EUROSPEAK
ActiveSummary
EUROSPEAK has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €744k and a net result of €218k. Equity is shrinking by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 684 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+28
Solvency60▲+2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.42 in 2024; short-term debt: 64.2% and cash: 43.5% of total assets), and 64.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
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
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
35.3%
Return on assets
10.3%
Age of the figures
13 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 30-03-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
19 d early
2023
2 d late
2022
1 d early
2021
16 d early
2020
1 d early
2019
29 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close24-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€744k▼ 5.4%
2024 · €786k
2019: €2.02M
2020: €1.76M
2021: €1.67M
2022: €1.77M
2023: €886k
2024: €786k
2019 → 2025
Total assets
€2.11M▼ 10.9%
2024 · €2.36M
2019: €2.42M
2020: €2.33M
2021: €2.21M
2022: €2.50M
2023: €2.30M
2024: €2.36M
2019 → 2025
Net result
€218k▲ 35.7%
2024 · €160k
2019: €310k
2020: €54k
2021: €176k
2022: €150k
2023: €64k
2024: €160k
2019 → 2025
Working capital
€639k▼ 3.4%
2024 · €661k
2019: €1.79M
2020: €1.56M
2021: €1.49M
2022: €1.60M
2023: €729k
2024: €661k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.67M-€1.77M▲ 6.0%€886k▼ 49.9%€786k▼ 11.2%€744k▼ 5.4%
Operating result€178k-€283k▲ 58.8%€102k▼ 63.8%€149k▲ 45.1%€272k▲ 82.9%
Net result€176k-€150k▼ 14.6%€64k▼ 57.5%€160k▲ 151%€218k▲ 35.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 83% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.11M
Fixed assets
€114k ▼ 16.0%
Current assets
€1.99M ▼ 10.6%
Equity and liabilities €2.11M
Equity
€744k ▼ 5.4%
Debt
€1.36M ▼ 13.7%
Debt's share of the balance-sheet total falls from 66.7% to 64.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€293k▲
2024 · €171k
Cash flow
€240k▲
2024 · €183k
Current ratio
1.47▲
2024 · 1.42
Debt to equity
1.83▼
2024 · 2.01
ROE
29.3%▲
2024 · 20.4%
ROA
10.3%▲
2024 · 6.8%
Interest coverage
50.27▲
2024 · -4.50
Debt ≤ 1 year
€1.35M▼
2024 · €1.57M
Income taxes
€81k▲
2024 · €46k
Staff costs
€374k▲
2024 · €354k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.36M€2.11M▼
Fixed assets21/28€135k€114k▼
Tangible fixed assets22/27€131k€109k▼
Land and buildings22€123k€105k▼
Furniture and vehicles24€8k€4k▼
Financial fixed assets28€5k€5k▲
Current assets29/58€2.23M€1.99M▼
Amounts receivable within one year40/41€126k€141k▲
Trade receivables40€76k€93k▲
Other amounts receivable41€50k€48k▼
Current investments50/53€964k€929k▼
Cash at bank and in hand54/58€1.13M€917k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€2.36M€2.11M▼
Equity10/15€786k€744k▼
Contributions10/11€150k€150k=
Capital10€150k€150k=
Issued capital100€150k€150k=
Reserves13€630k€588k▼
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Tax-exempt reserves132€9k€9k=
Distributable reserves133€606k€564k▼
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€1.58M€1.36M▼
Amounts payable within one year42/48€1.57M€1.35M▼
Trade debts44€109k€73k▼
Suppliers440/4€109k€73k▼
Advances received on contracts in progress46€295k€259k▼
Taxes, remuneration and social security45€98k€142k▲
Taxes450/3€48k€81k▲
Remuneration and social security454/9€50k€61k▲
Other amounts payable47/48€1.06M€879k▼
Accrued charges and deferred income492/3€11k€9k▼
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€354k€374k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▼
Other operating charges640/8€11k€12k▲
Gross operating margin9900€536k€680k▲
Operating profit (loss)9901€149k€272k▲
Financial income75/76B€20k€33k▲
Recurring financial income75€20k€33k▲
Financial charges65/66B€-38k€6k▲
Recurring financial charges65€-38k€6k▲
Profit (loss) for the period before taxes9903€206k€299k▲
Income taxes67/77€46k€81k▲
Profit (loss) for the period9904€160k€218k▲
Profit (loss) for the period to be appropriated9905€160k€218k▲
Appropriation of the result
Profit (loss) to be appropriated9906€166k€224k▲
Profit (loss) brought forward from the previous period14P€6k€6k=
Transfer from equity791/2€210k€190k▼
Transfer to equity691/2€110k€148k▲
To other reserves6921€110k€148k▲
Profit to be distributed694/7€260k€260k▲
Return on contributions (dividend)694€210k€190k▼
Directors or managers695€50k€70k▲
Social balance
Average headcount (FTE)90875.96.0▲
The notes to these accounts (11 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 2 days late
2023
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
15-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
Financial
Weakest financial yearnet €54k ▼82.6%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
02-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-02
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, Elsene · 2 establishment units since 1993
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.
de Stassartstraat 491050 ElseneGround area
310 m²
Building footprint
280 m²
Volume, LiDAR
2,844 m³
2 parcels, Brussels, Flanders · tallest building 18.9 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
EUROSPEAK
since 19932.064.328.660
EUROSPEAK
since 20052.145.305.745
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44805E0865/00L003 | Flanders | 210 m² | 1 · 210 m² | 17.4 m · 2 fl. |
| 21009A0394/00K000 | Brussels | 100 m² | 1 · 70 m² | 18.9 m · 5 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 4,527 EUR awarded · 4,527 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,176 EUR | 1,176 EUR |
| 2023 | 1 | 688 EUR | 688 EUR |
| 2022 | 1 | 2,663 EUR | 2,663 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Quality registration as a provider
1 live approvalQuality registration as a provider
Similar companies · same sector, comparable size
DOKTER JAN KERSSCHOT
BE 0459.026.467
Aartselaar · Eq €745k
VOV - Lerend Netwerk
BE 0455.105.885
Antwerpen · Eq €735k
Bruxelles - Enseignement
BE 0453.101.450
Brussel · Eq €734k
BRAINSTORM
BE 0458.895.617
Gent · Eq €732k
ENGLISH ACADEMY
BE 0883.625.062
Etterbeek · Eq €724k
Of 11,671 companies in sector 85599 we hold annual accounts for 1,329. 628 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-06-1992
Fiscal year end31-08
Activities, NACEBEL 2025
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.