ESPEVELO3
ActiveSummary
The computed 12-month bankruptcy probability of ESPEVELO3 is 3.8% (moderate). The 2024 annual accounts show equity of €2.83M and a net result of €-15k. Its solvency ranks better than 47% 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.
Checked score
Score 2024
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability37▲+2
Solvency61▲+29
Growth52
Track record94
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity short (current ratio 0.66 against 13.79 in 2023; short-term debt: 7.1% and cash: 0.5% of total assets), and 63.9% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · 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 →
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
36.1%
Return on assets
-0.2%
Age of the figures
21 mo
neutral · 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 filingsDeviation from the deadline
2025
not confirmed
2024
70 d early
2023
68 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€2.83M▲ 5,128%
2023 · €54k
2023: €54k
2023 → 2024
Total assets
€7.85M▲ 852%
2023 · €825k
2023: €825k
2023 → 2024
Net result
€-15k▼ 102%
2023 · €-7k
2023: €-7k
2023 → 2024
Working capital
€-189k
2023 · €138k
2023: €138k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€54k-€2.83M▲ 5,128%
Operating result€-7k-€-15k▼ 121%
Net result€-7k-€-15k▼ 102%
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 €15k in 2024 against €7k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €7.85M
Fixed assets
€7.49M ▲ 1,007%
Current assets
€368k ▲ 148%
Equity and liabilities €7.85M
Equity
€2.83M ▲ 5,128%
Debt
€5.02M ▲ 552%
Debt's share of the balance-sheet total falls from 93.4% to 63.9%. Equity and debt are higher.
Key figures and ratios
Current ratio
0.66▼
2023 · 13.79
Debt to equity
1.77▼
2023 · 14.23
ROE
-0.5%▲
2023 · -13.6%
ROA
-0.2%▲
2023 · -0.9%
Debt ≤ 1 year
€557k▲
2023 · €11k
Debt > 1 year
€4.47M▲
2023 · €760k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 34 lines
Balance sheet
Code20232024
Assets
Total assets20/58€825k€7.85M▲
Fixed assets21/28€676k€7.49M▲
Tangible fixed assets22/27€676k€7.49M▲
Other tangible fixed assets26€676k€7.49M▲
Current assets29/58€149k€368k▲
Amounts receivable within one year40/41€140k€325k▲
Trade receivables40-€2k
Other amounts receivable41€140k€323k▲
Cash at bank and in hand54/58€9k€43k▲
Equity and liabilities
Total equity and liabilities10/49€825k€7.85M▲
Equity10/15€54k€2.83M▲
Contributions10/11€62k€2.85M▲
Capital10€62k€2.85M▲
Issued capital100€62k€2.85M▲
Profit (loss) carried forward14€-7k€-22k▼
Amounts payable17/49€771k€5.02M▲
Amounts payable after more than one year17€760k€4.47M▲
Financial debts170/4€760k€4.47M▲
Amounts payable within one year42/48€11k€557k▲
Financial debts43€125€125=
Credit institutions430/8€125€125=
Trade debts44€11k€557k▲
Suppliers440/4€11k€557k▲
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61-€14k
Other operating charges640/8€1k€387▼
Gross operating margin9900€-5k€-14k▼
Operating profit (loss)9901€-7k€-15k▼
Financial charges65/66B€727€176▼
Recurring financial charges65€727€176▼
Profit (loss) for the period before taxes9903€-7k€-15k▼
Profit (loss) for the period9904€-7k€-15k▼
Profit (loss) for the period to be appropriated9905€-7k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-22k▼
Profit (loss) brought forward from the previous period14P€0€-7k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €2MEq €2.83M ▲5128%
Equity rises from €54k to €2.83M.
24-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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
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 BrusselGround 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
ESPEVELO3
since 20222.342.161.901
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
Ownership & control
2 parent companiesControl over this companyparent company per the LEI register2
Brussel
Brussel · indirect
controls
ESPEVELO3BE 0794.274.008
Recognitions · licences · registrations
Legal Entity Identifier
699400DJWX90047T4E84
Similar companies · same sector, comparable size
SOGERIM CONSTRUCTION
BE 0416.663.696
Sint-Lambrechts-Woluwe · Eq €2,831,601
WONINGBOUW VANDEREYCKEN
BE 0422.829.928
Hasselt · Eq €2,823,678
Kompas
BE 0859.890.845
Bierbeek · Eq €2,816,781
COMPASS PROJECTONTWIKKELING
BE 0451.742.262
Peer · Eq €2,847,206
MABU
BE 0454.345.426
Maaseik · Eq €2,814,151
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 3,097 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:daisy.deraymaeker@patronale.be