Group Ela is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.44M and a net result of €394k. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 63% of 5521 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 03-07-2026, 28 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
28 d early
2024
17 d early
2023
7 d early
2022
13 d early
2021
20 d early
2020
19 d early
2019
25 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.44M▼ 12.5%
2024 · €1.64M
2018: €179k
2019: €356k
2020: €585k
2021: €915k
2022: €1.23M
2023: €1.36M
2024: €1.64M
2018 → 2025
Net result
€394k▼ 17.7%
2024 · €479k
2018: €105k
2019: €177k
2020: €229k
2021: €480k
2022: €408k
2023: €335k
2024: €479k
2018 → 2025
Total assets
€2.19M▲ 0.2%
2024 · €2.19M
2018: €272k
2019: €593k
2020: €879k
2021: €1.45M
2022: €1.76M
2023: €1.89M
2024: €2.19M
2018 → 2025
Solvency
65.6%▼ 9.6pp
2024 · 75.1%
2018: 66.1%
2019: 60.0%
2020: 66.6%
2021: 63.0%
2022: 69.8%
2023: 72.3%
2024: 75.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€915k-€1.23M▲ 34.3%€1.36M▲ 11.0%€1.64M▲ 20.5%€1.44M▼ 12.5%
Operating result€703k-€601k▼ 14.5%€513k▼ 14.6%€701k▲ 36.6%€611k▼ 12.8%
Net result€480k-€408k▼ 15.1%€335k▼ 17.8%€479k▲ 43.0%€394k▼ 17.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.19M
Fixed assets
€267k▼ 14.3%
Current assets
€1.93M▲ 2.6%
Equity and liabilities €2.19M
Equity
€1.44M▼ 12.5%
Debt
€755k▲ 38.7%
The debt ratio rises from 24.9% to 34.4%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
65.6%▼
2024 · 75.1%
ROE
27.4%▼
2024 · 29.2%
ROA
18.0%▼
2024 · 21.9%
Debt
€755k▲
2024 · €544k
Debt ≤ 1 year
€668k▲
2024 · €405k
Debt > 1 year
€87k▼
2024 · €139k
Income taxes
€128k▼
2024 · €159k
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€2.19M€2.19M▲
Fixed assets21/28€312k€267k▼
Tangible fixed assets22/27€303k€258k▼
Land and buildings22€177k€170k▼
Furniture and vehicles24€125k€87k▼
Leasing and similar rights25€985€921▼
Financial fixed assets28€9k€9k=
Current assets29/58€1.88M€1.93M▲
Stocks and contracts in progress3-€195k
Stocks30/36-€195k
Amounts receivable within one year40/41€1.81M€1.58M▼
Trade receivables40€1.02M€1.07M▲
Other amounts receivable41€790k€509k▼
Current investments50/53€17k€17k=
Cash at bank and in hand54/58€47k€129k▲
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€2.19M€2.19M▲
Equity10/15€1.64M€1.44M▼
Contributions10/11€19k€19k=
Reserves13€1.62M€1.42M▼
Distributable reserves133€1.62M€1.42M▼
Profit (loss) carried forward14-€0
Amounts payable17/49€544k€755k▲
Amounts payable after more than one year17€139k€87k▼
Financial debts170/4€139k€87k▼
Amounts payable within one year42/48€405k€668k▲
Current portion of amounts payable after more than one year42€52k€52k▲
Financial debts43€110k€75k▼
Other loans439€110k€75k▼
Trade debts44€53k€18k▼
Suppliers440/4€53k€18k▼
Taxes, remuneration and social security45€110k€138k▲
Taxes450/3€110k€138k▲
Other amounts payable47/48€80k€385k▲
Income statement
Code20242025
Non-recurring operating income76A€10k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€45k=
Other operating charges640/8€3k€5k▲
Gross operating margin9900€749k€661k▼
Operating profit (loss)9901€701k€611k▼
Financial income75/76B€901€159▼
Recurring financial income75€901€159▼
Financial charges65/66B€64k€88k▲
Recurring financial charges65€64k€88k▲
Profit (loss) for the period before taxes9903€638k€523k▼
Income taxes67/77€159k€128k▼
Profit (loss) for the period9904€479k€394k▼
Profit (loss) for the period to be appropriated9905€479k€394k▼
Appropriation of the result
Profit (loss) to be appropriated9906€479k€394k▼
Transfer from equity791/2-€206k
Transfer to equity691/2€279k€0▼
To other reserves6921€279k€0▼
Profit to be distributed694/7€200k€600k▲
Return on contributions (dividend)694€200k€600k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (14 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €1MEq €1.23M ▲34.3%
5 profitable years in a row build equity to €1.23M.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €480k ▲110%
Operating result €703k, net result €480k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 4.51
Current ratio from 2.08 to 4.51; short-term debt falls from €189k to €145k.
31-12
Financial
Equity above €500kEq €585k ▲64.3%
3 profitable years in a row build equity to €585k.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €356k ▲98.4%
2 profitable years in a row build equity to €356k.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Ham · 1 establishment unit since 2016
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.
Schipperstraat 53945 HamGround area
1.2 ha
Building footprint
2,841 m²
Volume, LiDAR
14,121 m³
Parcel 71033B0348/00W007, Flanders · tallest building 10.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Group Ela
since 20162.259.133.463
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71033B0348/00W007 | Flanders | 1.2 ha | 1 · 2,841 m² | 10.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900650EZC63BVTI86
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 11,868 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.