European Property Association
ActiveEuropean Property Association has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.48M and a net result of €114k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 9195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▲+8
Solvency96▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €400k at 30 days acceptable
Liquidity short (current ratio 0.37 against 0.42 in 2024; short-term debt: 27.6% and cash: 6.1% of total assets), and 28.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
71.2%
Return on assets
1.5%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
40 d early
2024
20 d early
2023
1 d early
2022
5 d early
2021
15 d late
2020
15 d late
2019
16 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€5.48M▲ 2.1%
2024 · €5.37M
2019: €4.12M
2020: €5.08M
2021: €5.03M
2022: €4.98M
2023: €5.21M
2024: €5.37M
2019 → 2025
Total assets
€7.71M▼ 2.0%
2024 · €7.86M
2019: €7.86M
2020: €8.05M
2021: €7.97M
2022: €7.78M
2023: €7.86M
2024: €7.86M
2019 → 2025
Net result
€114k▼ 28.5%
2024 · €159k
2019: €247k
2020: €962k
2021: €-53k
2022: €-49k
2023: €230k
2024: €159k
2019 → 2025
Working capital
€-1.34M▼ 2.4%
2024 · €-1.31M
2019: €-2.88M
2020: €-1.82M
2021: €-1.82M
2022: €-1.93M
2023: €-1.63M
2024: €-1.31M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.03M-€4.98M▼ 1.0%€5.21M▲ 4.6%€5.37M▲ 3.0%€5.48M▲ 2.1%
Operating result€35k-€40k▲ 13.6%€18k▼ 56.1%€214k▲ 1,110%€-24k
Net result€-53k-€-49k▲ 7.9%€230k€159k▼ 31.0%€114k▼ 28.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €24k after €214k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.71M
Fixed assets
€6.93M▲ 0.2%
Current assets
€780k▼ 17.9%
Equity and liabilities €7.71M
Equity
€5.48M▲ 2.1%
Debt
€2.22M▼ 10.8%
The debt ratio falls from 31.7% to 28.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-23k▼
2024 · €214k
Cash flow
€115k▼
2024 · €159k
Solvency
71.2%▲
2024 · 68.3%
Current ratio
0.37▼
2024 · 0.42
Quick ratio
0.37▼
2024 · 0.42
Debt / equity
0.41▼
2024 · 0.46
ROE
2.1%▼
2024 · 3.0%
ROA
1.5%▼
2024 · 2.0%
Interest coverage
0.17▼
2024 · 1.40
Debt
€2.22M▼
2024 · €2.49M
Debt ≤ 1 year
€2.12M▼
2024 · €2.26M
Income taxes
€2k▲
2024 · €2k
Staff costs
€29k▲
2024 · €25k
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€7.86M€7.71M▼
Fixed assets21/28€6.91M€6.93M▲
Tangible fixed assets22/27€419€14k▲
Furniture and vehicles24€419€14k▲
Financial fixed assets28€6.91M€6.91M=
Current assets29/58€949k€780k▼
Amounts receivable within one year40/41€554k€313k▼
Trade receivables40€554k€309k▼
Other amounts receivable41€0€4k▲
Cash at bank and in hand54/58€395k€467k▲
Equity and liabilities
Total equity and liabilities10/49€7.86M€7.71M▼
Equity10/15€5.37M€5.48M▲
Contributions10/11€1.80M€1.80M=
Capital10€1.80M€1.80M=
Issued capital100€1.80M€1.80M=
Reserves13€3.57M€3.68M▲
Non-distributable reserves130/1€330k€330k=
Legal reserve130€330k€330k=
Distributable reserves133€3.24M€3.35M▲
Amounts payable17/49€2.49M€2.22M▼
Amounts payable within one year42/48€2.26M€2.12M▼
Trade debts44€888€0▼
Suppliers440/4€888€0▼
Taxes, remuneration and social security45€53k€27k▼
Taxes450/3€35k€294▼
Remuneration and social security454/9€18k€27k▲
Other amounts payable47/48€2.21M€2.10M▼
Accrued charges and deferred income492/3€230k€98k▼
Income statement
Code20242025
Remuneration, social security and pensions62€25k€29k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€624€1k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€242k€11k▼
Operating profit (loss)9901€214k€-24k▼
Financial income75/76B€101k€9k▼
Recurring financial income75€101k€9k▼
Financial charges65/66B€154k€-131k▼
Recurring financial charges65€154k€-131k▼
Profit (loss) for the period before taxes9903€161k€116k▼
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€159k€114k▼
Profit (loss) for the period to be appropriated9905€159k€114k▼
Appropriation of the result
Profit (loss) to be appropriated9906€159k€114k▼
Transfer to equity691/2€159k€114k▼
To other reserves6921€159k€114k▼
Social balance
Average headcount (FTE)90870.50.0▼
The notes to these accounts (18 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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
11-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Back to profitnet €230k
Net result €230k after 2 loss-making years.
30-06
Financial
Equity above €5MEq €5.21M ▲4.6%
Equity rises from €4.98M to €5.21M.
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
15-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 15 days late
2021
30-06
Financial
Weakest financial yearnet €-53k ▼106%
Net result drops to €-53k, the lowest in the series; recovery starts the following year.
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 15 days late
2020
30-06
Financial
Highest result since 2019net €962k ▲290%
Operating result €268k, net result €962k, both a record.
30-06
Financial
Equity above €5MEq €5.08M ▲23.3%
2 profitable years in a row build equity to €5.08M.
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
18-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
16-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Rumst · 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.
Mechelsesteenweg 352840 RumstGround area
7,232 m²
Building footprint
1,451 m²
Volume, LiDAR
5,421 m³
Parcel 11037A0323/00_000, Flanders · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Gronden Verelst
since 20072.166.900.420
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11037A0323/00_000 | Flanders | 7,232 m² | 1 · 1,451 m² | 5.8 m · 1 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.
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Of 11,750 companies in sector 68310 we hold annual accounts for 6,908. 1,544 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-03-2006
Fiscal year end30-06
Abbreviation NL
EPA
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.