Espérance
ActiveSummary
Espérance has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.6m and a net result of -€118,547. Equity remains stable across the filed fiscal years (±1.9% per year). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability7▼-72
Solvency100=
Growth48▼-20
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.73 in 2023; short-term debt: 10.8% and cash: 6.2% of total assets), and 10.8% of the assets are financed with debt.
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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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Residential care activities (NACE 87)
about 77% fewer 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
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 2024Solvency, return and age of the figures
Solvency
89.2%
Return on assets
-6.7%
Age of the figures
21 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 28-06-2026, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
33 d early
2024
on the day
2023
on the day
2022
31 d late
2021
6 d late
2020
13 d late
2019
369 d late
← 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 55 days after the deadline; the sector median for financial year 2024 is 27 days before the deadline, and 25% 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 1 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, full schema
Turnover
€131,693▼ 10.4%
2023 · €146,955
EBIT margin
-90.5%▼ 85.0pp
2023 · -5.4%
Net result
-€118,547▼ 1,386%
2023 · -€7,975
Working capital
€80,474▼ 35.7%
2023 · €125,087
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 87, Residential care activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€137,662▲ 4.5%€135,367▼ 1.7%€134,658▼ 0.5%€146,955▲ 9.1%€131,693▼ 10.4%
Operating result-€44,512▼ 3.4%-€42,158▲ 5.3%-€15,436▲ 63.4%-€8,000▲ 48.2%-€119,136▼ 1,389%
Net result-€44,606below the sector's middle half▼ 3.4%-€42,271below the sector's middle half▲ 5.2%-€15,654within the sector's middle half▲ 63.0%-€7,975within the sector's middle half▲ 49.1%-€118,547below the sector's middle half▼ 1,386%
EBIT margin-32.3%▲ 0.3pp-31.1%▲ 1.2pp-11.5%▲ 19.7pp-5.4%▲ 6.0pp-90.5%▼ 85.0pp
Equity€884,562within the sector's middle half▼ 4.8%€842,291below the sector's middle half▼ 4.8%€826,637below the sector's middle half▼ 1.9%€1.7mabove the sector's middle half▲ 106%€1.6mabove the sector's middle half▼ 7.0%
Total assets€1.1mbelow the sector's middle half▼ 2.3%€985,050below the sector's middle half▼ 6.9%€999,045below the sector's middle half▲ 1.4%€1.9mwithin the sector's middle half▲ 87.8%€1.8mwithin the sector's middle half▼ 5.3%
Debt€173,227▲ 12.8%€142,759▼ 17.6%€172,408▲ 20.8%€171,948▼ 0.3%€190,997▲ 11.1%
Working capital€143,712below the sector's middle half▲ 4.3%€129,490below the sector's middle half▼ 9.9%€146,513below the sector's middle half▲ 13.1%€125,087within the sector's middle half▼ 14.6%€80,474within the sector's middle half▼ 35.7%
Solvency83.6%above the sector's middle half▼ 2.2pp85.5%above the sector's middle half▲ 1.9pp82.7%above the sector's middle half▼ 2.8pp90.8%above the sector's middle half▲ 8.1pp89.2%above the sector's middle half▼ 1.6pp
Current ratio1.99within the sector's middle half▼ 0.011.93within the sector's middle half▼ 0.051.85within the sector's middle half▼ 0.081.73within the sector's middle half▼ 0.121.42within the sector's middle half▼ 0.31
Return on assets (ROA)-4.2%below the sector's middle half▼ 0.2pp-4.3%below the sector's middle half▼ 0.1pp-1.6%below the sector's middle half▲ 2.7pp-0.4%within the sector's middle half▲ 1.1pp-6.7%below the sector's middle half▼ 6.2pp
Staff (FTE)15.4below the sector's middle half▲ 8.5%14below the sector's middle half▼ 9.1%16below the sector's middle half▲ 14.3%20within the sector's middle half▲ 25.0%16.1below the sector's middle half▼ 19.5%
above
within
below
the middle half (P25 to P75) of NACE 87, Residential care activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €119,136 in 2024 against €8,000 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.8m
Fixed assets
€1.5m ▼ 4.7%
Current assets
€271,471 ▼ 8.6%
Equity and liabilities €1.8m
Equity
€1.6m ▼ 7.0%
Debt
€190,997 ▲ 11.1%
Debt's share of the balance-sheet total rises from 9.2% to 10.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€40,770▼
2023 · €47,668
Cash flow
-€40,181▼
2023 · €47,692
Quick ratio
1.41▼
2023 · 1.71
Debt to equity
0.12▲
2023 · 0.10
ROE
-7.5%▼
2023 · -0.5%
Interest coverage
-139.58▼
2023 · 254.91
Debt ≤ 1 year
€190,997▲
2023 · €171,948
Staff costs
€1.1m▲
