EUROBYL
ActiveEUROBYL has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €369k and a net result of €9k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 50% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+28
Solvency71=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.05 against 4.26 in 2024; short-term debt: 23.1% and cash: 43.9% of total assets), but 54.2% 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
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
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
45.8%
Return on assets
1.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · 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 filingsDeviation from the deadline
2025
27 d late
2024
26 d late
2023
21 d early
2022
40 d early
2021
37 d early
2020
38 d early
2019
91 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€9k▲ 13.2%
2024 · €8k
2018: €7k
2019: €2k
2020: €6k
2021: €44k
2022: €79k
2023: €9k
2024: €8k
2018 → 2025
Working capital
€567k▲ 4.1%
2024 · €544k
2018: €204k
2019: €214k
2020: €228k
2021: €279k
2022: €515k
2023: €529k
2024: €544k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€349k-€351k▲ 0.4%€352k▲ 0.3%€360k▲ 2.3%€369k▲ 2.5%
Operating result€66k-€127k▲ 91.5%€29k▼ 77.5%€26k▼ 8.5%€13k▼ 48.9%
Net result€44k-€79k▲ 76.8%€9k▼ 88.2%€8k▼ 14.2%€9k▲ 13.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 49% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €804k
Fixed assets
€52k▼ 20.5%
Current assets
€752k▲ 5.8%
Equity and liabilities €804k
Equity
€369k▲ 2.5%
Provisions
€104▼ 15.8%
Debt
€436k▲ 4.5%
The debt ratio rises from 53.7% to 54.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27k▼
2024 · €39k
Cash flow
€22k▲
2024 · €21k
Solvency
45.8%▼
2024 · 46.3%
Current ratio
4.05▼
2024 · 4.26
Quick ratio
2.29▲
2024 · 2.10
Debt / equity
1.18▲
2024 · 1.16
ROE
2.4%▲
2024 · 2.2%
ROA
1.1%▲
2024 · 1.0%
Interest coverage
66.37▲
2024 · 2.67
Debt
€436k▲
2024 · €417k
Debt ≤ 1 year
€186k▲
2024 · €167k
Debt > 1 year
€250k=
2024 · €250k
Income taxes
€4k▲
2024 · €4k
Staff costs
€20k▲
2024 · €19k
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€777k€804k▲
Fixed assets21/28€66k€52k▼
Tangible fixed assets22/27€66k€52k▼
Land and buildings22€43k€37k▼
Plant, machinery and equipment23€12k€7k▼
Furniture and vehicles24€6k€4k▼
Other tangible fixed assets26€5k€4k▼
Current assets29/58€711k€752k▲
Stocks and contracts in progress3€360k€326k▼
Stocks30/36€360k€326k▼
Amounts receivable within one year40/41€37k€72k▲
Trade receivables40€35k€72k▲
Other amounts receivable41€1k€334▼
Cash at bank and in hand54/58€315k€354k▲
Deferred charges and accrued income490/1€105€105=
Equity and liabilities
Total equity and liabilities10/49€777k€804k▲
Equity10/15€360k€369k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€297k€306k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€291k€300k▲
Investment grants15€210€177▼
Provisions and deferred taxes16€124€104▼
Deferred taxes168€124€104▼
Amounts payable17/49€417k€436k▲
Amounts payable after more than one year17€250k€250k=
Other amounts payable178/9€250k€250k=
Amounts payable within one year42/48€167k€186k▲
Trade debts44€5k€18k▲
Suppliers440/4€5k€18k▲
Advances received on contracts in progress46€192€192=
Taxes, remuneration and social security45€19k€24k▲
Taxes450/3€13k€19k▲
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€144k€143k▼
Income statement
Code20242025
Remuneration, social security and pensions62€19k€20k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€63k€52k▼
Operating profit (loss)9901€26k€13k▼
Financial income75/76B€36€33▼
Recurring financial income75€36€33▼
Financial charges65/66B€15k€404▼
Recurring financial charges65€15k€404▼
Profit (loss) for the period before taxes9903€12k€13k▲
Transfer from deferred taxes780€20€20=
Income taxes67/77€4k€4k▲
Profit (loss) for the period9904€8k€9k▲
Profit (loss) for the period to be appropriated9905€8k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€9k▲
Transfer to equity691/2€8k€9k▲
To other reserves6921€8k€9k▲
Social balance
Average headcount (FTE)90870.50.5=
The notes to these accounts (7 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 27 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €79k ▲76.8%
Operating result €127k, net result €79k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.92
Current ratio from 1.55 to 3.92; short-term debt falls from €503k to €177k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €2k ▼72.8%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Houthulst · 1 establishment unit since 1995
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.
Iepersteenweg 418650 HouthulstGround area
1,828 m²
Building footprint
829 m²
Volume, LiDAR
4,220 m³
Parcel 32015B0819/00M000, Flanders · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Iepersteenweg 41, 8650 Houthulst
since 19952.073.176.248
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32015B0819/00M000 | Flanders | 1,828 m² | 1 · 829 m² | 6.3 m · 2 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
COLLART MEN-CAR
BE 0870.728.319
Mons · Eq €368k
Unique Official
BE 0794.336.859
Duffel · Eq €370k
PAGNOTTA
BE 0478.020.948
Maasmechelen · Eq €372k
IMMO TRADE INVEST
BE 0478.381.630
Steenokkerzeel · Eq €365k
L.J. DEPANNAGE
BE 0474.119.568
Nivelles · Eq €364k
Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 700 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded08-09-1995
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
50101
30300Manufacture of other transport equipment
30310Manufacture of other transport equipment
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47300Retail sale of automotive fuel
47639Retail sale of other sporting goods
47640Retail trade
50103
52482
85532Education
92613
93110Operation of sports facilities
93129Activities of other sports clubs
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.