Florian Ernotte
ActiveFlorian Ernotte has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €79k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 33% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+5
Solvency62▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.69 against 0.41 in 2024; short-term debt: 38.8% and cash: 17.1% of total assets), and 63.1% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
36.9%
Return on assets
23.1%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 26-03-2026, 127 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
127 d early
2024
64 d early
2023
on the day
2022
22 d late
2021
24 d late
2020
4 d late
2019
19 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€126k▲ 3.2%
2024 · €122k
2019: €51k
2020: €127k
2021: €166k
2022: €194k
2023: €140k
2024: €122k
2019 → 2025
Total assets
€341k▲ 14.8%
2024 · €298k
2019: €65k
2020: €336k
2021: €355k
2022: €350k
2023: €337k
2024: €298k
2019 → 2025
Net result
€79k▲ 38.5%
2024 · €57k
2019: €39k
2020: €76k
2021: €39k
2022: €23k
2023: €21k
2024: €57k
2019 → 2025
Working capital
€-41k▲ 37.4%
2024 · €-65k
2019: €47k
2020: €25k
2021: €35k
2022: €33k
2023: €-47k
2024: €-65k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€166k-€194k▲ 17.3%€140k▼ 27.9%€122k▼ 12.9%€126k▲ 3.2%
Operating result€51k-€34k▼ 33.6%€37k▲ 10.4%€83k▲ 121%€112k▲ 36.2%
Net result€39k-€23k▼ 41.6%€21k▼ 7.6%€57k▲ 174%€79k▲ 38.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 36% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €341k
Fixed assets
€250k▼ 0.7%
Current assets
€92k▲ 99.7%
Equity and liabilities €341k
Equity
€126k▲ 3.2%
Debt
€216k▲ 22.8%
The debt ratio rises from 59.0% to 63.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€116k▲
2024 · €86k
Cash flow
€82k▲
2024 · €61k
Solvency
36.9%▼
2024 · 41.0%
Current ratio
0.69▲
2024 · 0.41
Quick ratio
0.69▲
2024 · 0.41
Debt / equity
1.71▲
2024 · 1.44
ROE
62.6%▲
2024 · 46.7%
ROA
23.1%▲
2024 · 19.2%
Interest coverage
26.41▼
2024 · 36.59
Debt
€216k▲
2024 · €175k
Debt ≤ 1 year
€133k▲
2024 · €111k
Debt > 1 year
€83k▲
2024 · €63k
Income taxes
€29k▲
2024 · €23k
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€298k€341k▲
Fixed assets21/28€252k€250k▼
Tangible fixed assets22/27€7k€5k▼
Furniture and vehicles24€7k€5k▼
Financial fixed assets28€245k€245k=
Current assets29/58€46k€92k▲
Amounts receivable within one year40/41€31k€29k▼
Trade receivables40€31k€29k▼
Cash at bank and in hand54/58€15k€58k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€298k€341k▲
Equity10/15€122k€126k▲
Contributions10/11€19k€19k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€102k€106k▲
Amounts payable17/49€175k€216k▲
Amounts payable after more than one year17€63k€83k▲
Financial debts170/4€39k€10k▼
Other amounts payable178/9€24k€73k▲
Amounts payable within one year42/48€111k€133k▲
Current portion of amounts payable after more than one year42€29k€29k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€5k€22k▲
Taxes450/3€5k€22k▲
Remuneration and social security454/9€360-
Other amounts payable47/48€75k€77k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€1k€884▼
Non-recurring operating charges66A€74-
Gross operating margin9900€88k€117k▲
Operating profit (loss)9901€83k€112k▲
Financial income75/76B€30€5▼
Recurring financial income75€30€5▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Non-recurring financial charges66B-€48
Profit (loss) for the period before taxes9903€80k€108k▲
Income taxes67/77€23k€29k▲
Profit (loss) for the period9904€57k€79k▲
Profit (loss) for the period to be appropriated9905€57k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€177k€181k▲
Profit (loss) brought forward from the previous period14P€120k€102k▼
Profit to be distributed694/7€75k€75k=
Return on contributions (dividend)694€75k€75k=
The notes to these accounts (7 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €79k ▲38.5%
Operating result €112k, net result €79k, both a record.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €21k ▼7.6%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Equity above €150kEq €166k ▲30.3%
3 profitable years in a row build equity to €166k.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-12
Financial
Equity above €100kEq €127k ▲147%
2 profitable years in a row build equity to €127k.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Liège
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.
Jonruelle 294000 LiègeGround area
221 m²
Building footprint
70 m²
Volume, LiDAR
920 m³
Parcel 62810B0899/00F000, Wallonia · tallest building 14.6 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62810B0899/00F000 | Wallonia | 221 m² | 1 · 70 m² | 14.6 m · 5 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 22,054 companies in sector 69101 we hold annual accounts for 9,053. 7,545 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-02-2018
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.