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L'ECLUSE

Active
Private limited company (pre-2019)founded 200719 yrs activeRue Jules Escoyez(B) 37B, 7331 Saint-Ghislain, BelgiumKBO/BCE: BE 0891.607.271
Summary

The annual accounts of L'ECLUSE for fiscal year 2025 show a net loss of 101% of total assets and of 50% of the equity at the start of that year. The 2025 annual accounts show equity of €27,941 and a net result of -€28,097. Equity remains stable across the filed fiscal years (±2.4% per year). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).

Overview

What they do
Activity not known1 site
How big
€27,941total assets 2025
Equity
€27,941
Loss
-€28,097
Turnover not published (abridged schema)
Financially healthy?
44 Weak Checked score 2025
Bankruptcy chance 12 m
1.3%
Who decides
Accounts filed 63 d late0 of 1 deed read
Why 44- No NACE activity registered- Annual accounts: weaker financial profile- Higher-failure-rate region+ Long track recordFiled after the deadlineShow the evidence

Checked score

Score 2025
Axes · tick = 2024
Profitability0▼-43
Solvency100=
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
cash: 0.1% of total assets, and 0% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
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
highest failure risk from 2 to 8 years 19 years 0 20 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
100%
Return on assets
-100.6%
Age of the figures
12 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-07-2026, 63 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 filings
Deviation from the deadline
2025
63 d late
2024
61 d late
2023
on the day
2022
65 d late
2021
25 d late
2020
31 d late
2019
31 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 39 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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. Usually files around 30 June (4 of the last 5 filed years within 36 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close01-10-2026 today30-04-2027 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet -€28,097
  3. Annual accounts filedfiscal year 2024 · micro…

Financials

Fiscal year 2025Total assets €27,941Loss -€28,097Solvency 100.0%
Total assets
€27,941▼ 50.1%
2019 - 2025
Net result
-€28,097
2019 - 2025
Equity
€27,941▼ 50.1%
2019 - 2025
Solvency
100.0%=
2019 - 2025

Financials · fiscal year 2025, micro schema

Trend over the years7 fiscal years
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€638▲ 47.1%-€57▲ 91.1%-€591▼ 937%-€63▲ 89.3%-€28,050▼ 44,424%
Net result€1,669▲ 186%€1,449▼ 13.2%€1,159▼ 20.0%€1,333▲ 15.0%-€28,097
Equity€52,097▲ 3.3%€53,546▲ 2.8%€54,705▲ 2.2%€56,038▲ 2.4%€27,941▼ 50.1%
Total assets€52,097▲ 0.3%€53,546▲ 2.8%€54,705▲ 2.2%€56,038▲ 2.4%€27,941▼ 50.1%
Debt
Working capital
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year2025
Result per fiscal year
Operating resultNet result
-€30,000-€20,000-€10,000€0Operating result 2021: -€638-€638Net result 2021: €1,669€1,669Operating result 2022: -€57-€57Net result 2022: €1,449€1,449Operating result 2023: -€591-€591Net result 2023: €1,159€1,159Operating result 2024: -€63-€63Net result 2024: €1,333€1,333Operating result 2025: -€28,050-€28,050Net result 2025: -€28,097-€28,09720212022202320242025-€30,000-€20,000-€10,000€0Operating result 2023: -€591-€591Net result 2023: €1,159€1,160Operating result 2024: -€63-€63Net result 2024: €1,333€1,330Operating result 2025: -€28,050-€28,000Net result 2025: -€28,097-€28,100202320242025
The operating result stays negative: a loss of €28,050 in 2025 against €63 in 2024; the loss grows and 2025 has the lowest result in the available series.
Key figures and ratios2025
Key figures and ratios
2025 value · change against 2024
Solvency
100.0%=
2024 · 100.0%
ROE
-100.6%▼
2024 · 2.4%
ROA
-100.6%▼
2024 · 2.4%
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 4,805 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 88% are still going.

