Summary
ESCOBEL 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 €599,258 and a net result of €10,755. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 19% of 1502 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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 check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 1502 sector peers (2025).
NBB · sector comparisonPosition among 1502 sector peers
Solvency
better than 19%
← weakest
strongest →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
23 d early
2024
2 d early
2023
21 d early
2022
40 d early
2021
30 d early
2020
47 d early
2019
2 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 24 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€599,258▲ 1.8%
2024 · €588,503
Net result
€10,755▼ 89.2%
2024 · €99,764
Total assets
€5.8m▼ 6.1%
2024 · €6.2m
Solvency
10.2%▲ 0.8pp
2024 · 9.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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-€55,781▼ 33.5%€829,039-€129,733€180,362€89,413▼ 50.4%
Net result-€66,480below the sector's middle half▲ 21.8%€650,915above the sector's middle half-€225,266below the sector's middle half€99,764within the sector's middle half€10,755below the sector's middle half▼ 89.2%
Equity€63,091below the sector's middle half▼ 51.3%€714,005within the sector's middle half▲ 1,032%€488,739within the sector's middle half▼ 31.5%€588,503within the sector's middle half▲ 20.4%€599,258within the sector's middle half▲ 1.8%
Total assets€5.8mabove the sector's middle half▲ 90.6%€6.4mabove the sector's middle half▲ 9.7%€4.2mabove the sector's middle half▼ 33.9%€6.2mabove the sector's middle half▲ 47.8%€5.8mabove the sector's middle half▼ 6.1%
Debt€5.4m▲ 83.9%€5.2m▼ 3.3%€3.3m▼ 36.8%€5.2m▲ 59.2%€4.8m▼ 7.0%
Working capital-€464,529below the sector's middle half▼ 52,421%-€553,265below the sector's middle half▼ 19.1%-€955,655below the sector's middle half▼ 72.7%-€3.1mbelow the sector's middle half▼ 223%-€3.1mbelow the sector's middle half▼ 1.7%
Solvency1.1%below the sector's middle half▼ 3.2pp11.2%below the sector's middle half▲ 10.1pp11.6%below the sector's middle half▲ 0.4pp9.4%below the sector's middle half▼ 2.2pp10.2%below the sector's middle half▲ 0.8pp
Current ratio0.17below the sector's middle half▼ 0.810.77below the sector's middle half▲ 0.600.05below the sector's middle half▼ 0.720.05below the sector's middle half=0.02below the sector's middle half▼ 0.03
Return on assets (ROA)-1.1%below the sector's middle half▲ 1.6pp10.2%within the sector's middle half▲ 11.4pp-5.3%below the sector's middle half▼ 15.6pp1.6%below the sector's middle half▲ 6.9pp0.2%below the sector's middle half▼ 1.4pp
Staff (FTE)0below the sector's middle half0below the sector's middle half0below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.8m
Fixed assets
€5.8m ▼ 4.6%
Current assets
€68,029 ▼ 59.2%
Equity and liabilities €5.8m
Equity
€599,258 ▲ 1.8%
Provisions
€400,006 ▼ 5.7%
Debt
€4.8m ▼ 7.0%
Debt's share of the balance-sheet total falls from 83.7% to 82.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.8%▼
2024 · 17.0%
Debt ≤ 1 year
€3.2m▼
2024 · €3.3m
Debt > 1 year
€1.6m▼
2024 · €2.0m
Income taxes
€43,298▼
2024 · €53,725
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €9,689 | €832,404 | €4 | €69,483 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €400,656 | €408,754 | €349,207 | €297,062 | €281,831 | ▼ 5.1% |
| Other operating charges640/8 | €2,497 | €1,190 | €1,612 | €2,381 | €1,243 | ▼ 47.8% |
| Non-recurring operating charges66A | €15,004 | - | - | - | - | - |
