Skip to content

ESCO-LTD

Active
Private limited companyfounded 20251 yr activeMudrahoek 26, 1070 Anderlecht, BelgiumKBO/BCE: BE 1025.955.934
Summary

ESCO-LTD has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14,708 and a net result of €12,708. Its solvency ranks better than 37% of 14462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Overview

What they do
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
1 site
How big
€101,249total assets 2025
Equity
€14,708
Profit
€12,708
Turnover not published (abridged schema)
Financially healthy?
70 Healthy Checked score 2025
Bankruptcy chance 12 m
1.0%
Who decides
Board
1 member
Accounts filed 12 d late1 of 3 deeds read
Why 70- Higher-failure-rate region- Young company+ Lower-failure-rate sector+ Annual accounts: healthy financial profileFiled after the deadlineShow the evidence

Checked score

Score 2025
Axes
Profitability69
Solvency40
Growth-
Track record67
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 5.62; short-term debt: 13.5% and cash: 73.2% of total assets), but 85.5% 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

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
14.5%
Return on assets
12.6%
Age of the figures
9 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 12-08-2026, 12 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 · 1 filing
Deviation from the deadline
2025
12 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Resignation: Pierre-Fourier Basumbintwali (director and manager)Appointment: Clarisse Umugwaneza (director and…
  2. Annual accounts filedfiscal year 2025 · micro…

Financials

Fiscal year 2025Total assets €101,249Profit €12,708Solvency 14.5%Liquidity 5.62
Total assets
€101,249
2025
Net result
€12,708
2025
Equity
€14,708
2025
Solvency
14.5%
2025

Financials · fiscal year 2025, micro schema

Trend over the years1 fiscal year

Turnover and EBIT margin not published: the micro schema does not require them.

Result and balance sheet2025
Balance-sheet composition
Assets €101,249
Fixed assets €24,500
Current assets €76,749
Equity and liabilities €101,249
Equity €14,708
Debt €86,540
Debt finances 85.5% of the balance-sheet total.
Key figures and ratios2025
Key figures and ratios
2025 value
Current ratio
5.62
Debt to equity
5.88
ROE
86.4%
ROA
12.6%
Debt ≤ 1 year
€13,650
Debt > 1 year
€72,890
Income taxes
€4,236

Peer companies

Historical observation

Of the 2,390 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
1.2% went bankrupt
2.0% stopped otherwise
97% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.0% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.8%
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 2,390 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.

Filed annual accountsfiscal year 2025
Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 33 lines
Balance sheet Code2025
Assets
Total assets20/58€101,249
Fixed assets21/28€24,500
Tangible fixed assets22/27€24,500
Assets under construction and advance payments27€24,500
Current assets29/58€76,749
Amounts receivable within one year40/41€2,650
Trade receivables40€883
Other amounts receivable41€1,767
Cash at bank and in hand54/58€74,098
Equity and liabilities
Total equity and liabilities10/49€101,249
Equity10/15€14,708
Contributions10/11€2,000
Profit (loss) carried forward14€12,708
Amounts payable17/49€86,540
Amounts payable after more than one year17€72,890
Financial debts170/4€72,890
Amounts payable within one year42/48€13,650
Trade debts44€932
Suppliers440/4€932
Taxes, remuneration and social security45€4,236
Taxes450/3€4,236
Other amounts payable47/48€8,483
Income statement Code2025
Goods, raw materials, services and sundry goods60/61€10,830
Other operating charges640/8€400
Gross operating margin9900€17,364
Operating profit (loss)9901€16,965
Financial charges65/66B€20
Recurring financial charges65€20
Profit (loss) for the period before taxes9903€16,945
Income taxes67/77€4,236
Profit (loss) for the period9904€12,708
Profit (loss) for the period to be appropriated9905€12,708
Appropriation of the result
Profit (loss) to be appropriated9906€12,708

