ESPELIA
ActiveSummary
The computed 12-month bankruptcy probability of ESPELIA is 2.4% (moderate). The 2025 annual accounts show equity of €42,779 and a net result of -€574. Equity is shrinking by ~16.8% per year across the filed fiscal years. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability37▲+2
Solvency54▲+3
Growth32=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity short (current ratio 0.01 against 0.01 in 2024; short-term debt: 71.4% and cash: 0.3% of total assets), and 71.4% 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
Six 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
28.6%
Return on assets
-0.4%
Age of the figures
9 mo
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 07-07-2026, 24 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
24 d early
2024
25 d late
2023
26 d late
2022
23 d late
2021
27 d late
2020
18 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 6 accounts on average 16 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 25 August (4 of the last 5 filed years within 30 days of that day).
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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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
€42,779▼ 1.3%
2024 · €43,353
Total assets
€149,570▼ 8.7%
2024 · €163,904
Net result
-€574▲ 70.7%
2024 · -€1,960
Working capital
-€105,906▲ 10.9%
2024 · -€118,897
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€495▼ 42.4%-€2,803▼ 466%-€30,381▼ 984%-€528
Net result-€553▼ 54.8%-€2,753▼ 398%-€38,072▼ 1,283%-€1,960▲ 94.9%-€574▲ 70.7%
Equity€86,138▼ 0.6%€83,385▼ 3.2%€45,313▼ 45.7%€43,353▼ 4.3%€42,779▼ 1.3%
Total assets€119,287▼ 0.1%€126,895▲ 6.4%€163,976▲ 29.2%€163,904=€149,570▼ 8.7%
Debt€33,149▲ 1.4%€43,510▲ 31.3%€118,663▲ 173%€120,551▲ 1.6%€106,791▼ 11.4%
Working capital-€363-€9,616▼ 2,549%-€116,937▼ 1,116%-€118,897▼ 1.7%-€105,906▲ 10.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is -€528 in 2025, compared with -€30,381 in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149,570
Fixed assets
€148,685 ▼ 8.4%
Current assets
€885 ▼ 46.5%
Equity and liabilities €149,570
Equity
€42,779 ▼ 1.3%
Debt
€106,791 ▼ 11.4%
Debt's share of the balance-sheet total falls from 73.5% to 71.4%. Equity and debt are lower.
Key figures and ratios
Current ratio
0.01▼
2024 · 0.01
Debt to equity
2.50▼
2024 · 2.78
ROE
-1.3%▲
2024 · -4.5%
ROA
-0.4%▲
2024 · -1.2%
Debt ≤ 1 year
€106,791▼
2024 · €120,551
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 |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €50 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €3,250 | €3,250 | - | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €22,001 | - | - | - |
| Other operating charges640/8 | €445 | - | €3,266 | - | €528 | - |
| Gross operating margin9900 | -€50 | €447 | -€1,864 | - | - | - |
| Operating profit (loss)9901 | -€495 | -€2,803 | -€30,381 | - | -€528 | - |
| Financial income75/76B | - | €88 | - | - | - | - |
| Recurring financial income75 | - | €88 | - | - | - | - |
| Financial charges65/66B | €58 | €38 | €7,692 | €1,960 | €46 | ▼ 97.6% |
| Recurring financial charges65 | €58 | €38 | €7,692 | €1,960 | €46 | ▼ 97.6% |
| Non-recurring financial charges66B | - | - | €7,692 | - | - | - |
| Profit (loss) for the period before taxes9903 | -€553 | -€2,753 | -€38,072 | -€1,960 | -€574 | ▲ 70.7% |
| Profit (loss) for the period9904 | -€553 | -€2,753 | -€38,072 | -€1,960 | -€574 | ▲ 70.7% |
| Profit (loss) for the period to be appropriated9905 | -€553 | -€2,753 | -€38,072 | -€1,960 | -€574 | ▲ 70.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €119,287 | €126,895 | €163,976 | €163,904 | €149,570 | ▼ 8.7% |
| Fixed assets21/28 | €86,501 | €93,001 | €162,250 | €162,250 | €148,685 | ▼ 8.4% |
| Intangible fixed assets21 | - | €6,500 | €3,250 | €3,250 | €3,250 | = |
| Financial fixed assets28 | €86,501 | €86,501 | €159,000 | €159,000 | €145,435 | ▼ 8.5% |
| Current assets29/58 | €32,786 | €33,894 | €1,726 | €1,654 | €885 | ▼ 46.5% |
| Amounts receivable after more than one year29 | €32,000 | €32,000 | - | - | - | - |
| Other amounts receivable291 | €32,000 | €32,000 | - | - | - | - |
| Amounts receivable within one year40/41 | €738 | €642 | €1,020 | €1,020 | €415 | ▼ 59.3% |
| Trade receivables40 | - | €605 | €605 | €605 | - | - |
| Other amounts receivable41 | €738 | €37 | €415 | €415 | €415 | = |
| Cash at bank and in hand54/58 | €47 | €1,252 | €706 | €634 | €470 | ▼ 25.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €119,287 | €126,895 | €163,976 | €163,904 | €149,570 | ▼ 8.7% |
| Equity10/15 | €86,138 | €83,385 | €45,313 | €43,353 | €42,779 | ▼ 1.3% |
| Contributions10/11 | €92,000 | €92,000 | €92,000 | €92,000 | €92,000 | = |
| Capital10 | €92,000 | €92,000 | €92,000 | €92,000 | €92,000 | = |
| Issued capital100 | €92,000 | €92,000 | €92,000 | €92,000 | €92,000 | = |
| Profit (loss) carried forward14 | -€5,862 | -€8,615 | -€46,687 | -€48,647 | -€49,221 | ▼ 1.2% |
| Amounts payable17/49 | €33,149 | €43,510 | €118,663 | €120,551 | €106,791 | ▼ 11.4% |
| Amounts payable within one year42/48 | €33,149 | €43,510 | €118,663 | €120,551 | €106,791 | ▼ 11.4% |
| Trade debts44 | - | €6,888 | €8,036 | €6,235 | - | - |
| Suppliers440/4 | - | €6,888 | €8,036 | €6,235 | - | - |
| Other amounts payable47/48 | €33,149 | €36,622 | €110,627 | €114,316 | €106,791 | ▼ 6.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€553 | -€2,753 | -€38,072 | -€1,960 | -€574 | ▲ 70.7% |
| + Depreciation and write-downs630 | - | €3,250 | €3,250 | - | - | - |
| Operating cash flow (approximation) | -€553 | €497 | -€34,822 | -€1,960 | -€574 | ▲ 70.7% |
| Investment in fixed assets (approximation) | - | -€9,750 | -€72,499 | €0 | €13,565 | - |
| Change in cash | - | €1,205 | -€547 | -€71 | -€164 | ▼ 130% |
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet -€38,072
Net result drops to -€38,072, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has 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.
Directors · office · real estate
Directors
1 act for this company is 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, Braine-le-Comte · 1 establishment unit since 2019
Ground area
393 m²
Building footprint
46 m²
Parcel 55302C0170/00D006, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Rue Henri Neuman 33, 7090 Braine-le-Comte
since 20192.290.333.217
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55302C0170/00D006 | Wallonia | 393 m² | 1 · 46 m² | - |
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.
Identification & contact
Identification
Legal formPublic limited company
Founded17-06-2019
Fiscal year end31-12
Contact
Phone
+32000000000
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.