| Gross operating margin9900 | €362,376 | €1.2m | €221,086 | €479,805 | €372,487 | ▼ 22.4% |
| Operating profit (loss)9901 | -€55,781 | €829,039 | -€129,733 | €180,362 | €89,413 | ▼ 50.4% |
| Financial income75/76B | €2,469 | €681 | €291 | €226 | €15 | ▼ 93.4% |
| Recurring financial income75 | €2,469 | €681 | €291 | €226 | €15 | ▼ 93.4% |
| Financial charges65/66B | €44,160 | €61,427 | €74,357 | €51,310 | €59,586 | ▲ 16.1% |
| Recurring financial charges65 | €44,160 | €61,427 | €74,357 | €51,310 | €59,586 | ▲ 16.1% |
| Profit (loss) for the period before taxes9903 | -€97,471 | €768,293 | -€203,800 | €129,278 | €29,842 | ▼ 76.9% |
| Transfer from deferred taxes780 | €32,593 | €114,605 | €24,210 | €24,210 | €24,211 | = |
| Transfer to deferred taxes680 | - | €208,100 | €0 | - | - | - |
| Income taxes67/77 | €1,601 | €23,884 | €45,677 | €53,725 | €43,298 | ▼ 19.4% |
| Profit (loss) for the period9904 | -€66,480 | €650,915 | -€225,266 | €99,764 | €10,755 | ▼ 89.2% |
| Transfer to tax-exempt reserves689 | - | €624,301 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€66,480 | €26,614 | -€225,266 | €99,764 | €10,755 | ▼ 89.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.8m | €6.4m | €4.2m | €6.2m | €5.8m | ▼ 6.1% |
| Fixed assets21/28 | €5.7m | €4.5m | €4.2m | €6.1m | €5.8m | ▼ 4.6% |
| Tangible fixed assets22/27 | €5.7m | €4.5m | €4.2m | €3.9m | €3.6m | ▼ 7.3% |
| Land and buildings22 | €4.2m | €3.1m | €2.9m | €2.7m | €2.5m | ▼ 5.7% |
| Plant, machinery and equipment23 | - | - | €3,587 | €2,869 | €2,151 | ▼ 25.0% |
| Furniture and vehicles24 | €1,788 | €616 | €1,390 | €130 | €0 | ▼ 100% |
| Leasing and similar rights25 | €1.5m | €1.4m | €1.2m | €1.1m | €986,656 | ▼ 11.2% |
| Other tangible fixed assets26 | €51,741 | €49,538 | €47,335 | €45,132 | €43,596 | ▼ 3.4% |
| Financial fixed assets28 | - | - | - | €2.2m | €2.2m | = |
| Current assets29/58 | €93,158 | €1.9m | €53,224 | €166,575 | €68,029 | ▼ 59.2% |
| Amounts receivable within one year40/41 | €21,525 | €1.8m | €6,509 | €31,200 | €34,939 | ▲ 12.0% |
| Trade receivables40 | €15,449 | €1.8m | €0 | €3,630 | €34,939 | ▲ 863% |
| Other amounts receivable41 | €6,076 | €6,228 | €6,509 | €27,570 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €55,412 | €10,964 | €35,015 | €123,679 | €17,170 | ▼ 86.1% |
| Deferred charges and accrued income490/1 | €16,221 | €6,312 | €11,701 | €11,696 | €15,920 | ▲ 36.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.8m | €6.4m | €4.2m | €6.2m | €5.8m | ▼ 6.1% |
| Equity10/15 | €63,091 | €714,005 | €488,739 | €588,503 | €599,258 | ▲ 1.8% |
| Contributions10/11 | €59,321 | €59,321 | €59,321 | €59,321 | €59,321 | = |
| Reserves13 | €85,804 | €710,105 | €710,105 | €710,105 | €710,105 | = |
| Non-distributable reserves130/1 | €85,804 | €85,804 | €85,804 | €85,804 | €85,804 | = |
| Reserves not available under the articles1311 | - | - | €85,804 | €85,804 | - | - |
| Other1319 | €85,804 | €85,804 | - | - | €85,804 | - |
| Tax-exempt reserves132 | - | €624,301 | €624,301 | €624,301 | €624,301 | = |
| Profit (loss) carried forward14 | -€82,034 | -€55,420 | -€280,686 | -€180,923 | -€170,168 | ▲ 5.9% |
| Provisions and deferred taxes16 | €379,143 | €472,638 | €448,427 | €424,217 | €400,006 | ▼ 5.7% |
| Deferred taxes168 | €379,143 | €472,638 | €448,427 | €424,217 | €400,006 | ▼ 5.7% |
| Amounts payable17/49 | €5.4m | €5.2m | €3.3m | €5.2m | €4.8m | ▼ 7.0% |
| Amounts payable after more than one year17 | €4.8m | €2.8m | €2.3m | €2.0m | €1.6m | ▼ 16.6% |
| Financial debts170/4 | €4.8m | €2.8m | €2.3m | €2.0m | €1.6m | ▼ 16.6% |
