Summary
ESSAIME is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €1.2m and a net result of €20,977. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 95% of 134 sector peers (fiscal year 2026). The company has been active since 2010 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 31-03-2026 was due by 31-10-2026 and was filed on 17-08-2026, 75 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
75 d early
2025
on the day
2024
1 d early
2023
2 d early
2022
65 d early
2021
on the day
2020
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 16 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 29 October (4 of the last 5 filed years within 63 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-03-2027 close31-10-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2026, micro schema
Equity
€1.2m▲ 1.8%
2025 · €1.2m
Net result
€20,977▼ 93.1%
2025 · €305,044
Total assets
€1.2m▼ 5.0%
2025 · €1.3m
Solvency
99.7%▲ 6.7pp
2025 · 93.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20222023202420252026
Operating result€9,179▼ 78.2%€13,407▲ 46.1%€11,265▼ 16.0%-€7,885-€8,652▼ 9.7%
Net result€66,558within the sector's middle half▼ 85.6%€60,745within the sector's middle half▼ 8.7%-€34,314below the sector's middle half€305,044above the sector's middle half€20,977▼ 93.1%
Equity€1.4mabove the sector's middle half▲ 5.2%€1.4mabove the sector's middle half▲ 4.5%€1.4mabove the sector's middle half▼ 2.4%€1.2mabove the sector's middle half▼ 15.5%€1.2m▲ 1.8%
Total assets€1.9mabove the sector's middle half▼ 0.4%€1.9mabove the sector's middle half▲ 1.3%€1.4mabove the sector's middle half▼ 25.8%€1.3mabove the sector's middle half▼ 10.8%€1.2m▼ 5.0%
Debt€12,704▼ 73.3%€18,279▲ 43.9%€24,934▲ 36.4%€87,944▲ 253%€3,965▼ 95.5%
Working capital€111,811within the sector's middle half▼ 67.6%€132,233within the sector's middle half▲ 18.3%€66,181within the sector's middle half▼ 50.0%€1.1mabove the sector's middle half▲ 1,611%€40,075▼ 96.5%
Solvency72.5%within the sector's middle half▲ 3.8pp74.7%within the sector's middle half▲ 2.3pp98.2%above the sector's middle half▲ 23.5pp93.0%above the sector's middle half▼ 5.2pp99.7%▲ 6.7pp
Current ratio10.12above the sector's middle half▲ 1.868.43above the sector's middle half▼ 1.693.65within the sector's middle half▼ 4.7813.88above the sector's middle half▲ 10.2211.11▼ 2.77
Return on assets (ROA)3.6%within the sector's middle half▼ 21.1pp3.2%within the sector's middle half▼ 0.4pp-2.4%below the sector's middle half▼ 5.7pp24.3%within the sector's middle half▲ 26.8pp1.8%▼ 22.6pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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 stays negative: a loss of €8,652 in 2026 against €7,885 in 2025; the loss grows and 2026 has the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.2m
Fixed assets
€1.1m ▲ 3,391%
Current assets
€44,040 ▼ 96.4%
Equity and liabilities €1.2m
Equity
€1.2m ▲ 1.8%
Debt
€3,965 ▼ 95.5%
Debt's share of the balance-sheet total falls from 7.0% to 0.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.8%▼
2025 · 26.2%
Debt ≤ 1 year
€3,965▼
2025 · €87,944
Income taxes
€1,214▼
2025 · €31,666
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €1 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,535 | €3,382 | €1,630 | €2,648 | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | -€38,856 | -€41,845 | -€33,065 | - | - | - |
| Other operating charges640/8 | €4,965 | €1,698 | €1,814 | €1,305 | €1,574 | ▲ 20.6% |
| Non-recurring operating charges66A | - | - | €63 | €64 | - | - |
| Gross operating margin9900 | -€21,177 | -€23,359 | -€18,294 | -€3,868 | -€7,078 | ▼ 83.0% |
| Operating profit (loss)9901 | €9,179 | €13,407 | €11,265 | -€7,885 | -€8,652 | ▼ 9.7% |
| Financial income75/76B | €141,276 | €148,759 | €11,018 | €752,871 | €54,866 | ▼ 92.7% |
| Recurring financial income75 | €141,276 | €148,759 | €11,018 | €721,418 | €54,866 | ▼ 92.4% |
| Non-recurring financial income76B | - | - | - | €31,453 | - | - |
| Financial charges65/66B | €74,759 | €96,935 | €56,067 | €408,276 | €24,023 | ▼ 94.1% |
| Recurring financial charges65 | €74,759 | €96,935 | €56,067 | €5,548 | €40 | ▼ 99.3% |
| Non-recurring financial charges66B | - | - | - | €402,727 | €23,983 | ▼ 94.0% |
| Profit (loss) for the period before taxes9903 | €75,695 | €65,230 | -€33,784 | €336,710 | €22,191 | ▼ 93.4% |
| Income taxes67/77 | €9,138 | €4,485 | €530 | €31,666 | €1,214 | ▼ 96.2% |
| Profit (loss) for the period9904 | €66,558 | €60,745 | -€34,314 | €305,044 | €20,977 | ▼ 93.1% |
| Profit (loss) for the period to be appropriated9905 | €66,558 | €60,745 | -€34,314 | €305,044 | €20,977 | ▼ 93.1% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.9m | €1.9m | €1.4m | €1.3m | €1.2m | ▼ 5.0% |
| Fixed assets21/28 | €1.7m | €1.7m | €1.3m | €32,828 | €1.1m | ▲ 3,391% |
| Tangible fixed assets22/27 | €6,757 | €3,376 | €1,746 | €22,828 | - | - |
