ESPEVELO2

Active

Public limited companyfounded 20223 yrs activeBischoffsheimlaan 33, 1000 Brussel, BelgiumKBO/BCE: BE 0794.273.513

The computed 12-month bankruptcy probability of ESPEVELO2 is 3.6% (moderate). The 2024 annual accounts show equity of €3.51M and a net result of €-27k. Its solvency ranks better than 17% of 2096 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

42 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability37=

Solvency35▼-18

Growth32

Track record94

Bankruptcy probability, 12 months

3.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €140k at 30 days only on tighter terms

Liquidity ample (current ratio 8.18 against 7.22 in 2023; short-term debt: 4.4% and cash: 0% of total assets), but 89.7% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

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 2024

Solvency, return and age of the figures

Solvency

10.3%

Return on assets

-0.1%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 2096 sector peers (2024).

NBB · sector comparison

Position among 2096 sector peers

Solvency

better than 17%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-05-2025, 70 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

70 d early

2023

68 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, abbreviated schema

Equity

€3.51M▼ 0.8%

2023 · €3.54M

2023: €3.54M

2023 → 2024

Total assets

€34.10M▲ 170%

2023 · €12.63M

2023: €12.63M

2023 → 2024

Net result

€-27k▼ 3.5%

2023 · €-26k

2023: €-26k

2023 → 2024

Working capital

€10.66M▲ 159%

2023 · €4.11M

2023: €4.11M

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€3.54M-€3.51M▼ 0.8%

Operating result€-25k-€-27k▼ 5.8%

Net result€-26k-€-27k▼ 3.5%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €27k in 2024 against €25k in 2023; the loss grows.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €34.10M

64.4%

35.6%

Fixed assets €21.96M▲ 179%

Current assets €12.14M▲ 155%

Equity and liabilities €34.10M

10%

89.7%

Equity €3.51M▼ 0.8%

Debt €30.59M▲ 237%

The debt ratio rises from 72.0% to 89.7%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

Solvency

10.3%▼

2023 · 28.0%

Current ratio

8.18▲

2023 · 7.22

Quick ratio

0.10▼

2023 · 0.72

Debt / equity

8.72▲

2023 · 2.57

ROE

-0.8%▼

2023 · -0.7%

ROA

-0.1%▲

2023 · -0.2%

Debt

€30.59M▲

2023 · €9.09M

Debt ≤ 1 year

€1.48M▲

2023 · €660k

Debt > 1 year

€29.11M▲

2023 · €8.43M

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€12.63M€34.10M▲

Fixed assets21/28€7.86M€21.96M▲

Tangible fixed assets22/27€7.86M€21.96M▲

Other tangible fixed assets26€7.86M€21.96M▲

Current assets29/58€4.77M€12.14M▲

Stocks and contracts in progress3€4.29M€12.00M▲

Stocks30/36€4.29M€12.00M▲

Amounts receivable within one year40/41€144k€136k▼

Other amounts receivable41€144k€136k▼

Cash at bank and in hand54/58€331k€9k▼

Equity and liabilities

Total equity and liabilities10/49€12.63M€34.10M▲

Equity10/15€3.54M€3.51M▼

Contributions10/11€3.56M€3.56M=

Capital10€3.56M€3.56M=

Issued capital100€3.56M€3.56M=

Profit (loss) carried forward14€-26k€-53k▼

Amounts payable17/49€9.09M€30.59M▲

Amounts payable after more than one year17€8.43M€29.11M▲

Financial debts170/4€8.43M€29.11M▲

Amounts payable within one year42/48€660k€1.48M▲

Financial debts43€125€125=

Credit institutions430/8€125€125=

Trade debts44€660k€1.48M▲

Suppliers440/4€660k€1.48M▲

Income statement Code20232024

Goods, raw materials, services and sundry goods60/61-€26k

Other operating charges640/8€764€431▼

Gross operating margin9900€-24k€-26k▼

Operating profit (loss)9901€-25k€-27k▼

Financial charges65/66B€727€176▼

Recurring financial charges65€727€176▼

Profit (loss) for the period before taxes9903€-26k€-27k▼

Profit (loss) for the period9904€-26k€-27k▼

Profit (loss) for the period to be appropriated9905€-26k€-27k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-26k€-53k▼

Profit (loss) brought forward from the previous period14P€0€-26k▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

22-05

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

24-05

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

NBB filing

Directors · office · real estate

Directors

6 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, Brussel · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Bischoffsheimlaan 331000 Brussel

Ground area

1,284 m²

Building footprint

1,036 m²

Volume, LiDAR

19,795 m³

Parcel 21803C0382/00G000, Brussels · tallest building 26.4 m, ±7 floors. Linked by address, not a title deed.

1 establishment unit

ESPEVELO2

Bischoffsheimlaan 33, 1000 BrusselConstruction of residential and non-residential buildings

since 20222.342.159.228

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21803C0382/00G000	Brussels	1,284 m²	1 · 1,036 m²	26.4 m · 7 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.

Structure & network

Group per the LEI register

2 parent companies

Parent company:BANIMMO

BE 0888.061.724Brussel, Belgium

Ultimate parent:PATRONALE GROUP

BE 0415.120.705Brussel, Belgium

Recognitions · licences · registrations

Legal Entity Identifier

699400UNC4NB51R71B75

live in the LEI register

Similar companies · same sector, comparable size

BOUWONDERNEMING CATTEEU

BE 0468.501.486

Lo-Reninge · Eq €3.51M

Tongeren-Borgloon · Eq €3.53M

VERBAKEL ENGINEERING EN BOUW

BE 0439.378.227

Tongeren-Borgloon · Eq €3.53M

Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 2,625 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPublic limited company

Founded01-12-2022

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 2 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.

Contact details

2 entries

E-mail:daisy.deraymaeker@patronale.be

Enterprise

Phone:024865018

Enterprise