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Goods, raw materials, services and sundry goods60/61€10,830
Other operating charges640/8€400
Gross operating margin9900€17,364
Operating profit (loss)9901€16,965
Financial charges65/66B€20
Recurring financial charges65€20
Profit (loss) for the period before taxes9903€16,945
Income taxes67/77€4,236
Profit (loss) for the period9904€12,708
Profit (loss) for the period to be appropriated9905€12,708
Line2025
Assets
Total assets20/58€101,249
Fixed assets21/28€24,500
Tangible fixed assets22/27€24,500
Assets under construction and advance payments27€24,500
Current assets29/58€76,749
Amounts receivable within one year40/41€2,650
Trade receivables40€883
Other amounts receivable41€1,767
Cash at bank and in hand54/58€74,098
Equity and liabilities
Total equity and liabilities10/49€101,249
Equity10/15€14,708
Contributions10/11€2,000
Profit (loss) carried forward14€12,708
Amounts payable17/49€86,540
Amounts payable after more than one year17€72,890
Financial debts170/4€72,890
Amounts payable within one year42/48€13,650
Trade debts44€932
Suppliers440/4€932
Taxes, remuneration and social security45€4,236
Taxes450/3€4,236
Other amounts payable47/48€8,483
Line2025
Profit (loss) for the period9904€12,708
Operating cash flow (approximation)€12,708

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Comparable companies5

Similar companies · same sector, comparable size

Of 9,141 companies in this sector we hold annual accounts for 6,773. 1,882 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Board & ownership

1 director

Directors

Directors
1 director, last change in 2026
UMUGWANEZA Clarisse
Director and manager · since 22-08-2026
Current
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ. See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.

Mandate history

2 people since 2026, 1 in office
Show
  • Board
  • began earlier
Mandates per person, with start and end dates
Name Functions and periods
UMUGWANEZA Clarisse
  • Director and manager, from 22-08-2026 to date
Pierre-Fourier BASUMBINTWALI
  • Director and manager, until 31-08-2026
See the board, name and seat on a given date →

Structure & network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, scroll to zoom.

Capital and shareholders

Shareholders according to the acts
Stated in the act act of 31-08-2026 ↗

The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.

Timeline

2 eventsLatest 31-08-2026

History

ESCO-LTD was incorporated on 28 July 2025 as a Private limited company.1 Since 2026, UMUGWANEZA Clarisse has served as director and manager of the company.2 The company has filed annual accounts once, for fiscal year 2025.3

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 31-08-2026
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
31-08
State Gazette act Resignation: Pierre-Fourier Basumbintwali (director and manager)
Appointment: Clarisse Umugwaneza (director and manager) · Director discharge · Shareholding8 facts ▸
  • General meeting, 21-08-2026
  • Director resignation, Pierre-Fourier Basumbintwali (director and manager)
  • Director discharge, Pierre-Fourier Basumbintwali
  • Director appointment, Clarisse Umugwaneza (director and manager)
  • Shareholding, parts sociales, 50
  • Shareholding, parts sociales, 50
  • General meeting, 100, 100
  • Other statement, ordre du jour, à l'unanimité des voix
12-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
State Gazette actNBB filing
1 of 3 acts read
About the unread acts

Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Company details

Private limited company · founded 28-07-2025Year ends 31-12Peppol reachable1 site

Register details

Identification
Legal formPrivate limited company
Founded28-07-2025
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
41001General construction of residential buildings
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
81210General cleaning of buildings
Contact
E-mail esco.ltd.srl@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:1025955934
Registered 27-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Sites & property

Location & real-estate footprint
Registered office, Anderlecht · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
4,050 m²
Building footprint
624 m²
Volume, LiDAR
8,271 m³
Parcel 21305C0334/00X013, Brussels · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
Mudrahoek 26, 1070 Anderlecht
General construction of residential buildings
since 2025unit no. 2.391.946.556
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21305C0334/00X013 Brussels 4,050 m² 1 · 624 m² 15.6 m · 4 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.