Summary
ESQUIVE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €25,917 and a net result of €11,166. Equity is shrinking by ~29.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 3320 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 16-06-2025, 45 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
45 d early
2023
46 d early
2022
51 d early
2021
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 43 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€25,917▲ 75.7%
2023 · €14,751
Net result
€11,166
2023 · -€9,140
Total assets
€50,826▼ 51.7%
2023 · €105,310
Solvency
51.0%▲ 37.0pp
2023 · 14.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Turnover€0€0
Operating result€45,551--€24,750-€7,278▲ 70.6%€14,471
Net result€30,525within the sector's middle half--€26,634below the sector's middle half-€9,140below the sector's middle half▲ 65.7%€11,166within the sector's middle half
Equity€50,525within the sector's middle half-€23,891below the sector's middle half▼ 52.7%€14,751below the sector's middle half▼ 38.3%€25,917below the sector's middle half▲ 75.7%
Total assets€160,784within the sector's middle half-€113,434below the sector's middle half▼ 29.4%€105,310below the sector's middle half▼ 7.2%€50,826below the sector's middle half▼ 51.7%
Debt€110,258-€89,543▼ 18.8%€90,558▲ 1.1%€24,909▼ 72.5%
Working capital€17,684within the sector's middle half--€6,415below the sector's middle half-€13,414below the sector's middle half▼ 109%€22,652within the sector's middle half
Solvency31.4%within the sector's middle half-21.1%within the sector's middle half▼ 10.4pp14.0%below the sector's middle half▼ 7.1pp51.0%within the sector's middle half▲ 37.0pp
Current ratio1.84within the sector's middle half-0.00below the sector's middle half▼ 1.840.01below the sector's middle half▲ 0.011.91within the sector's middle half▲ 1.90
Return on assets (ROA)19.0%within the sector's middle half--23.5%below the sector's middle half▼ 42.5pp-8.7%below the sector's middle half▲ 14.8pp22.0%above the sector's middle half▲ 30.6pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €14,471 after a loss of €7,278 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €50,421
Fixed assets
€2,861 ▼ 97.3%
Current assets
€47,560 ▲ 27,015%
Equity and liabilities €50,826
Equity
€25,917 ▲ 75.7%
Debt
€24,909 ▼ 72.5%
Debt's share of the balance-sheet total falls from 86.0% to 49.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
43.1%▲
2023 · -62.0%
Debt ≤ 1 year
€24,909▲
2023 · €13,589
Debt > 1 year
€0▼
2023 · €76,969
Income taxes
€1,245
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Turnover70 | - | - | €0 | €0 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €0 | €0 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,832 | €7,007 | €3,963 | €623 | ▼ 84.3% |
| Other operating charges640/8 | €18,896 | €1,125 | €981 | €1,167 | ▲ 19.0% |
| Gross operating margin9900 | €70,278 | -€16,618 | -€2,334 | €16,261 | ▲ 797% |
| Operating profit (loss)9901 | €45,551 | -€24,750 | -€7,278 | €14,471 | ▲ 299% |
| Financial charges65/66B | €2,138 | €1,784 | €1,862 | €2,060 | ▲ 10.6% |
| Recurring financial charges65 | €2,138 | €1,784 | €1,862 | €2,060 | ▲ 10.6% |
| Profit (loss) for the period before taxes9903 | €43,412 | -€26,533 | -€9,140 | €12,411 | ▲ 236% |
| Income taxes67/77 | €12,887 | €101 | - | €1,245 | - |
| Profit (loss) for the period9904 | €30,525 | -€26,634 | -€9,140 | €11,166 | ▲ 222% |
| Profit (loss) for the period to be appropriated9905 | €30,525 | -€26,634 | -€9,140 | €11,166 | ▲ 222% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €160,784 | €113,434 | €105,310 | €50,826 | ▼ 51.7% |
| Formation expenses20 | €1,618 | €1,214 | €809 | €405 | ▼ 50.0% |
