ESB-GROUP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.70M and a net result of €274k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 61% of 5507 sector peers (fiscal year 2025). The company has been active since 2012 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
127 d early
2023
69 d early
2022
18 d early
2021
31 d early
2020
23 d early
2019
23 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.70M▲ 35.7%
2024 · €1.25M
2018: €252k
2019: €406k
2020: €563k
2021: €681k
2022: €811k
2023: €1.03M
2024: €1.25M
2018 → 2025
Net result
€274k▼ 21.0%
2024 · €347k
2018: €78k
2019: €214k
2020: €196k
2021: €158k
2022: €191k
2023: €315k
2024: €347k
2018 → 2025
Total assets
€2.67M▲ 14.8%
2024 · €2.33M
2018: €794k
2019: €909k
2020: €1.50M
2021: €1.58M
2022: €1.73M
2023: €2.01M
2024: €2.33M
2018 → 2025
Solvency
63.6%▲ 9.8pp
2024 · 53.8%
2018: 31.8%
2019: 44.7%
2020: 37.5%
2021: 43.1%
2022: 46.8%
2023: 51.1%
2024: 53.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€681k-€811k▲ 19.2%€1.03M▲ 26.5%€1.25M▲ 22.1%€1.70M▲ 35.7%
Operating result€40k-€192k▲ 381%€250k▲ 30.5%€458k▲ 83.2%€257k▼ 44.0%
Net result€158k-€191k▲ 20.6%€315k▲ 65.3%€347k▲ 10.0%€274k▼ 21.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.67M
Fixed assets
€912k▲ 56.7%
Current assets
€1.76M▲ 0.9%
Equity and liabilities €2.67M
Equity
€1.70M▲ 35.7%
Debt
€972k▼ 9.5%
The debt ratio falls from 46.2% to 36.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
63.6%▲
2024 · 53.8%
ROE
16.1%▼
2024 · 27.7%
ROA
10.2%▼
2024 · 14.9%
Debt
€972k▼
2024 · €1.07M
Debt ≤ 1 year
€962k▼
2024 · €1.05M
Debt > 1 year
€9k▼
2024 · €28k
Income taxes
€75k▼
2024 · €101k
Staff costs
€296k▲
2024 · €202k
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€2.33M€2.67M▲
Fixed assets21/28€582k€912k▲
Tangible fixed assets22/27€108k€106k▼
Plant, machinery and equipment23€150€87▼
Furniture and vehicles24€33k€34k▲
Other tangible fixed assets26€75k€72k▼
Financial fixed assets28€474k€806k▲
Current assets29/58€1.75M€1.76M▲
Stocks and contracts in progress3€79k€98k▲
Stocks30/36€79k€98k▲
Amounts receivable within one year40/41€1.07M€872k▼
Trade receivables40€1.01M€815k▼
Other amounts receivable41€52k€57k▲
Current investments50/53€257k€285k▲
Cash at bank and in hand54/58€294k€451k▲
Deferred charges and accrued income490/1€49k€54k▲
Equity and liabilities
Total equity and liabilities10/49€2.33M€2.67M▲
Equity10/15€1.25M€1.70M▲
Contributions10/11€108k€118k▲
Revaluation surpluses12-€273k
Reserves13€1.01M€1.10M▲
Non-distributable reserves130/1€11k-
Reserves not available under the articles1311€11k-
Distributable reserves133€1.00M€1.10M▲
Profit (loss) carried forward14€135k€208k▲
Amounts payable17/49€1.07M€972k▼
Amounts payable after more than one year17€28k€9k▼
Financial debts170/4€28k€9k▼
Amounts payable within one year42/48€1.05M€962k▼
Current portion of amounts payable after more than one year42€80k€81k▲
Trade debts44€743k€725k▼
Suppliers440/4€743k€724k▼
Bills of exchange payable441-€746
Taxes, remuneration and social security45€103k€57k▼
Taxes450/3€80k€25k▼
Remuneration and social security454/9€23k€31k▲
Other amounts payable47/48€120k€100k▼
Accrued charges and deferred income492/3€59€60▲
Income statement
Code20242025
Non-recurring operating income76A-€6k
Remuneration, social security and pensions62€202k€296k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▼
Other operating charges640/8€2k€4k▲
Non-recurring operating charges66A-€74k
Gross operating margin9900€684k€652k▼
Operating profit (loss)9901€458k€257k▼
Financial income75/76B€96k€198k▲
Recurring financial income75€96k€198k▲
Financial charges65/66B€107k€105k▼
Recurring financial charges65€17k€9k▼
Non-recurring financial charges66B€90k€96k▲
Profit (loss) for the period before taxes9903€447k€349k▼
Income taxes67/77€101k€75k▼
Profit (loss) for the period9904€347k€274k▼
Profit (loss) for the period to be appropriated9905€347k€274k▼
Appropriation of the result
Profit (loss) to be appropriated9906€455k€408k▼
Profit (loss) brought forward from the previous period14P€108k€135k▲
Transfer from equity791/2-€11k
Transfer to equity691/2€200k€111k▼
To contributions691-€11k
To other reserves6921€200k€100k▼
Profit to be distributed694/7€120k€100k▼
Directors or managers695€120k€100k▼
Social balance
Average headcount (FTE)90873.03.4▲
The notes to these accounts (20 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €347k ▲10%
Operating result €458k, net result €347k, both a record.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €1MEq €1.03M ▲26.5%
6 profitable years in a row build equity to €1.03M.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €500kEq €563k ▲38.5%
3 profitable years in a row build equity to €563k.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Zemst · 1 establishment unit since 2013
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.
Zemstsesteenweg 11981 ZemstGround area
353 m²
Building footprint
39 m²
Volume, LiDAR
244 m³
Parcel 23034A0390/00W000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ESB-GROUP
since 20132.215.624.609
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23034A0390/00W000 | Flanders | 353 m² | 1 · 39 m² | 6.5 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 149 EUR awarded · 149 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 149 EUR | 149 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 11,388 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
46150Agents in the wholesale of furniture, household goods and hardware
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.