EST-ELLE

Active

Private limited companyfounded 201016 yrs activeGemeentestraat 34, 2560 Nijlen, BelgiumKBO/BCE: BE 0823.276.513

EST-ELLE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80k and a net result of €19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 44% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

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Checked score

Score 2025

65 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability77▼-17

Solvency52▲+4

Growth78=

Track record100

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 1.75 against 1.6 in 2024; short-term debt: 31.4% and cash: 11.8% of total assets), but 72.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

27.5%

Return on assets

6.4%

Age of the figures

9 mo

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year €80k

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 filings

Deviation from the deadline

2025

27 d late

2024

12 d late

2023

on the day

2022

14 d early

2021

53 d late

2020

89 d late

2019

53 d late

← before the deadline after the deadline →

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 months

Position in the running window

20-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€80k▲ 30.6%

2024 · €62k

2018: €19k 2019: €-7k 2020: €-9k 2021: €32k 2022: €-17k 2023: €8k 2024: €62k

2018 → 2025

Total assets

€293k▲ 8.7%

2024 · €269k

2018: €335k 2019: €309k 2020: €293k 2021: €319k 2022: €249k 2023: €263k 2024: €269k

2018 → 2025

Net result

€19k▼ 65.0%

2024 · €54k

2018: €2k 2019: €-26k 2020: €-2k 2021: €41k 2022: €-49k 2023: €24k 2024: €54k

2018 → 2025

Working capital

€69k▲ 60.1%

2024 · €43k

2018: €-48k 2019: €-30k 2020: €-13k 2021: €29k 2022: €-24k 2023: €-4k 2024: €43k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€32k-€-17k€8k€62k▲ 695%€80k▲ 30.6%

Operating result€69k-€-45k€38k€85k▲ 126%€43k▼ 49.3%

Net result€41k-€-49k€24k€54k▲ 121%€19k▼ 65.0%

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 49% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €293k

45.1%

54.9%

Fixed assets €132k▼ 14.4%

Current assets €161k▲ 39.8%

Equity and liabilities €293k

27.5%

72.5%

Equity €80k▲ 30.6%

Debt €212k▲ 2.2%

The debt ratio falls from 77.2% to 72.5%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€65k▼

2024 · €108k

Cash flow

€41k▼

2024 · €77k

Solvency

27.5%▲

2024 · 22.8%

Current ratio

1.75▲

2024 · 1.60

Quick ratio

0.93▲

2024 · 0.70

Debt / equity

2.64▼

2024 · 3.38

ROE

23.4%▼

2024 · 87.4%

ROA

6.4%▼

2024 · 20.0%

Interest coverage

6.16▼

2024 · 9.79

Debt

€212k▲

2024 · €208k

Debt ≤ 1 year

€92k▲

2024 · €72k

Debt > 1 year

€119k▼

2024 · €136k

Income taxes

€14k▼

2024 · €20k

Staff costs

€99k▲

2024 · €79k

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€269k€293k▲

Fixed assets21/28€154k€132k▼

Tangible fixed assets22/27€154k€132k▼

Land and buildings22€112k€100k▼

Plant, machinery and equipment23€28k€20k▼

Furniture and vehicles24€6k€5k▼

Other tangible fixed assets26€8k€7k▼

Current assets29/58€115k€161k▲

Stocks and contracts in progress3€64k€75k▲

Stocks30/36€64k€75k▲

Amounts receivable within one year40/41€22k€48k▲

Trade receivables40€22k€466▼

Other amounts receivable41€336€48k▲

Cash at bank and in hand54/58€28k€35k▲

Deferred charges and accrued income490/1-€3k

Equity and liabilities

Total equity and liabilities10/49€269k€293k▲

Equity10/15€62k€80k▲

Contributions10/11€51k€51k=

Reserves13€526€526=

Tax-exempt reserves132€526€526=

Profit (loss) carried forward14€10k€29k▲

Amounts payable17/49€208k€212k▲

Amounts payable after more than one year17€136k€119k▼

Financial debts170/4€136k€119k▼

Amounts payable within one year42/48€72k€92k▲

Current portion of amounts payable after more than one year42€19k€17k▼

Trade debts44€13k€10k▼

Suppliers440/4€13k€10k▼

Taxes, remuneration and social security45€26k€65k▲

Taxes450/3€26k€51k▲

Remuneration and social security454/9-€14k

Other amounts payable47/48€15k-

Accrued charges and deferred income492/3-€1k

Income statement Code20242025

Remuneration, social security and pensions62€79k€99k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€22k▼

Other operating charges640/8€7k€12k▲

Gross operating margin9900€194k€177k▼

Operating profit (loss)9901€85k€43k▼

Financial income75/76B€49€340▲

Recurring financial income75€49€340▲

Financial charges65/66B€11k€11k▼

Recurring financial charges65€11k€11k▼

Profit (loss) for the period before taxes9903€74k€33k▼

Income taxes67/77€20k€14k▼

Profit (loss) for the period9904€54k€19k▼

Profit (loss) for the period to be appropriated9905€54k€19k▼

Appropriation of the result

Profit (loss) to be appropriated9906€10k€29k▲

Profit (loss) brought forward from the previous period14P€-44k€10k▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 27 days late

2025

12-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 12 days late

2024

31-12

Financial Highest result since 2018net €54k ▲121%

Operating result €85k, net result €54k, both a record.

31-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €24k

Net result €24k after one loss-making year.

17-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-49k ▼219%

Net result drops to €-49k, the lowest in the series; recovery starts the following year.

22-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 53 days late

2021

31-12

Financial Back to profitnet €41k

Net result €41k after 2 loss-making years.

28-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 89 days late

2020

22-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 53 days late

2019

20-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 20 days late

2018

12-07

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

18-09

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 49 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Nijlen · 2 establishment units since 2013

establishment All 2 establishment units on the map

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.

Gemeentestraat 342560 Nijlen

Ground area

835 m²

Building footprint

548 m²

Volume, LiDAR

3,928 m³

2 parcels, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.

2 establishment units

Leonidas - Doopsuiker Greet

Gemeentestraat 25, 2560 NijlenRetail sale of chocolate and confectionery

since 20132.219.749.384

Parfumerie Verola - Schoonheidssalon Est-Elle

Gemeentestraat 34, 2560 NijlenWholesale of perfume and cosmetics

since 20152.310.930.374

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12026D0277/00R000 ProtectedTownscape or village viewPastorie Sint-Willibrordusparochie met omgevingSource ↗	Flanders	497 m²	1 · 395 m²	10.3 m · 3 fl.
12026D0250/00Z000	Flanders	338 m²	1 · 153 m²	10.8 m · 3 fl.