ESPERATAX
ActiveThe computed 12-month bankruptcy probability of ESPERATAX is 1.7% (moderate). The 2025 annual accounts show equity of €520k and a net result of €16k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 71% of 4488 sector peers (fiscal year 2025). The company has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-4
Solvency85▲+2
Growth85=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.26 against 0.44 in 2024; short-term debt: 14.7% and cash: 0.7% of total assets), and 39.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
60.2%
Return on assets
1.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-01-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
24 d early
2023
15 d late
2022
on the day
2020
54 d late
2019
480 d late
2018
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€614k▼ 3.5%
2024 · €636k
2022: €356k
2023: €570k
2024: €636k
2022 → 2025
EBIT margin
5.6%▼ 3.1pp
2024 · 8.7%
2022: 25.6%
2023: 3.4%
2024: 8.7%
2022 → 2025
Net result
€16k▼ 49.8%
2024 · €32k
2019: €-20k
2020: €-21k
2022: €61k
2023: €12k
2024: €32k
2019 → 2025
Working capital
€-93k▼ 43.4%
2024 · €-65k
2019: €-206k
2020: €-208k
2022: €3k
2023: €-38k
2024: €-65k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Turnover€356k€570k▲ 59.9%€636k▲ 11.6%€614k▼ 3.5%
Equity€262k-€460k▲ 75.7%€473k▲ 2.7%€504k▲ 6.7%€520k▲ 3.1%
Operating result€-8k-€91k€20k▼ 78.5%€56k▲ 183%€34k▼ 38.0%
Net result€-21k-€61k€12k▼ 79.6%€32k▲ 153%€16k▼ 49.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €864k
Fixed assets
€831k▲ 1.8%
Current assets
€33k▼ 35.8%
Equity and liabilities €864k
Equity
€520k▲ 3.1%
Debt
€344k▼ 5.5%
The debt ratio falls from 41.9% to 39.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€101k▼
2024 · €118k
Cash flow
€82k▼
2024 · €94k
Solvency
60.2%▲
2024 · 58.1%
Current ratio
0.26▼
2024 · 0.44
Quick ratio
0.26▼
2024 · 0.44
Debt / equity
0.66▼
2024 · 0.72
ROE
3.0%▼
2024 · 6.3%
ROA
1.8%▼
2024 · 3.6%
Interest coverage
12.39▼
2024 · 13.98
Debt
€344k▼
2024 · €364k
Debt ≤ 1 year
€127k▲
2024 · €117k
Debt > 1 year
€217k▼
2024 · €247k
Income taxes
€12k▼
2024 · €16k
Staff costs
€249k▼
2024 · €286k
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€868k€864k▼
Fixed assets21/28€816k€831k▲
Tangible fixed assets22/27€816k€830k▲
Land and buildings22€585k€574k▼
Plant, machinery and equipment23€16k€111k▲
Furniture and vehicles24€215k€145k▼
Financial fixed assets28€225€225=
Current assets29/58€52k€33k▼
Amounts receivable within one year40/41€5k€23k▲
Trade receivables40-€15k
Other amounts receivable41€5k€8k▲
Current investments50/53€4k€4k▲
Cash at bank and in hand54/58€43k€6k▼
Equity and liabilities
Total equity and liabilities10/49€868k€864k▼
Equity10/15€504k€520k▲
Contributions10/11€32k€32k=
Capital10€32k-
Issued capital100€32k-
Revaluation surpluses12€200k€200k=
Reserves13€77k€77k=
Non-distributable reserves130/1€3k€3k=
Legal reserve130€3k-
Reserves not available under the articles1311-€3k
Distributable reserves133€74k€74k=
Profit (loss) carried forward14€195k€210k▲
Amounts payable17/49€364k€344k▼
Amounts payable after more than one year17€247k€217k▼
Financial debts170/4€17k€17k▲
Other amounts payable178/9€230k€200k▼
Amounts payable within one year42/48€117k€127k▲
Current portion of amounts payable after more than one year42€32k€30k▼
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€78k€67k▼
Taxes450/3€17k€12k▼
Remuneration and social security454/9€61k€55k▼
Other amounts payable47/48€5k€23k▲
Income statement
Code20242025
Turnover70€636k€614k▼
Goods, raw materials, services and sundry goods60/61€197k€238k▲
Remuneration, social security and pensions62€286k€249k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€66k▲
Other operating charges640/8€34k€30k▼
Gross operating margin9900€438k€379k▼
Operating profit (loss)9901€56k€34k▼
Financial income75/76B€79€2k▲
Recurring financial income75€79€2k▲
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€47k€28k▼
Income taxes67/77€16k€12k▼
Profit (loss) for the period9904€32k€16k▼
Profit (loss) for the period to be appropriated9905€32k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€195k€210k▲
Profit (loss) brought forward from the previous period14P€163k€195k▲
The notes to these accounts (13 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
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €500kEq €504k ▲6.7%
3 profitable years in a row build equity to €504k.
15-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €61k
Net result €61k after 2 loss-making years.
30-06
Financial
Liquidity times 6current ratio 1.03
Current ratio from 0.17 to 1.03; short-term debt falls from €251k to €110k.
2021
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 480 days late
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 54 days late
2020
30-06
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
21-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 110 days late
2017
25-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 267 days late
2016
06-03
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 35 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Vorst · 2 establishment units since 1982
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.
Monnikenstraat 111190 VorstGround area
134 m²
Building footprint
118 m²
Volume, LiDAR
1,512 m³
Parcel 21007A0038/00E003, Brussels · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Monnikenstraat 11, 1190 Vorst
since 19822.021.346.871
AGGLOMERATION DE BRUXELLES, 1000 Brussel
since 19822.021.346.970
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21007A0038/00E003 | Brussels | 134 m² | 1 · 118 m² | 13.4 m · 4 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.
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A-DJ SERVICES
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BE 0873.935.653
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MoveForward
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Halen · Eq €505k
Of 6,686 companies in sector 49330 we hold annual accounts for 2,284. 519 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-1982
Fiscal year end30-06
Activities, NACEBEL
49320Taxi operation
49330On-demand passenger transport by chauffeured vehicle
47811Retail sale of cars and light vans (up to 3.5 tonnes)
49310Scheduled passenger transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:esperatax@gmail.com