| Amounts payable within one year42/48 | €557,687 | €2.4m | €1.0m | €3.3m | €3.2m | ▼ 1.5% |
| Current portion of amounts payable after more than one year42 | €477,516 | €542,914 | €383,504 | €302,617 | €306,388 | ▲ 1.2% |
| Financial debts43 | - | €1.4m | €0 | - | €62,137 | - |
| Credit institutions430/8 | - | €1.4m | €0 | - | €62,137 | - |
| Trade debts44 | €79,329 | €102,469 | €83,061 | €22,333 | €7,764 | ▼ 65.2% |
| Suppliers440/4 | €79,329 | €102,469 | €83,061 | €22,333 | €7,764 | ▼ 65.2% |
| Taxes, remuneration and social security45 | - | €23,884 | €0 | €67,652 | €30,199 | ▼ 55.4% |
| Taxes450/3 | - | €23,884 | €0 | €67,652 | €30,199 | ▼ 55.4% |
| Other amounts payable47/48 | €841 | €350,841 | €542,315 | €2.9m | €2.8m | ▼ 2.1% |
| Accrued charges and deferred income492/3 | €200 | €190 | €180 | €170 | €5,966 | ▲ 3,409% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€66,480 | €650,915 | -€225,266 | €99,764 | €10,755 | ▼ 89.2% |
| + Depreciation and write-downs630 | €400,656 | €408,754 | €349,207 | €297,062 | €281,831 | ▼ 5.1% |
| Operating cash flow (approximation) | €334,176 | €1.1m | €123,941 | €396,825 | €292,587 | ▼ 26.3% |
| Investment in fixed assets (approximation) | - | €799,645 | -€4,927 | -€2.2m | €0 | ▲ 100% |
| Change in cash | - | -€44,448 | €24,051 | €88,664 | -€106,508 | ▼ 220% |
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €99,764
Net result €99,764 after one loss-making year.
31-12
Financial
Equity above €500,000Eq €588,503 ▲20.4%
Equity rises from €488,739 to €588,503.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet -€225,266
Net result drops to -€225,266, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €650,915
Net result €650,915 after 3 loss-making years.
31-12
Financial
Equity above €500,000Eq €714,005 ▲1,032%
Equity rises from €63,091 to €714,005.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
04-08
State Gazette act
General meeting · Director resignation
Permanent representative · Director discharge
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has 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.
Directors · office · real estate
Directors
5 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, Kruibeke · 1 establishment unit since 2020
Ground area
1.0 ha
Parcel 46001B0935/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
ESCOBEL
since 20202.299.088.060
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46001B0935/00D000 | Flanders | 1.0 ha | - | - |
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.
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
-
100%
According to the 2024 annual accounts of ESCOBEL 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
The group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
2 locations
Similar companies · same sector, comparable size
DuoFin Holding
BE 0773.923.705
Zandhoven · Eq €598,997
Innesto Partners
BE 0805.977.948
Ukkel · Eq €600,924
ALL-UNITS
BE 0749.432.292
Ieper · Eq €593,948
ZenCat
BE 0756.726.395
Nazareth-De Pinte · Eq €592,209
Pointt
BE 0678.558.055
Gent · Eq €614,268
Of 592 companies in sector 66300 we hold annual accounts for 366. 239 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
Founded08-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
68201Renting and operating of own or leased residential real estate, excluding social housing
Contact
E-mail
jefbauwens@ttctransport.be
Phone
0495/292949
E-invoicing
Reachable via Peppol
Peppol ID
0208:0740937963
Registered
01-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.