in a row build equity to €2.7m.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100,000Eq €105,978 ▲22.3%
6 profitable years in a row build equity to €105,978.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €3,508 ▼77.7%
Net result drops to €3,508, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Affligem · 1 establishment unit since 2014
Ground area
2,699 m²
Building footprint
302 m²
Volume, LiDAR
1,889 m³
2 parcels, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ERVILA E-BVBA
since 20142.232.824.687
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23030B0426/00A002 | Flanders | 1,755 m² | 1 · 203 m² | 9.6 m · 2 fl. |
| 23030B0426/00W000 | Flanders | 944 m² | 1 · 99 m² | 10.1 m · 2 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 1
-
18.33%
According to the 2024 annual accounts of Ervila 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.
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Of 1,823 companies in sector 42220 we hold annual accounts for 957. 264 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
Founded29-04-2014
Fiscal year end31-12
Activities, NACEBEL 2025
42220Construction of utility projects for electricity and telecommunications
46180Agents specialised in the wholesale of other particular products
E-invoicing
Reachable via Peppol
Peppol ID
0208:0550988110
Also
9925:BE0550988110
Registered
18-12-2025
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.