2023 · €1.1m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 8,611 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 94% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a small loss
0.4%
went bankrupt
5.1%
stopped otherwise
94%
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 < 0.1% 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 497,340 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% | 1.8% |
| 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 8,611 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €1.0m | €1.2m | - | - | - |
| Turnover70 | €137,662 | €135,367 | €134,658 | €146,955 | €131,693 | ▼ 10.4% |
| Other operating income74 | - | €1,685 | €1,872 | - | - | - |
| Non-recurring operating income76A | - | €2,298 | €195 | €1,425 | €14 | ▼ 99.0% |
| Operating charges60/66A | - | €1.1m | €1.2m | - | - | - |
| Goods for resale, raw materials and consumables60 | - | €23,523 | €21,265 | - | - | - |
| Purchases600/8 | - | €23,581 | €21,299 | - | - | - |
| Change in stocks: decrease (increase)609 | - | -€58 | -€34 | - | - | - |
| Services and other goods61 | - | €102,590 | €97,608 | - | - | - |
| Remuneration, social security and pensions62 | - | €897,492 | €1.0m | €1.1m | €1.1m | ▲ 3.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €51,578 | €51,497 | €49,649 | €55,668 | €78,365 | ▲ 40.8% |
| Other operating charges640/8 | - | €1,909 | €2,712 | €2,288 | €3,418 | ▲ 49.4% |
| Non-recurring operating charges66A | - | - | €294 | €0 | - | - |
| Gross operating margin9900 | - | - | - | €1.1m | €1.1m | ▼ 4.5% |
| Operating profit (loss)9901 | -€44,512 | -€42,158 | -€15,436 | -€8,000 | -€119,136 | ▼ 1,389% |
| Financial income75/76B | - | €0 | €0 | €211 | €881 | ▲ 317% |
| Recurring financial income75 | €0 | €0 | €0 | €211 | €881 | ▲ 317% |
| Other financial income752/9 | - | €0 | €0 | - | - | - |
| Financial charges65/66B | - | €113 | €217 | €187 | €292 | ▲ 56.2% |
| Recurring financial charges65 | €94 | €113 | €217 | €187 | €292 | ▲ 56.2% |
| Other financial charges652/9 | - | €113 | €217 | - | - | - |
| Profit (loss) for the period before taxes9903 | -€44,606 | -€42,271 | -€15,654 | -€7,975 | -€118,547 | ▼ 1,386% |
| Profit (loss) for the period9904 | -€44,606 | -€42,271 | -€15,654 | -€7,975 | -€118,547 | ▼ 1,386% |
| Profit (loss) for the period to be appropriated9905 | -€44,606 | -€42,271 | -€15,654 | -€7,975 | -€118,547 | ▼ 1,386% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €985,050 | €999,045 | €1.9m | €1.8m | ▼ 5.3% |
| Fixed assets21/28 | €768,297 | €716,800 | €680,124 | €1.6m | €1.5m | ▼ 4.7% |
| Tangible fixed assets22/27 | €768,049 | €716,552 | €679,876 | €1.6m | €1.5m | ▼ 4.7% |
| Land and buildings22 | - | €665,539 | €630,589 | €1.5m | €1.4m | ▼ 4.2% |
| Plant, machinery and equipment23 | - | €2,437 | €4,599 | €2,208 | €4,536 | ▲ 105% |
| Furniture and vehicles24 | - | €1,145 | €784 | €424 | €63 | ▼ 85.1% |
| Other tangible fixed assets26 | - | €47,430 | €43,904 | €100,877 | €86,394 | ▼ 14.4% |
| Financial fixed assets28 | €248 | €248 | €248 | €248 | €248 | = |
| Other financial fixed assets284/8 | - | €248 | €248 | - | - | - |
| Amounts receivable and cash guarantees285/8 | - | €248 | €248 | - | - | - |
| Current assets29/58 | €289,492 | €268,250 | €318,921 | €297,034 | €271,471 | ▼ 8.6% |
| Stocks and contracts in progress3 | €1,760 | €1,818 | €1,852 | €2,839 | €2,983 | ▲ 5.0% |
| Stocks30/36 | - | €1,818 | €1,852 | €2,839 | €2,983 | ▲ 5.0% |
| Raw materials and consumables30/31 | - | €1,818 | €1,852 | - | - | - |
| Amounts receivable within one year40/41 | €111,423 | €116,530 | €147,768 | €158,005 | €155,559 | ▼ 1.5% |
| Trade receivables40 | - | €18,993 | €15,165 | €13,423 | €10,967 | ▼ 18.3% |
| Other amounts receivable41 | - | €97,537 | €132,603 | €144,582 | €144,592 | = |
| Current investments50/53 | €100,276 | €101,976 | €23,976 | €52,211 | - | - |
| Cash at bank and in hand54/58 | €73,721 | €45,463 | €142,559 | €83,306 | €109,635 | ▲ 31.6% |
| Deferred charges and accrued income490/1 | - | €2,463 | €2,766 | €674 | €3,295 | ▲ 389% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €985,050 | €999,045 | €1.9m | €1.8m | ▼ 5.3% |
| Equity10/15 | €884,562 | €842,291 | €826,637 | €1.7m | €1.6m | ▼ 7.0% |
| Contributions10/11 | - | - | - | - | €405,118 | - |
| Capital10 | - | - | - | - | €405,118 | - |
| Revaluation surpluses12 | - | €1.2m | €1.2m | €2.1m | €2.1m | = |
| Profit (loss) carried forward14 | -€685,556 | -€727,827 | -€743,481 | -€751,456 | -€870,003 | ▼ 15.8% |
| Amounts payable17/49 | €173,227 | €142,759 | €172,408 | €171,948 | €190,997 | ▲ 11.1% |
| Amounts payable within one year42/48 | €145,780 | €138,760 | €172,408 | €171,948 | €190,997 | ▲ 11.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €16,000 | - |