| Furniture and vehicles24 | €6,757 | €3,376 | €1,746 | €22,828 | - | - |
| Financial fixed assets28 | €1.7m | €1.7m | €1.3m | €10,000 | €1.1m | ▲ 11,360% |
| Current assets29/58 | €124,069 | €150,027 | €91,115 | €1.2m | €44,040 | ▼ 96.4% |
| Amounts receivable within one year40/41 | €101,777 | €78,913 | €86,944 | €2,617 | €19,052 | ▲ 628% |
| Trade receivables40 | €1,695 | - | €968 | €2,617 | - | - |
| Other amounts receivable41 | €100,082 | €78,913 | €85,976 | - | €19,052 | - |
| Current investments50/53 | €7,386 | - | - | €12,143 | €5,823 | ▼ 52.0% |
| Cash at bank and in hand54/58 | €14,906 | €71,114 | €4,171 | €1.2m | €19,165 | ▼ 98.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.9m | €1.9m | €1.4m | €1.3m | €1.2m | ▼ 5.0% |
| Equity10/15 | €1.4m | €1.4m | €1.4m | €1.2m | €1.2m | ▲ 1.8% |
| Contributions10/11 | €31,242 | €31,242 | €31,242 | €31,242 | €31,242 | = |
| Revaluation surpluses12 | €519,100 | €519,100 | €519,100 | - | - | - |
| Reserves13 | €802,426 | €863,171 | €828,857 | €1.1m | €1.2m | ▲ 1.8% |
| Non-distributable reserves130/1 | €4,364 | €4,364 | €4,364 | €4,364 | €4,364 | = |
| Reserves not available under the articles1311 | €4,364 | €4,364 | €4,364 | €4,364 | €4,364 | = |
| Tax-exempt reserves132 | €4,484 | €4,484 | €4,484 | €4,484 | €4,484 | = |
| Distributable reserves133 | €793,578 | €854,323 | €820,010 | €1.1m | €1.1m | ▲ 1.9% |
| Provisions and deferred taxes16 | €501,398 | €459,553 | - | - | - | - |
| Provisions for liabilities and charges160/5 | €501,398 | €459,553 | - | - | - | - |
| Other liabilities and charges164/5 | €501,398 | €459,553 | - | - | - | - |
| Amounts payable17/49 | €12,704 | €18,279 | €24,934 | €87,944 | €3,965 | ▼ 95.5% |
| Amounts payable within one year42/48 | €12,258 | €17,793 | €24,934 | €87,944 | €3,965 | ▼ 95.5% |
| Trade debts44 | €1,019 | €39 | €198 | €1,200 | €3,965 | ▲ 230% |
| Suppliers440/4 | €1,019 | €39 | €198 | €1,200 | €3,965 | ▲ 230% |
| Taxes, remuneration and social security45 | €6,566 | €11,050 | €501 | €31,694 | - | - |
| Taxes450/3 | €6,566 | €11,050 | €501 | €31,694 | - | - |
| Other amounts payable47/48 | €4,674 | €6,704 | €24,235 | €55,049 | - | - |
| Accrued charges and deferred income492/3 | €446 | €486 | - | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €66,558 | €60,745 | -€34,314 | €305,044 | €20,977 | ▼ 93.1% |
| + Depreciation and write-downs630 | €3,535 | €3,382 | €1,630 | €2,648 | - | - |
| Operating cash flow (approximation) | €70,093 | €64,127 | -€32,684 | €307,692 | €20,977 | ▼ 93.2% |
| Investment in fixed assets (approximation) | - | -€1,900 | €426,670 | €1.3m | -€1.1m | ▼ 187% |
| Change in cash | - | €56,208 | -€66,943 | €1.2m | -€1.2m | ▼ 199% |
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
Next filing, fiscal year 2027, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €305,044
Net result €305,044 after one loss-making year.
31-03
Financial
Liquidity quadruplescurrent ratio 13.88
Current ratio from 3.65 to 13.88.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet -€34,314
Net result drops to -€34,314, the lowest in the series; recovery starts the following year.
2023
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €462,767 ▲896%
Net result €462,767, the highest in the series.
31-03
Financial
Liquidity times 11current ratio 8.27
Current ratio from 0.75 to 8.27; short-term debt falls from €287,419 to €47,531.
31-03
Financial
Equity above €1mEq €1.3m ▲56.2%
3 profitable years in a row build equity to €1.3m.
Show earlier events
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
31-03
Financial
Equity above €500,000Eq €823,443 ▲210%
2 profitable years in a row build equity to €823,443.
2019
19-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2014
20-05
State Gazette act
General meeting · Capital increase
Member admission · Member resignation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 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, Ottignies-Louvain-la-Neuve
Ground area
3,978 m²
Building footprint
143 m²
Volume, LiDAR
1,068 m³
Parcel 25056A0536/00N000, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25056A0536/00N000 | Wallonia | 3,978 m² | 1 · 143 m² | 9.5 m · 3 fl. |
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.
Similar companies · same sector, comparable size
Cada Mosa
BE 0821.883.572
Hasselt · Eq €1,186,183
WIK
BE 0899.610.860
Maldegem · Eq €1,185,920
MAGDUTON
BE 0438.069.024
Brugge · Eq €1,185,902
Neyo
BE 0544.393.791
Ardooie · Eq €1,185,777
I.H.V.V.
BE 0445.976.009
Anzegem · Eq €1,185,641
Of 24,728 companies in sector 64210 we hold annual accounts for 19,800. 12,295 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
Founded08-04-2010
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
70200Business and other management consultancy
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0824810596
Also
9925:BE0824810596
Registered
26-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.