Parent and group
- PATRONALE LIFE63.83%
ESPEVELO2
ActiveSummary
ESPEVELO2 has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.5m and a net result of -€14,755. Equity has been stable since 2023 (±0.6% per year). Its solvency ranks better than 16% of 1,029 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Overview
Official details
Source: KBO- Status
- Active since 01-12-2022 Normal situation
- Registered office
- 61 active companies are registered at this address 4 started in the 12 months before. Source: KBO register, as of 2 November 2026.
- Activity
- General construction of residential buildings NACE 41001
- Establishment unit
- 2.342.159.228 1000 Brussel, since 01-12-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 12-12-2025
Board and ownership
Board
- BANIMMODirector · since 01-12-2022 · permanent representative Van Walle Werner
- Frank Van GoethemDirector · since 01-12-2022
- LARES REAL ESTATEDirector · since 01-12-2022 · permanent representative Calonne Laurent
- Auditor
- BV PwC Bedrijfsrevisoren
Shareholders
- BANIMMO80%annual accounts 2025
- Banimmo NVconsolidatesannual accounts 2025
- Grondbank The Loop10%· score 92annual accounts 2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.5%
Annual accounts 2025
- Turnover
- €0
- Loss
- €14,755
- ▼ 44.8%
- Equity
- €3.5m
- ▼ 0.4%
- Total assets
- €42.5m
- ▲ 24.7%
Filed on 16-06-2026, 45 days before the deadline
Score breakdownraises riskLiquidity: current ratio 0.73, cash €51,114Sector: Construction of residential and non-residential buildings (NACE 41)Founded in 2022lowers riskSize: turnover €0, total assets €42.5mShow the evidence
Checked score
Score 2025
62
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 31% of medium-sized companies in construction of buildings (NACE 41)
Financial strength · tick: 2024
Weak
Solvency
33-2
equity 8.2% of total assets
Liquidity
26-24
short-term debt 49.1% · cash 0.1%
Profitability
37=
return on assets 0.0%
Bankruptcy probability within 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%lowest value
01-2025: 0.6%● unchanged vs 12-2024lowest value
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.7%▲ +0.1 percentage points vs 04-2025
06-2025: 1.9%▲ +1.2 percentage points vs 05-2025
07-2025: 1.9%● unchanged vs 06-2025
08-2025: 1.9%● unchanged vs 07-2025
09-2025: 1.9%● unchanged vs 08-2025
10-2025: 1.9%● unchanged vs 09-2025
11-2025: 1.9%● unchanged vs 10-2025
12-2025: 1.9%● unchanged vs 11-2025
01-2026: 1.9%● unchanged vs 12-2025
02-2026: 1.9%● unchanged vs 01-2026
03-2026: 1.9%● unchanged vs 02-2026
04-2026: 1.9%● unchanged vs 03-2026
05-2026: 1.9%● unchanged vs 04-2026
06-2026: 2.0%▲ +0.1 percentage points vs 05-2026highest value
07-2026: 1.7%▼ -0.3 percentage points vs 06-2026
08-2026: 1.5%▼ -0.2 percentage points vs 07-2026
09-2026: 1.5%● unchanged vs 08-2026
10-2026: 1.5%● unchanged vs 09-2026
11-2026: 1.5%● unchanged vs 10-2026
Credit of up to €210,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.73 (8.18 in 2024), below 1. Short-term debt is 49.1% and cash 0.1% of total assets. 91.8% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, medium-sized). It does better than 23% of them on solvency, 39% on liquidity, 31% on profitability and 32% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 1029 sector peers (2025).
NBB · sector comparisonPosition among 1029 sector peers
Solvency
better than 16%
← weakest
strongest →
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 16-06-2026, 45 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
45 days early
2024
70 days early
2023
68 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 61 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 May (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Key points
Recent changes
- · Gazette deed Resignation: EY Bedrijfsrevisoren BV (statutory auditor)Appointment: PwC Bedrijfsrevisoren BV (statutory auditor) · Permanent representative: William Rutten
- · Gazette deed Permanent representative: Christophe Boschmans
- · Gazette deed Amendment of the articles · Miscellaneous
Companies linked to ESPEVELO2
Shareholders
Comparable companies
These companies have the same main activity as ESPEVELO2: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €11m and €27m, founded between 2018 and 2024.
| Company | Total assets | Gross margin |
|---|---|---|
| ESPEVELO2 Brussel | €42.5m | -€0.01m |
| INDIMMO BELUX Elsene | €22.6m | -€0.1m |
| MONTEFIORE DEVELOPMENT Ans | €26.6m | €0.002m |
| De Ooievaar Lennik | €16.6m | -€0.1m |
| JUKI Tessenderlo-Ham | €11.3m | -€0.3m |
| DWH Knokke-Heist | €13.1m | -€0.06m |
| ’t Park Tielt Construct Tielt | €11.3m | -€0.09m |
Key facts about ESPEVELO2
- What is the company number of ESPEVELO2?
- The company number of ESPEVELO2 is 0794.273.513. The VAT number is the same number with BE in front: BE 0794.273.513.
- Where is ESPEVELO2 based?
- The registered office is at Bischoffsheimlaan 33, 1000 Brussel.Company details
- What does ESPEVELO2 do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of ESPEVELO2?
- The legal form of ESPEVELO2 is Public limited company (NV).
- When was ESPEVELO2 founded?
- ESPEVELO2 was founded on 01-12-2022.
- Is ESPEVELO2 still active?
- Yes, ESPEVELO2 is an active enterprise in the KBO register.
- What is the turnover of ESPEVELO2?
- The turnover of ESPEVELO2 was €0 in financial year 2025, according to the filed annual accounts.Financials
- Is ESPEVELO2 profitable?
- In financial year 2025, ESPEVELO2 made a loss of €14,755.
- Where can I find the annual accounts of ESPEVELO2?
- ESPEVELO2 filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ESPEVELO2 due?
- ESPEVELO2 must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See the other companies in the same group.PATRONALE LIFE · 64 companies
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