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Generated 04-09-2026
Active BE 0864.504.283Private limited company

ESSEK

Rue Giroune 11 ·1421 Braine-l'Alleud, Belgium· 22 yrs active
Sector: Agents in the wholesale of textiles, clothing, fur, footwear and leather goods (46160)
Conclusion Checked

ESSEK has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €46k and a net result of €14k. Its solvency ranks better than 59% of 3381 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €46k
Net result €14k
Staff (FTE) 1
Better than sector 59%
Financial profile 5 of 5 axes measured · computed by Checked
Health81Profitability100Solvency64Growth52Stability100
79 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 81
Profitability 100
Solvency 64
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 2004, 22 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2024 · computed
81 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€4k
estimate, not credit advice
Score history
78 2023
81 2024
purely financial, excl. current insolvency signals
Score components
Liquidity Current ratio 1.37 (≥ 1.0) +5
Quick ratio Quick ratio 1.37 (≥ 1.0) +5
Leverage Debt/equity 1.78 (< 2.0) +3
Profitability ROE 31% (≥ 10%) +10
Interest coverage Interest coverage 8.2× (≥ 3×) +8
Profit trend Net profit down YoY -3
Equity growth Equity growing YoY +3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview21 NBB filings
Annual accounts filed on 28-06-2025 with the NBB · fiscal year 2024 · micro schema
€0€20k€40k€60kOperating result 2023: €63k€63kNet result 2023: €55k€55kOperating result 2024: €15k€15kNet result 2024: €14k€14k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 35.9% 25.2%
better than 59% of 3381 sector peers
Net result €14k €4k
better than 66% of 3367 sector peers
Equity €46k €22k
better than 64% of 3388 sector peers
Gross operating margin €49k €19k
better than 69% of 3353 sector peers
Staff costs €30k €27k
higher than 52% of 946 sector peers
EBITDA
€19k
-71.8% 23-24
Net profit
€14k
-74.0% 23-24
Cash flow
€18k
-68.4% 23-24
Total assets
€129k
-2.7% 23-24
Equity
€46k
+32.5% 23-24
Working capital
€31k
+11.5% 23-24
Employees (FTE)
1
0.0% 23-24
Staff costs
€30k
-1.9% 23-24
Income taxes
€6k
-55.5% 23-24
Dividends
€12k
- 23-24
Debt
€83k
-15.3% 23-24
Debt ≤ 1y
€83k
-15.3% 23-24
Current ratio
1.37
+7.0% 23-24
Quick ratio
1.37
+7.0% 23-24
Solvency
35.9%
+36.2% 23-24
Debt / equity
1.78
-36.1% 23-24
ROE
31.0%
-80.4% 23-24
ROA
11.1%
-73.3% 23-24
Interest coverage
8.23
-92.8% 23-24
Figures by fiscal year and ratios
Fiscal year20242023
Depositmicro schemamicro schema
Revenue--
EBITDA€19k€66k
Net profit€14k€55k
Cash flow€18k€58k
Staff costs€30k€31k
Income taxes€6k€13k
Dividends-€12k
Total assets€129k€133k
Equity€46k€35k
Debt€83k€98k
of which ≤ 1y€83k€98k
of which > 1y--
Working capital€31k€28k
Employees (FTE)1.01.0
Ratios (computed)
20242023
Current ratio1.371.28
Quick ratio1.371.28
Working capital ratio23.8%20.7%
Solvency35.9%26.4%
Debt / equity1.782.79
Long-term debt ratio--
Interest coverage8.23113.85
Gross margin--
Net margin--
ROA11.1%41.7%
ROE31.0%158.1%
EBITDA margin--
Days sales outstanding--
Days payable outstanding--
Inventory turnover--
Days inventory (DSI)--
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code20242023
Balance sheet, Assets
TOTAL ASSETS 20/58€129k€133k
Fixed assets 21/28€16k€7k
Tangible fixed assets 22/27€16k€7k
Current assets 29/58€113k€125k
Amounts receivable within one year 40/41€28k€13k
Cash & bank 54/58€84k€109k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€129k€133k
Equity 10/15€46k€35k
Contributions / capital 10/11€19k€19k
Reserves 13€13k€2k
Accumulated profits (losses) 14€15k€15k
Amounts payable 17/49€83k€98k
Amounts payable within one year 42/48€83k€98k
Trade debts payable within one year 44€13k€14k
Income statement
Gross operating margin 9900€49k€98k
Operating result 9901€15k€63k
Financial income 75€1k€4k
Financial charges 65€2k€584
Result before taxes 9903€20k€68k
Income taxes 67/77€6k€13k
Net result for the period 9904€14k€55k
Result to be appropriated 9905€14k€55k
Directors & mandates 1 directors
Current directors & mandates
  • GUELAY Malika
    Director
    State Gazette act 23424023 (10-11-2023)
    Current
    10-11-2023 → present
Legal Structure
NACE primary Agents in the wholesale of textiles, clothing, fur, footwear and leather goods(46160)
Legal form Private limited company(610)
Incorporation02-04-2004
StatusActive
Postal code1421
Establishment units 1 location
ESSEK SPRL
Drève de l'Infante 79, 1410 WaterlooNACE 5116001
since 20042.137.412.816
Real-estate footprint Source: CBE × cadastre
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25078A0358/00E000 Wallonia 7,327 m² 1 · 469 m² 11.9 m · 3 fl.
25762F0043/00Z003 Wallonia 511 m² 1 · 243 m² 11.5 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events
2025
28-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
10-11
State Gazette act Director changes
Olivier DUBUISSON
06-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 37 days late
2022
31-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-09
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
21-09
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
2019
27-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-08
NBB filing Annual accounts filed
fiscal year 2015 · full schema · 30 days late
State Gazette actNBB filing
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2023
10-11-2023 GUELAY Malika appointed as director Director changes·Olivier DUBUISSON
  • GUELAY Malika, Bestuurder
Notary: Olivier DUBUISSON · Ixelles
Technical details 
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  "act_meta": {
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  "decisions": [
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      "body": "algemene_vergadering",
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      "unanimous": true
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  "is_correction": false,
  "subject_company": {
    "kbo": "0864.504.283",
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Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Agents in the wholesale of textiles, clothing, fur, footwear and leather goods46160Wholesale of clothing, excluding workwear and underwear464235116051421
Names & trade names
Legal nameFR ESSEK
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative