ESTIA
ActiveESTIA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €6k. Equity is growing by ~65% per year across the filed fiscal years. Its solvency ranks better than 95% of 7697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
99
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth82▲+23
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
cash: 99.5% of total assets, and 2.7% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
97.3%
Return on assets
36.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-04-2026, 120 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
120 d early
2024
76 d early
2023
28 d early
2022
238 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€28k▲ 43.2%
2024 · €19k
2023: €20k
2024: €19k
2023 → 2025
EBIT margin
21.9%▲ 3.6pp
2024 · 18.3%
2023: 17.2%
2024: 18.3%
2023 → 2025
Net result
€6k▲ 72.3%
2024 · €3k
2022: €3k
2023: €3k
2024: €3k
2022 → 2025
Working capital
€10k▲ 52.8%
2023 · €7k
2023: €7k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€20k€19k▼ 3.3%€28k▲ 43.2%
Equity€3k-€7k▲ 105%€10k▲ 52.7%€16k▲ 59.5%
Operating result€3k-€3k▲ 5.0%€4k▲ 3.2%€6k▲ 71.1%
Net result€3k-€3k▲ 4.8%€3k▲ 2.9%€6k▲ 72.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 71% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €16k
Equity
€16k▲ 59.5%
Debt
€441▲ 25.7%
The debt ratio falls from 3.4% to 2.7%. Equity and debt are higher.
Key figures and ratios
Solvency
97.3%▲
2024 · 96.6%
Debt / equity
0.03▼
2024 · 0.04
ROE
37.3%▲
2024 · 34.5%
ROA
36.3%▲
2024 · 33.3%
Debt
€441▲
2024 · €351
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€10k€16k▲
Current assets29/58€10k€16k▲
Cash at bank and in hand54/58€10k€16k▲
Deferred charges and accrued income490/1-€80
Equity and liabilities
Total equity and liabilities10/49€10k€16k▲
Equity10/15€10k€16k▲
Profit (loss) carried forward14€10k€16k▲
Amounts payable17/49€351€441▲
Amounts payable within one year42/48€345-
Trade debts44€345-
Suppliers440/4€345-
Accrued charges and deferred income492/3€6€441▲
Income statement
Code20242025
Turnover70€19k€28k▲
Goods, raw materials, services and sundry goods60/61€17k€26k▲
Other operating charges640/8€578-
Gross operating margin9900€4k€6k▲
Operating profit (loss)9901€4k€6k▲
Financial charges65/66B€67€72▲
Recurring financial charges65€67€72▲
Profit (loss) for the period before taxes9903€3k€6k▲
Profit (loss) for the period9904€3k€6k▲
Profit (loss) for the period to be appropriated9905€3k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€16k▲
Profit (loss) brought forward from the previous period14P€7k€10k▲
The notes to these accounts (1 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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €6k ▲72.3%
Operating result €6k, net result €6k, both a record.
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 30.07
Current ratio from 11.85 to 30.07; short-term debt falls from €605 to €345.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
25-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 238 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, Leuven · 1 establishment unit since 2024
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.
Zwaluwenlaan 13001 LeuvenGround area
303 m²
Building footprint
98 m²
Volume, LiDAR
863 m³
Parcel 24434F0237/00L002, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ESTIA
since 20242.365.627.981
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24434F0237/00L002 | Flanders | 303 m² | 1 · 98 m² | 12.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
Dienstenwaaier
BE 1002.358.507
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Boduco
BE 0758.499.220
Houthulst · Eq €16k
SOMAI
BE 0690.821.825
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Darom
BE 0792.423.781
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B finance
BE 0829.441.852
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Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 5,404 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded15-07-2020
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
94999Other membership organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.