| Trade debts44 | €36,946 | €28,040 | €42,810 | €31,147 | €33,624 | ▲ 8.0% |
| Suppliers440/4 | - | €27,741 | €42,551 | €29,680 | €33,624 | ▲ 13.3% |
| Bills of exchange payable441 | - | €300 | €259 | €1,467 | - | - |
| Taxes, remuneration and social security45 | - | €98,075 | €110,852 | €124,587 | €124,637 | = |
| Remuneration and social security454/9 | - | €98,075 | €110,852 | €124,587 | €124,637 | = |
| Accrued charges and deferred income492/3 | - | €3,999 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€44,606 | -€42,271 | -€15,654 | -€7,975 | -€118,547 | ▼ 1,386% |
| + Depreciation and write-downs630 | €51,578 | €51,497 | €49,649 | €55,668 | €78,365 | ▲ 40.8% |
| Operating cash flow (approximation) | €6,972 | €9,226 | €33,995 | €47,692 | -€40,181 | ▼ 184% |
| Investment in fixed assets (approximation) | - | €0 | -€12,973 | -€954,393 | -€4,432 | ▲ 99.5% |
| Change in cash | - | -€28,258 | €97,095 | -€59,253 | €26,329 | ▲ 144% |
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
10-07
State Gazette act
Resignation: Luc Nuttens (director)Appointments: Philippe Leclercq, Valérie Adam and Sophie Vanzielieghem · Reappointments: Delzenne Christian (vice-chair) and Brotcorne Patricia (director) · Withdrawals: André Denis (membre de l'ag) and Pierre Brotcorne (membre de l'ag)16 facts ▸
State Gazette act
Resignation: Luc Nuttens (director)
Appointments: Philippe Leclercq, Valérie Adam and Sophie Vanzielieghem · Reappointments: Delzenne Christian (vice-chair) and Brotcorne Patricia (director) · Withdrawals: André Denis (membre de l'ag) and Pierre Brotcorne (membre de l'ag)16 facts ▸
- Director resignation, Luc Nuttens (director)
- Director appointment, Philippe Leclercq (director)
- Director in office, D'Hallewin Claudine (chair)
- Director reappointment, Delzenne Christian (vice-chair)
- Director in office, Philippe Leclercq (treasurer)
- Director in office, Masschelein Patricia (secretary)
- Director reappointment, Brotcorne Patricia (director)
- Director in office, Duroisin Isabelle (director)
- General meeting, 02-06-2026
- Member resignation, André Denis (membre de l'ag)
- Member resignation, Pierre Brotcorne (membre de l'ag)
- Member admission, Philippe Leclercq (membre de l'ag)
- +4 further facts in this act
28-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet -€118,547
Net result drops to -€118,547, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €1mEq €1.7m ▲106%
Equity rises from €826,637 to €1.7m.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
06-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 6 days late
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 13 days late
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 369 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
under verification, last change in 2026
This board is reconstructed from a single act (26089413). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Delzenne Christian
CurrentVice-chair
Philippe Leclercq
CurrentDirector · since 10-07-2026
Sophie Vanzielieghem
CurrentDirector · since 10-07-2026
Valérie Adam
CurrentDirector · since 10-07-2026
Brotcorne Patricia
CurrentDirector
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
6 of this company's 7 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.
Location & real-estate footprint
Registered office, Tournai · 1 establishment unit since 1978
Ground area
1.1 ha
Building footprint
545 m²
Volume, LiDAR
5,978 m³
Parcel 57042B0556/00M000, Wallonia · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Espérance
since 19782.157.715.510
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57042B0556/00M000 | Wallonia | 1.1 ha | 1 · 545 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.
Mandate history
6 people since 2026, 5 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Brotcorne Patricia |
|
| Delzenne Christian |
|
| Philippe Leclercq |
|
| Sophie Vanzielieghem |
|
| Valérie Adam |
|
| Luc Nuttens |
|
Structure & network
Connections & network
5 current directorsThe 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.
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Of 143 companies in sector 87992 we hold annual accounts for 89. 70 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formNon-profit association
Founded15-03-1978
Fiscal year end31-12
Activities, NACEBEL 2025
87992Residential care activities
E-invoicing
Not found in the Peppol register
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Register as of 30 September 2026 · Peppol Directory
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