EUROTER
ActiveEUROTER has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €121k and a net result of €-7k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▼-61
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 65.53 against 30.02 in 2024; short-term debt: 1.5% and cash: 3.3% of total assets), and 1.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-05-2026, 28 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
28 d late
2024
16 d late
2023
29 d late
2022
3 d late
2021
23 d late
2020
28 d late
2019
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€121k▼ 5.3%
2024 · €128k
2018: €38k
2019: €60k
2020: €54k
2021: €34k
2022: €83k
2023: €103k
2024: €128k
2018 → 2025
Total assets
€123k▼ 7.0%
2024 · €133k
2018: €418k
2019: €340k
2020: €221k
2021: €134k
2022: €110k
2023: €108k
2024: €133k
2018 → 2025
Net result
€-7k
2024 · €25k
2018: €-121k
2019: €9k
2020: €-1k
2021: €-12k
2022: €49k
2023: €20k
2024: €25k
2018 → 2025
Working capital
€121k▼ 5.3%
2024 · €128k
2018: €-58k
2019: €-12k
2020: €75k
2021: €54k
2022: €83k
2023: €103k
2024: €128k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€83k▲ 146%€103k▲ 24.4%€128k▲ 24.4%€121k▼ 5.3%
Operating result€-20k-€51k€22k▼ 56.6%€28k▲ 27.6%€-6k
Net result€-12k-€49k€20k▼ 58.8%€25k▲ 24.2%€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €28k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €123k
Equity
€121k▼ 5.3%
Debt
€2k▼ 57.4%
The debt ratio falls from 3.3% to 1.5%. Equity and debt are lower.
Key figures and ratios
Solvency
98.5%▲
2024 · 96.7%
Current ratio
65.53▲
2024 · 30.02
Quick ratio
65.53▲
2024 · 30.02
Debt / equity
0.02▼
2024 · 0.03
ROE
-5.6%▼
2024 · 19.6%
ROA
-5.5%▼
2024 · 19.0%
Debt
€2k▼
2024 · €4k
Debt ≤ 1 year
€2k▼
2024 · €4k
Income taxes
€0▼
2024 · €3k
Staff costs
€402▼
2024 · €1k
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€133k€123k▼
Current assets29/58€133k€123k▼
Amounts receivable within one year40/41€129k€119k▼
Trade receivables40€6k€2k▼
Other amounts receivable41€123k€117k▼
Cash at bank and in hand54/58€4k€4k▲
Deferred charges and accrued income490/1-€432
Equity and liabilities
Total equity and liabilities10/49€133k€123k▼
Equity10/15€128k€121k▼
Contributions10/11€19k€19k=
Reserves13€110k€103k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€108k€101k▼
Amounts payable17/49€4k€2k▼
Amounts payable within one year42/48€4k€2k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Other amounts payable47/48-€525
Income statement
Code20242025
Remuneration, social security and pensions62€1k€402▼
Other operating charges640/8€4k€545▼
Gross operating margin9900€33k€-5k▼
Operating profit (loss)9901€28k€-6k▼
Financial charges65/66B€420€550▲
Recurring financial charges65€420€550▲
Profit (loss) for the period before taxes9903€28k€-7k▼
Income taxes67/77€3k€0▼
Profit (loss) for the period9904€25k€-7k▼
Profit (loss) for the period to be appropriated9905€25k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€-7k▼
Transfer from equity791/2-€7k
Transfer to equity691/2€25k-
To other reserves6921€25k-
The notes to these accounts (3 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-09
Financial
Liquidity doublescurrent ratio 65.53
Current ratio from 30.02 to 65.53; short-term debt falls from €4k to €2k.
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 16 days late
2024
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-09
Financial
Liquidity times 6current ratio 23.56
Current ratio from 4.11 to 23.56; short-term debt falls from €27k to €5k.
30-09
Financial
Equity above €100kEq €103k ▲24.4%
2 profitable years in a row build equity to €103k.
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
30-09
Financial
Back to profitnet €49k
Net result €49k after 2 loss-making years.
30-09
Financial
Liquidity doublescurrent ratio 4.11
Current ratio from 1.68 to 4.11; short-term debt falls from €80k to €27k.
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
30-09
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 2 days late
2017
09-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Courcelles · 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.
Rue du Moulin(GY) 486181 CourcellesGround area
273 m²
Building footprint
171 m²
Volume, LiDAR
1,544 m³
Parcel 52031B0153/00R000, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
EUROTER
since 20072.166.726.711
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52031B0153/00R000 | Wallonia | 273 m² | 1 · 171 m² | 11.4 m · 3 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
BUZ CONSTRUCT
BE 0541.683.533
Schaarbeek · Eq €121k
Arceblo
BE 0711.897.153
Gent · Eq €122k
BSX IDEAL RENOVE
BE 0879.535.226
Wavre · Eq €121k
DCR
BE 0799.617.322
Evergem · Eq €122k
MATTHIAS PIETERS
BE 0741.631.811
Pajottegem · Eq €122k
Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,651 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2007
Fiscal year end30-09
Activities, NACEBEL
43120Site preparation
45112
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.
Contact details
1 entryPhone:071342553