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EX & TRIC

Active
Private limited companyfounded 200620 yrs activeSpoorwegstraat(S) 1, 8554 Zwevegem, BelgiumKBO/BCE: BE 0879.699.334

EX & TRIC has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €253k and a net result of €30k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 23% of 7912 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Checked score

Score 2025
56 / 100
Fair▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+34
Solvency20▲+6
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.85 against 0.66 in 2024), and 82.2% 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 riskneutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 20 years 0 30 y
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
17.8%
Return on assets
2.1%
Age of the figures
14 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 7912 sector peers (2025).
NBB · sector comparison
Position among 7912 sector peers
Solvency
better than 23%
← weakest strongest →
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 13-01-2026, 18 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
18 d early
2024
11 d early
2023
13 d early
2022
43 d early
2021
42 d early
2020
40 d early
2019
10 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 months
Position in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity
€253k▲ 13.5%
2024 · €223k
2019: €128k 2020: €218k 2021: €266k 2022: €259k 2023: €247k 2024: €223k
2019 → 2025
Total assets
€1.43M▲ 4.8%
2024 · €1.36M
2019: €247k 2020: €407k 2021: €1.11M 2022: €1.35M 2023: €1.32M 2024: €1.36M
2019 → 2025
Net result
€30k▲ 171%
2024 · €11k
2019: €35k 2020: €91k 2021: €48k 2022: €16k 2023: €22k 2024: €11k
2019 → 2025
Working capital
€-63k▲ 61.5%
2024 · €-163k
2019: €104k 2020: €169k 2021: €155k 2022: €178k 2023: €47k 2024: €-163k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€266k-€259k▼ 2.9%€247k▼ 4.4%€223k▼ 9.9%€253k▲ 13.5%
Operating result€74k-€34k▼ 53.9%€43k▲ 27.0%€54k▲ 25.6%€86k▲ 57.6%
Net result€48k-€16k▼ 66.5%€22k▲ 36.1%€11k▼ 49.3%€30k▲ 171%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€25k€50k€75kOperating result 2021: €74k€74kNet result 2021: €48k€48kOperating result 2022: €34k€34kNet result 2022: €16k€16kOperating result 2023: €43k€43kNet result 2023: €22k€22kOperating result 2024: €54k€54kNet result 2024: €11k€11kOperating result 2025: €86k€86kNet result 2025: €30k€30k20212022202320242025
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 58% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.43M
Fixed assets €1.08M▲ 3.0%
Current assets €345k▲ 10.8%
Equity and liabilities €1.43M
Equity €253k▲ 13.5%
Debt €1.17M▲ 3.1%
The debt ratio falls from 83.6% to 82.2%: equity grows faster than debt.
Key figures and ratios
2025 value · change against 2024
EBITDA
€166k
2024 · €132k
Cash flow
€110k
2024 · €89k
Solvency
17.8%
2024 · 16.4%
Current ratio
0.85
2024 · 0.66
Quick ratio
0.85
2024 · 0.66
Debt / equity
4.63
2024 · 5.10
ROE
11.9%
2024 · 5.0%
ROA
2.1%
2024 · 0.8%
Interest coverage
4.64
2024 · 4.06
Debt
€1.17M
2024 · €1.14M
Debt ≤ 1 year
€407k
2024 · €474k
Debt > 1 year
€766k
2024 · €664k
Income taxes
€20k
2024 · €11k
Staff costs
€317k
2024 · €274k
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€1.36M€1.43M
Fixed assets21/28€1.05M€1.08M
Tangible fixed assets22/27€1.05M€1.08M
Land and buildings22€998k€1.06M
Plant, machinery and equipment23€2k€2k
Furniture and vehicles24€50k€19k
Current assets29/58€311k€345k
Amounts receivable within one year40/41€242k€245k
Trade receivables40€200k€235k
Other amounts receivable41€42k€10k
Cash at bank and in hand54/58€63k€92k
Deferred charges and accrued income490/1€6k€8k
Equity and liabilities
Total equity and liabilities10/49€1.36M€1.43M
Equity10/15€223k€253k
Contributions10/11€12k€12k=
Reserves13€211k€241k
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€33€33=
Distributable reserves133€211k€241k
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.14M€1.17M
Amounts payable after more than one year17€664k€766k
Financial debts170/4€664k€766k
Amounts payable within one year42/48€474k€407k
Current portion of amounts payable after more than one year42€40k€74k
Financial debts43€12k€0
Credit institutions430/8€12k€0
Trade debts44€237k€183k
Suppliers440/4€237k€183k
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€67k€93k
Taxes450/3€29k€63k
Remuneration and social security454/9€38k€30k
Other amounts payable47/48€117k€57k
Income statement Code20242025
Non-recurring operating income76A-€14k
Remuneration, social security and pensions62€274k€317k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€80k
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€538€-2k
Other operating charges640/8€12k€11k
Non-recurring operating charges66A€10k€9k
Gross operating margin9900€429k€502k
Operating profit (loss)9901€54k€86k
Financial income75/76B€662€44
Recurring financial income75€662€44
Financial charges65/66B€33k€36k
Recurring financial charges65€33k€36k
Profit (loss) for the period before taxes9903€23k€50k
Income taxes67/77€11k€20k
Profit (loss) for the period9904€11k€30k
Profit (loss) for the period to be appropriated9905€11k€30k
Appropriation of the result
Profit (loss) to be appropriated9906€11k€30k
Transfer from equity791/2€35k€0
Transfer to equity691/2€11k€30k
To other reserves6921€11k€30k
Profit to be distributed694/7€35k€0
Return on contributions (dividend)694€35k€0
Social balance
Average headcount (FTE)90873.83.8=

The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2026
13-01
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
20-01
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial Weakest financial yearnet €11k ▼49.3%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
18-01
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
19-12
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
20-12
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2020
22-12
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial Highest result since 2019net €91k ▲156%
Operating result €133k, net result €91k, both a record.
30-06
Financial Equity above €200kEq €218k ▲71.1%
2 profitable years in a row build equity to €218k.
21-01
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
22-01
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2016
22-12
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
2 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, Zwevegem · 1 establishment unit since 2006
establishment The establishment unit on the map
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.

Spoorwegstraat(S) 18554 Zwevegem
Ground area
2,217 m²
Building footprint
700 m²
Volume, LiDAR
3,203 m³
Parcel 34034C1001/00M002, Flanders · tallest building 9.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
EX & TRIC
Spoorwegstraat(S) 1, 8554 ZwevegemNACE 5115001
since 20062.152.540.064
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
34034C1001/00M002 Flanders 2,217 m² 1 · 700 m² 9.2 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 to 2025 · 2 entries · 1,261 EUR awarded · 1,261 EUR paid
Year Entries awardedpaid
2025 1 446 EUR446 EUR
2024 1 815 EUR815 EUR
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
2 entries · 1,261 EUR · 1,261 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 1,224 companies in sector 46851 we hold annual accounts for 514. 301 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded02-03-2006
Fiscal year end30-06
Activities, NACEBEL
46851Wholesale of industrial chemicals
46150Agents in the wholesale of furniture, household goods and hardware
46190Agents in non-specialised wholesale trade
47551Retail sale of household furniture
47591Retail trade
51150
51550
52441
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.