ESPERANZA
ActiveESPERANZA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €168k and a net result of €45k. Equity is growing by ~42.3% per year across the filed fiscal years. Its solvency ranks better than 52% of 13977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+5
Solvency58▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.05 against 2.08 in 2024; short-term debt: 47.5% and cash: 55.1% of total assets), but 67.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
Sector 68
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
32.8%
Return on assets
8.8%
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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
49 d late
2022
24 d late
2021
37 d late
2020
23 d late
2019
42 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, micro schema
Equity
€168k▲ 36.6%
2024 · €123k
2018: €-122k
2019: €-112k
2020: €-78k
2021: €-43k
2022: €45k
2023: €99k
2024: €123k
2018 → 2025
Total assets
€512k▲ 11.3%
2024 · €460k
2018: €93k
2019: €122k
2020: €168k
2021: €215k
2022: €373k
2023: €482k
2024: €460k
2018 → 2025
Net result
€45k▲ 90.6%
2024 · €24k
2018: €9k
2019: €10k
2020: €33k
2021: €36k
2022: €87k
2023: €55k
2024: €24k
2018 → 2025
Working capital
€256k▲ 9.4%
2024 · €234k
2018: €30k
2019: €51k
2020: €40k
2021: €99k
2022: €174k
2023: €225k
2024: €234k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-43k-€45k€99k▲ 122%€123k▲ 23.8%€168k▲ 36.6%
Operating result€36k-€94k▲ 160%€78k▼ 16.6%€38k▼ 50.7%€60k▲ 55.2%
Net result€36k-€87k▲ 144%€55k▼ 37.4%€24k▼ 56.8%€45k▲ 90.6%
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 recovers in 2025; 2025 is 55% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €512k
Fixed assets
€13k▲ 21.5%
Current assets
€499k▲ 11.1%
Equity and liabilities €512k
Equity
€168k▲ 36.6%
Debt
€344k▲ 2.1%
The debt ratio falls from 73.3% to 67.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▲
2024 · €43k
Cash flow
€47k▲
2024 · €28k
Solvency
32.8%▲
2024 · 26.7%
Current ratio
2.05▼
2024 · 2.08
Quick ratio
2.05▼
2024 · 2.08
Debt / equity
2.05▼
2024 · 2.74
ROE
26.8%▲
2024 · 19.2%
ROA
8.8%▲
2024 · 5.1%
Interest coverage
33.36▲
2024 · 23.65
Debt
€344k▲
2024 · €337k
Debt ≤ 1 year
€243k▲
2024 · €215k
Debt > 1 year
€101k▼
2024 · €121k
Income taxes
€19k▲
2024 · €14k
Staff costs
€54k▲
2024 · €27k
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€460k€512k▲
Fixed assets21/28€11k€13k▲
Tangible fixed assets22/27€5k€7k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€1k€5k▲
Other tangible fixed assets26€701€468▼
Financial fixed assets28€6k€6k=
Current assets29/58€449k€499k▲
Amounts receivable within one year40/41€27k€54k▲
Trade receivables40€22k€49k▲
Other amounts receivable41€5k€5k▲
Current investments50/53€200k€160k▼
Cash at bank and in hand54/58€220k€282k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€460k€512k▲
Equity10/15€123k€168k▲
Contributions10/11€50k€50k=
Reserves13€73k€118k▲
Distributable reserves133€73k€118k▲
Amounts payable17/49€337k€344k▲
Amounts payable after more than one year17€121k€101k▼
Financial debts170/4€121k€101k▼
Amounts payable within one year42/48€215k€243k▲
Trade debts44€10k€14k▲
Suppliers440/4€10k€14k▲
Advances received on contracts in progress46€181k€166k▼
Taxes, remuneration and social security45€18k€57k▲
Taxes450/3€11k€49k▲
Remuneration and social security454/9€7k€9k▲
Other amounts payable47/48€6k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€27k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-10k
Other operating charges640/8€1k€1k▼
Gross operating margin9900€72k€107k▲
Operating profit (loss)9901€38k€60k▲
Financial income75/76B€452€7k▲
Recurring financial income75€452€7k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€37k€64k▲
Income taxes67/77€14k€19k▲
Profit (loss) for the period9904€24k€45k▲
Profit (loss) for the period to be appropriated9905€24k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€45k▲
Transfer to equity691/2€24k€45k▲
To other reserves6921€24k€45k▲
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €150kEq €168k ▲36.6%
8 profitable years in a row build equity to €168k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Equity above €100kEq €123k ▲23.8%
7 profitable years in a row build equity to €123k.
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Highest result since 2018net €87k ▲144%
Operating result €94k, net result €87k, both a record.
06-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 37 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 23 days late
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ninove · 1 establishment unit since 2009
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.
Oudstrijdersplein 249400 NinoveGround area
96 m²
Building footprint
105 m²
Volume, LiDAR
941 m³
Parcel 41362B1106/00L000, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Era Esperanza
since 20092.181.648.972
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41362B1106/00L000 | Flanders | 96 m² | 1 · 105 m² | 10.6 m · 3 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 to 2024 · 3 entries · 14,070 EUR awarded · 14,070 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 3,870 EUR | 3,870 EUR |
| 2023 | 1 | 6,270 EUR | 6,270 EUR |
| 2022 | 1 | 3,930 EUR | 3,930 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,749 companies in sector 68310 we hold annual accounts for 6,906. 5,231 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-09-2009
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.