EUROPOCHETTE
ActiveEUROPOCHETTE has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218k and a net result of €13k. Equity is shrinking by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 8% of 47 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▼-3
Solvency32▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.84 against 0.8 in 2024; short-term debt: 60.8% and cash: 12.6% of total assets), and 93% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 17
Relative position
BE, all sectors
reference
Sector 17
higher
← 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
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
7%
Return on assets
0.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 47 sector peers (2025).
NBB · sector comparisonPosition among 47 sector peers
Solvency
better than 8%
← weakest
strongest →
lowers risk · 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 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €218k
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
66 d early
2023
58 d early
2022
32 d early
2021
33 d early
2020
4 d early
2019
1 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€218k▲ 6.4%
2024 · €205k
2018: €996k
2019: €1.17M
2020: €358k
2021: €796k
2022: €440k
2023: €172k
2024: €205k
2018 → 2025
Total assets
€3.12M▲ 46.3%
2024 · €2.13M
2018: €1.84M
2019: €1.75M
2020: €3.23M
2021: €2.29M
2022: €3.75M
2023: €3.53M
2024: €2.13M
2018 → 2025
Net result
€13k▼ 60.5%
2024 · €33k
2018: €199k
2019: €173k
2020: €189k
2021: €438k
2022: €544k
2023: €65k
2024: €33k
2018 → 2025
Working capital
€-300k▼ 5.7%
2024 · €-284k
2018: €1.18M
2019: €1.23M
2020: €495k
2021: €503k
2022: €264k
2023: €-182k
2024: €-284k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€796k-€440k▼ 44.7%€172k▼ 61.0%€205k▲ 19.2%€218k▲ 6.4%
Operating result€563k-€754k▲ 34.0%€145k▼ 80.7%€103k▼ 28.9%€74k▼ 28.6%
Net result€438k-€544k▲ 24.2%€65k▼ 88.1%€33k▼ 48.8%€13k▼ 60.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 29% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.12M
Fixed assets
€1.52M▲ 56.6%
Current assets
€1.60M▲ 37.7%
Equity and liabilities €3.12M
Equity
€218k▲ 6.4%
Debt
€2.90M▲ 50.6%
The debt ratio rises from 90.4% to 93.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€251k▼
2024 · €262k
Cash flow
€190k▼
2024 · €191k
Solvency
7.0%▼
2024 · 9.6%
Current ratio
0.84▲
2024 · 0.80
Quick ratio
0.52▲
2024 · 0.43
Debt / equity
13.33▲
2024 · 9.42
ROE
6.0%▼
2024 · 16.1%
ROA
0.4%▼
2024 · 1.5%
Interest coverage
3.36▼
2024 · 3.52
Debt
€2.90M▲
2024 · €1.93M
Debt ≤ 1 year
€1.90M▲
2024 · €1.45M
Debt > 1 year
€954k▲
2024 · €410k
Income taxes
€10k▼
2024 · €17k
Staff costs
€370k▼
2024 · €397k
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€2.13M€3.12M▲
Fixed assets21/28€972k€1.52M▲
Intangible fixed assets21-€6k
Tangible fixed assets22/27€972k€1.52M▲
Plant, machinery and equipment23€588k€1.08M▲
Furniture and vehicles24€130k€99k▼
Leasing and similar rights25€98k€72k▼
Other tangible fixed assets26€156k€120k▼
Assets under construction and advance payments27-€150k
Current assets29/58€1.16M€1.60M▲
Stocks and contracts in progress3€533k€607k▲
Stocks30/36€533k€607k▲
Amounts receivable within one year40/41€518k€571k▲
Trade receivables40€497k€544k▲
Other amounts receivable41€21k€27k▲
Current investments50/53€0-
Cash at bank and in hand54/58€93k€392k▲
Deferred charges and accrued income490/1€18k€29k▲
Equity and liabilities
Total equity and liabilities10/49€2.13M€3.12M▲
Equity10/15€205k€218k▲
Contributions10/11€150k€150k=
Capital10€150k€150k=
Issued capital100€150k€150k=
Reserves13€55k€68k▲
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Tax-exempt reserves132€6k€6k=
Distributable reserves133€33k€46k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€1.93M€2.90M▲
Amounts payable after more than one year17€410k€954k▲
Financial debts170/4€410k€954k▲
Amounts payable within one year42/48€1.45M€1.90M▲
Current portion of amounts payable after more than one year42€240k€206k▼
Financial debts43€2k€0▼
Credit institutions430/8€2k€0▼
Trade debts44€601k€1.64M▲
Suppliers440/4€601k€1.64M▲
Advances received on contracts in progress46-€7k
Taxes, remuneration and social security45€49k€38k▼
Taxes450/3€5€0▼
Remuneration and social security454/9€49k€38k▼
Other amounts payable47/48€554k€13k▼
Accrued charges and deferred income492/3€73k€50k▼
Income statement
Code20242025
Non-recurring operating income76A€7k€7k▼
Remuneration, social security and pensions62€397k€370k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€158k€177k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-3k€9k▲
Other operating charges640/8€38k€23k▼
Non-recurring operating charges66A€5k€810▼
Gross operating margin9900€699k€655k▼
Operating profit (loss)9901€103k€74k▼
Financial income75/76B€21k€24k▲
Recurring financial income75€21k€24k▲
Financial charges65/66B€74k€75k▲
Recurring financial charges65€74k€75k▲
Profit (loss) for the period before taxes9903€50k€23k▼
Income taxes67/77€17k€10k▼
Profit (loss) for the period9904€33k€13k▼
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€33k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€13k▼
Transfer from equity791/2€0-
Transfer to equity691/2€33k€13k▼
To other reserves6921€33k€13k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90875.85.7▼
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
2026
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €13k ▼60.5%
Net result drops to €13k, the lowest in the series.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €205k ▲19.2%
7 profitable years in a row build equity to €205k.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €544k ▲24.2%
Operating result €754k, net result €544k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €796k ▲123%
4 profitable years in a row build equity to €796k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €1MEq €1.17M ▲17.3%
2 profitable years in a row build equity to €1.17M.
04-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-07
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
9 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2002
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.
Hogenakkerhoekstraat 89150 Beveren-Kruibeke-ZwijndrechtGround area
6,019 m²
Building footprint
2,898 m²
Volume, LiDAR
5,627 m³
Parcel 46013A0034/00C000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Europochette
since 20022.115.494.675
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46013A0034/00C000 | Flanders | 6,019 m² | 1 · 2,898 m² | 8.7 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 74 EUR awarded · 74 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 74 EUR | 74 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
875500B4ND7I1KYWZP52
Similar companies · same sector, comparable size
HAPPY PAPER
BE 0406.946.969
Enghien · Eq €188k
EUROFILTERS
BE 0417.856.105
Pelt · Eq €256k
BAUSAC
BE 0418.192.932
Saint-Ghislain · Eq €314k
ENVELNOR EXPORT
BE 0865.232.872
Manage · Eq €134k
PATICON
BE 0844.373.023
Lebbeke · Eq €362k
Of 26 companies in sector 17220 we hold annual accounts for 17. 9 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-09-2000
Fiscal year end31-12
Activities, NACEBEL
17220Manufacture of paper and paper products
18120Other printing
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.