ESPRIT BOIS
ActiveESPRIT BOIS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €311k and a net result of €89k. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 54% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-6
Solvency76=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.21 against 5.29 in 2024; short-term debt: 20.8% and cash: 61.7% of total assets), and 49.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
50.8%
Return on assets
14.5%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
1 d early
2023
on the day
2022
3 d early
2021
3 d early
2020
5 d early
2019
92 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€311k▲ 9.1%
2024 · €285k
2018: €86k
2019: €81k
2020: €99k
2021: €107k
2022: €133k
2023: €178k
2024: €285k
2018 → 2025
Total assets
€613k▲ 9.1%
2024 · €562k
2018: €427k
2019: €376k
2020: €406k
2021: €374k
2022: €391k
2023: €475k
2024: €562k
2018 → 2025
Net result
€89k▼ 19.5%
2024 · €110k
2018: €511
2019: €-2k
2020: €21k
2021: €11k
2022: €28k
2023: €48k
2024: €110k
2018 → 2025
Working capital
€281k▲ 0.7%
2024 · €279k
2018: €15k
2019: €39k
2020: €86k
2021: €100k
2022: €146k
2023: €206k
2024: €279k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€133k▲ 23.8%€178k▲ 34.3%€285k▲ 60.3%€311k▲ 9.1%
Operating result€19k-€43k▲ 129%€69k▲ 63.0%€158k▲ 127%€132k▼ 16.0%
Net result€11k-€28k▲ 164%€48k▲ 70.1%€110k▲ 128%€89k▼ 19.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €613k
Fixed assets
€204k▼ 6.2%
Current assets
€409k▲ 18.7%
Equity and liabilities €613k
Equity
€311k▲ 9.1%
Debt
€301k▲ 9.1%
The debt ratio stays at 49.2%.
Key figures and ratios
EBITDA
€169k▼
2024 · €188k
Cash flow
€126k▼
2024 · €141k
Solvency
50.8%=
2024 · 50.8%
Current ratio
3.21▼
2024 · 5.29
Quick ratio
3.21▼
2024 · 5.29
Debt / equity
0.97=
2024 · 0.97
ROE
28.5%▼
2024 · 38.6%
ROA
14.5%▼
2024 · 19.6%
Interest coverage
21.80▼
2024 · 21.88
Debt
€301k▲
2024 · €276k
Debt ≤ 1 year
€127k▲
2024 · €65k
Debt > 1 year
€174k▼
2024 · €197k
Income taxes
€40k▼
2024 · €43k
Staff costs
€101k▼
2024 · €101k
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€562k€613k▲
Fixed assets21/28€218k€204k▼
Intangible fixed assets21-€1k
Tangible fixed assets22/27€218k€203k▼
Land and buildings22€169k€159k▼
Plant, machinery and equipment23€20k€8k▼
Furniture and vehicles24€28k€36k▲
Current assets29/58€344k€409k▲
Amounts receivable within one year40/41€33k€28k▼
Trade receivables40€29k€15k▼
Other amounts receivable41€4k€13k▲
Cash at bank and in hand54/58€308k€378k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€562k€613k▲
Equity10/15€285k€311k▲
Contributions10/11€19k€19k=
Reserves13€247k€276k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€245k€274k▲
Profit (loss) carried forward14€4k€4k=
Investment grants15€16k€13k▼
Amounts payable17/49€276k€301k▲
Amounts payable after more than one year17€197k€174k▼
Financial debts170/4€197k€174k▼
Amounts payable within one year42/48€65k€127k▲
Current portion of amounts payable after more than one year42€23k€23k▼
Trade debts44€35k€30k▼
Suppliers440/4€35k€30k▼
Taxes, remuneration and social security45€2k€14k▲
Taxes450/3€2k€14k▲
Other amounts payable47/48€4k€60k▲
Accrued charges and deferred income492/3€14k-
Income statement
Code20242025
Remuneration, social security and pensions62€101k€101k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€37k▲
Other operating charges640/8€7k€7k▼
Gross operating margin9900€296k€276k▼
Operating profit (loss)9901€158k€132k▼
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€153k€129k▼
Income taxes67/77€43k€40k▼
Profit (loss) for the period9904€110k€89k▼
Profit (loss) for the period to be appropriated9905€110k€89k▼
Appropriation of the result
Profit (loss) to be appropriated9906€114k€93k▼
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer from equity791/2-€60k
Transfer to equity691/2€110k€89k▼
To other reserves6921€110k€89k▼
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €110k ▲128%
Operating result €158k, net result €110k, both a record.
31-12
Financial
Equity above €200kEq €285k ▲60.3%
5 profitable years in a row build equity to €285k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €178k ▲34.3%
4 profitable years in a row build equity to €178k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €107k ▲7.9%
2 profitable years in a row build equity to €107k.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-12
Financial
Weakest financial yearnet €-2k ▼494%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mouscron · 1 establishment unit since 2018
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.
Groene Brugstraat 477700 MouscronGround area
33 m²
Parcel 54007B0748/00L003, Wallonia. Linked by address, not a title deed.
1 establishment unit
ESPRIT BOIS
since 20182.277.989.867
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54007B0748/00L003indicative | Wallonia | 33 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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 366 companies in sector 43421 we hold annual accounts for 203. 150 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2010
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43421Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43332Laying of wooden floor and wall coverings
43343Specialised construction activities
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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
2 entriesE-mail:sv.samvalays@gmail.com
Phone:056/34.02.67