Espoir
ActiveEspoir has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €86k and a net result of €7k. Equity is shrinking by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 33% of 691 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▲+5
Solvency45=
Growth35▼-1
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.11 in 2023; short-term debt: 59.2% and cash: 28% of total assets), and 79.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
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
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
20.2%
Return on assets
1.7%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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
not confirmed
2024
28 d late
2023
203 d late
2022
2 d late
2021
260 d late
2020
31 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€152k▼ 4.8%
2023 · €160k
2018: €137k
2019: €128k
2020: €130k
2021: €146k
2022: €158k
2023: €160k
2018 → 2024
EBIT margin
-5.1%▲ 1.6pp
2023 · -6.7%
2018: -678.1%
2019: -742.1%
2020: -777.3%
2021: -670.5%
2022: -714.5%
2023: -6.7%
2018 → 2024
Net result
€7k▲ 156%
2023 · €3k
2018: €10k
2019: €4k
2020: €-1.00M
2021: €-958k
2022: €-1.11M
2023: €3k
2018 → 2024
Working capital
€68k▲ 144%
2023 · €28k
2018: €39k
2019: €12k
2020: €17k
2021: €-12k
2022: €37k
2023: €28k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€130k-€146k▲ 12.7%€158k▲ 7.8%€160k▲ 1.4%€152k▼ 4.8%
Equity€123k-€105k▼ 14.7%€96k▼ 8.6%€82k▼ 14.2%€86k▲ 4.5%
Operating result€-1.01M-€-981k▲ 2.8%€-1.13M▼ 14.9%€-11k▲ 99.1%€-8k▲ 28.0%
Net result€-1.00M-€-958k▲ 4.6%€-1.11M▼ 16.1%€3k€7k▲ 156%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2024 against €11k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €425k
Fixed assets
€106k▼ 12.1%
Current assets
€319k▲ 12.6%
Equity and liabilities €425k
Equity
€86k▲ 4.5%
Provisions
€62k▲ 522%
Debt
€277k▼ 11.1%
The debt ratio falls from 77.1% to 65.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▲
2023 · €19k
Cash flow
€38k▲
2023 · €33k
Solvency
20.2%▼
2023 · 20.4%
Current ratio
1.27▲
2023 · 1.11
Quick ratio
1.27▲
2023 · 1.11
Debt / equity
3.22▼
2023 · 3.78
ROE
8.4%▲
2023 · 3.4%
ROA
1.7%▲
2023 · 0.7%
Interest coverage
27.19▼
2023 · 52.82
Debt
€277k▼
2023 · €311k
Debt ≤ 1 year
€251k▼
2023 · €256k
Staff costs
€1.36M▲
2023 · €1.17M
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€403k€425k▲
Fixed assets21/28€120k€106k▼
Tangible fixed assets22/27€120k€106k▼
Plant, machinery and equipment23€5k€6k▲
Furniture and vehicles24€36k€33k▼
Other tangible fixed assets26€80k€67k▼
Current assets29/58€283k€319k▲
Amounts receivable within one year40/41€32k€39k▲
Trade receivables40€2k€6k▲
Other amounts receivable41€30k€33k▲
Cash at bank and in hand54/58€243k€119k▼
Deferred charges and accrued income490/1€8k€161k▲
Equity and liabilities
Total equity and liabilities10/49€403k€425k▲
Equity10/15€82k€86k▲
Profit (loss) carried forward14€11k€19k▲
Investment grants15€71k€67k▼
Provisions and deferred taxes16€10k€62k▲
Provisions for liabilities and charges160/5€10k€62k▲
Other liabilities and charges164/5€10k€62k▲
Amounts payable17/49€311k€277k▼
Amounts payable within one year42/48€256k€251k▼
Current portion of amounts payable after more than one year42€4k-
Trade debts44€114k€97k▼
Suppliers440/4€114k€97k▼
Taxes, remuneration and social security45€138k€154k▲
Remuneration and social security454/9€138k€154k▲
Accrued charges and deferred income492/3€56k€25k▼
Income statement
Code20232024
Turnover70€160k€152k▼
Non-recurring operating income76A€3k€3k▲
Goods, raw materials, services and sundry goods60/61€171k€204k▲
Remuneration, social security and pensions62€1.17M€1.36M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€31k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-943-
Other operating charges640/8€2k€3k▲
Gross operating margin9900€1.20M€1.39M▲
Operating profit (loss)9901€-11k€-8k▲
Financial income75/76B€16k€18k▲
Recurring financial income75€16k€18k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€366€850▲
Non-recurring financial charges66B€2k€2k▼
Profit (loss) for the period before taxes9903€3k€7k▲
Profit (loss) for the period9904€3k€7k▲
Profit (loss) for the period to be appropriated9905€3k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€19k▲
Profit (loss) brought forward from the previous period14P€9k€11k▲
Social balance
Average headcount (FTE)908718.920.1▲
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
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
19-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 203 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 2 days late
17-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 260 days late
2022
31-12
Financial
Weakest financial yearnet €-1.11M
Net result drops to €-1.11M, the lowest in the series; recovery starts the following year.
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 122 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
05-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 36 days late
2016
10-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 41 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Mons · 1 establishment unit 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.
Rue Ferrer (C.) 767033 MonsGround area
1,997 m²
Building footprint
369 m²
Volume, LiDAR
2,662 m³
Parcel 53019B0511/00G000, Wallonia · tallest building 13.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Espoir
since 19822.160.485.354
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53019B0511/00G000 | Wallonia | 1,997 m² | 1 · 369 m² | 13.1 m · 2 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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Of 142 companies in sector 87992 we hold annual accounts for 89. 47 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded12-10-1982
Fiscal year end31-12
Activities, NACEBEL
85316
87992Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.