| Fixed assets21/28 | €120,403 | €112,220 | €104,325 | €2,861 | ▼ 97.3% |
| Tangible fixed assets22/27 | €120,403 | €112,220 | €104,325 | €2,861 | ▼ 97.3% |
| Land and buildings22 | €111,442 | €107,883 | €104,325 | €0 | ▼ 100% |
| Furniture and vehicles24 | €8,962 | €4,337 | €0 | €2,861 | - |
| Current assets29/58 | €38,762 | €0 | €175 | €47,560 | ▲ 27,015% |
| Amounts receivable within one year40/41 | €19,472 | €0 | €0 | €5,872 | - |
| Trade receivables40 | €18,374 | €0 | €0 | €0 | - |
| Other amounts receivable41 | €1,098 | €0 | - | €5,872 | - |
| Cash at bank and in hand54/58 | €19,290 | €0 | €175 | €41,273 | ▲ 23,431% |
| Deferred charges and accrued income490/1 | - | - | - | €416 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €160,784 | €113,434 | €105,310 | €50,826 | ▼ 51.7% |
| Equity10/15 | €50,525 | €23,891 | €14,751 | €25,917 | ▲ 75.7% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Outside capital11 | €20,000 | - | - | - | - |
| Other1109/19 | €20,000 | - | - | - | - |
| Reserves13 | €30,525 | €30,525 | €30,525 | €41,691 | ▲ 36.6% |
| Distributable reserves133 | €30,525 | €30,525 | €30,525 | €41,691 | ▲ 36.6% |
| Profit (loss) carried forward14 | - | -€26,634 | -€35,774 | -€35,774 | = |
| Amounts payable17/49 | €110,258 | €89,543 | €90,558 | €24,909 | ▼ 72.5% |
| Amounts payable after more than one year17 | €89,180 | €83,128 | €76,969 | €0 | ▼ 100% |
| Financial debts170/4 | €89,180 | €83,128 | €76,969 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €21,078 | €6,415 | €13,589 | €24,909 | ▲ 83.3% |
| Current portion of amounts payable after more than one year42 | €5,943 | €6,052 | €6,159 | €0 | ▼ 100% |
| Trade debts44 | €2,248 | €243 | €6,925 | €2,502 | ▼ 63.9% |
| Suppliers440/4 | €2,248 | €243 | €6,925 | €2,502 | ▼ 63.9% |
| Taxes, remuneration and social security45 | €12,887 | €101 | €0 | €4,514 | - |
| Taxes450/3 | €12,887 | €101 | €0 | €4,514 | - |
| Remuneration and social security454/9 | €0 | €0 | - | €0 | - |
| Other amounts payable47/48 | €0 | €18 | €505 | €17,892 | ▲ 3,442% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30,525 | -€26,634 | -€9,140 | €11,166 | ▲ 222% |
| + Depreciation and write-downs630 | €5,832 | €7,007 | €3,963 | €623 | ▼ 84.3% |
| Operating cash flow (approximation) | €36,358 | -€19,627 | -€5,177 | €11,789 | ▲ 328% |
| Investment in fixed assets (approximation) | - | €1,176 | €3,932 | €100,841 | ▲ 2,465% |
| Change in cash | - | -€19,290 | €175 | €41,097 | ▲ 23,331% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €11,166
Net result €11,166 after 2 loss-making years.
31-12
Financial
Liquidity times 148current ratio 1.91
Current ratio from 0.01 to 1.91.
15-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€26,634
Net result drops to -€26,634, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Aywaille · 1 establishment unit since 2020
Ground area
1,582 m²
Building footprint
108 m²
Parcel 62098H0959/00Y002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Esquive
since 20202.309.290.777
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62098H0959/00Y002 | Wallonia | 1,582 m² | 1 · 108 m² | - |
Linked by address, not proof of ownership
Good to know
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 4,673 companies in sector 66220 we hold annual accounts for 3,222. 1,749 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66210Risk and damage evaluation
66290Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
Contact
E-mail
guillaume.ubaghs@gmail.comAywaille
Phone
+32494528028Aywaille
E-invoicing
Reachable via Peppol
Peppol ID
0208:0757692239
Also
9925:BE0757692239
Registered
15-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.