ETERVEL
ActiveETERVEL has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €56. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 16% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79=
Solvency35▲+1
Growth66▲+2
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 28.25 against 0.83 in 2024; short-term debt: 0.4% and cash: 9.5% of total assets), but 90.4% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
9.6%
Return on assets
0%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 05-01-2026, 66 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 filingsDeviation from the deadline
2025
66 d late
2024
27 d early
2023
27 d late
2022
25 d early
2021
16 d early
2020
4 d early
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€25k▲ 11.0%
2024 · €22k
2019: €21k
2020: €17k
2021: €20k
2022: €20k
2023: €21k
2024: €22k
2019 → 2025
EBIT margin
0.4%▲ 12.4pp
2024 · -12.0%
2019: -20.8%
2020: -20.3%
2021: -35.1%
2022: -16.0%
2023: -13.4%
2024: -12.0%
2019 → 2025
Net result
€56▲ 16.7%
2024 · €48
2019: €8
2020: €33
2021: €14
2022: €17
2023: €52
2024: €48
2019 → 2025
Working capital
€17k
2024 · €-2k
2019: €-2k
2020: €-3k
2021: €-426
2022: €-1k
2023: €635
2024: €-2k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€20k-€20k▼ 0.4%€21k▲ 7.9%€22k▲ 4.3%€25k▲ 11.0%
Equity€17k-€17k▲ 0.1%€17k▲ 0.3%€17k▲ 0.3%€17k▲ 0.3%
Operating result€-7k-€-3k▲ 54.6%€-3k▲ 9.9%€-3k▲ 6.6%€103
Net result€14-€17▲ 21.4%€52▲ 206%€48▼ 7.7%€56▲ 16.7%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €103 after a loss of €3k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€160k▼ 6.7%
Current assets
€18k▲ 72.7%
Equity and liabilities €178k
Equity
€17k▲ 0.3%
Debt
€161k▼ 2.4%
The debt ratio falls from 90.7% to 90.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €10k
Cash flow
€13k▲
2024 · €13k
Solvency
9.6%▲
2024 · 9.3%
Current ratio
28.25▲
2024 · 0.83
Quick ratio
28.25▲
2024 · 0.83
Debt / equity
9.44▼
2024 · 9.71
ROE
0.3%▲
2024 · 0.3%
ROA
0.0%▲
2024 · 0.0%
Interest coverage
285.06▲
2024 · 215.02
Debt
€161k▼
2024 · €165k
Debt ≤ 1 year
€638▼
2024 · €13k
Debt > 1 year
€160k▲
2024 · €152k
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€182k€178k▼
Formation expenses20-€0
Fixed assets21/28€172k€160k▼
Tangible fixed assets22/27€167k€153k▼
Land and buildings22€167k€153k▼
Financial fixed assets28€5k€7k▲
Current assets29/58€10k€18k▲
Amounts receivable within one year40/41€2k€1k▼
Trade receivables40€2k€1k▼
Cash at bank and in hand54/58€9k€17k▲
Deferred charges and accrued income490/1€123€123=
Equity and liabilities
Total equity and liabilities10/49€182k€178k▼
Equity10/15€17k€17k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-2k€-2k▲
Amounts payable17/49€165k€161k▼
Amounts payable after more than one year17€152k€160k▲
Financial debts170/4€152k€160k▲
Amounts payable within one year42/48€13k€638▼
Current portion of amounts payable after more than one year42€12k-
Taxes, remuneration and social security45€615€638▲
Taxes450/3€615€638▲
Income statement
Code20242025
Turnover70€22k€25k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€13k€16k▲
Operating profit (loss)9901€-3k€103▲
Financial income75/76B€3k€0▼
Recurring financial income75€3k€0▼
Non-recurring financial income76B€3k€0▼
Financial charges65/66B€47€47=
Recurring financial charges65€47€47=
Profit (loss) for the period before taxes9903€48€56▲
Profit (loss) for the period9904€48€56▲
Profit (loss) for the period to be appropriated9905€48€56▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-2k▲
Profit (loss) brought forward from the previous period14P€-2k€-2k▲
The notes to these accounts (9 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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 66 days late
2025
31-03
Financial
Highest result since 2019net €56 ▲16.7%
Operating result €103, net result €56, both a record.
31-03
Financial
Liquidity times 34current ratio 28.25
Current ratio from 0.83 to 28.25; short-term debt falls from €13k to €638.
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2022
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
08-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 8 days late
2017
25-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
22-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2007
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.
Roodebeeksteenweg 2061200 Sint-Lambrechts-WoluweGround area
615 m²
Building footprint
145 m²
Volume, LiDAR
1,723 m³
2 parcels, Brussels · tallest building 16.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Establishment
since 20072.161.419.920
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21674C0289/00A007 | Brussels | 424 m² | 1 · 55 m² | 16.8 m · 5 fl. |
| 21673D0055/00R006 | Brussels | 191 m² | 1 · 90 m² | 14.0 m · 4 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
PASSIO
BE 1016.857.631
Leuven · Eq €17k
SEVEN DAYS OPEN
BE 0475.671.568
Heist-op-den-Berg · Eq €17k
FKI
BE 1027.159.922
Waterloo · Eq €17k
SOLUTIONS TILES
BE 1005.189.026
Brussel · Eq €17k
DEGCON
BE 0464.551.212
Leuven · Eq €17k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 28,848 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-10-2006
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
70210Activities of head offices; management consultancy activities
73200Market research and public opinion polling
73300Public relations and communication consultancy
74131
74141
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.