  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
2.0% went bankrupt
9.8% stopped otherwise
88% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.3% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 4,805 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Filed annual accountsfiscal year 2025
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 24 lines
Balance sheet Code20242025
Assets
Total assets20/58€56,038€27,941▼
Current assets29/58€56,038€27,941▼
Amounts receivable within one year40/41€27,970€27,906▼
Other amounts receivable41€27,970€27,906▼
Cash at bank and in hand54/58€28,068€35▼
Equity and liabilities
Total equity and liabilities10/49€56,038€27,941▼
Equity10/15€56,038€27,941▼
Contributions10/11€6,200€6,200=
Reserves13€1,860€1,860=
Non-distributable reserves130/1€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860=
Profit (loss) carried forward14€47,978€19,881▼
Income statement Code20242025
Other operating charges640/8-€28,050
Gross operating margin9900-€63-
Operating profit (loss)9901-€63-€28,050▼
Financial income75/76B€1,443-
Recurring financial income75€1,443-
Financial charges65/66B€47€47▼
Recurring financial charges65€47€47▼
Profit (loss) for the period before taxes9903€1,333-€28,097▼
Profit (loss) for the period9904€1,333-€28,097▼
Profit (loss) for the period to be appropriated9905€1,333-€28,097▼
Appropriation of the result
Profit (loss) to be appropriated9906€47,978€19,881▼
Profit (loss) brought forward from the previous period14P€46,645€47,978▲

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Other operating charges640/8----€28,050-
Gross operating margin9900-€638-€57-€591-€63--
Operating profit (loss)9901-€638-€57-€591-€63-€28,050▼ 44,424%
Financial income75/76B€2,325€1,554€1,797€1,443--
Recurring financial income75€2,325€1,554€1,797€1,443--
Financial charges65/66B€18€48€47€47€47▼ 0.7%
Recurring financial charges65€18€48€47€47€47▼ 0.7%
Profit (loss) for the period before taxes9903€1,669€1,449€1,159€1,333-€28,097▼ 2,208%
Profit (loss) for the period9904€1,669€1,449€1,159€1,333-€28,097▼ 2,208%
Profit (loss) for the period to be appropriated9905€1,669€1,449€1,159€1,333-€28,097▼ 2,208%
Line20212022202320242025Change
Assets
Total assets20/58€52,097€53,546€54,705€56,038€27,941▼ 50.1%
Current assets29/58€52,097€53,546€54,705€56,038€27,941▼ 50.1%
Amounts receivable within one year40/41€24,038€25,495€26,631€27,970€27,906▼ 0.2%
Other amounts receivable41€24,038€25,495€26,631€27,970€27,906▼ 0.2%
Cash at bank and in hand54/58€28,059€28,051€28,074€28,068€35▼ 99.9%
Equity and liabilities
Total equity and liabilities10/49€52,097€53,546€54,705€56,038€27,941▼ 50.1%
Equity10/15€52,097€53,546€54,705€56,038€27,941▼ 50.1%
Contributions10/11€6,200€6,200€6,200€6,200€6,200=
Reserves13€1,860€1,860€1,860€1,860€1,860=
Non-distributable reserves130/1€1,860€1,860€1,860€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860€1,860€1,860€1,860=
Profit (loss) carried forward14€44,037€45,486€46,645€47,978€19,881▼ 58.6%
Line20212022202320242025Change
Profit (loss) for the period9904€1,669€1,449€1,159€1,333-€28,097▼ 2,208%
Operating cash flow (approximation)€1,669€1,449€1,159€1,333-€28,097▼ 2,208%
Change in cash--€8€23-€6-€28,033▼ 467,118%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline

12 eventsLatest 02-07-2026Next filing 30-04-2027

History

L'ECLUSE was incorporated on 24 August 2007.1 Total assets fell from €50,303 in 2019 to €27,941 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

Acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
02-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 63 days late
2025
30-09
Financial Weakest financial yearnet -€28,097
Net result drops to -€28,097, the lowest in the series.
30-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-04
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
25-05
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
30-09
Financial Highest result since 2019net €1,669 ▲186%
Net result €1,669, the highest in the series.
31-05
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-05
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
22-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 114 days late
2018
29-05
NBB filing Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
29-05
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Company details

Private limited company (pre-2019) · founded 24-08-2007Year ends 30-09Peppol not found1 site

Register details

Identification
Legal formPrivate limited company (pre-2019)
Founded24-08-2007
Fiscal year end30-09
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Sites & property

Location & real-estate footprint
Registered office, Saint-Ghislain · 1 establishment unit since 2007
seat establishment The establishment unit on the map
Ground area
3,397 m²
Building footprint
198 m²
Volume, LiDAR
1,384 m³
2 parcels, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
L'Ecluse
Quai Nord 49, 7000 MonsNACE 55302
since 2007unit no. 2.166.123.727
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53009B0119/00L008 Wallonia 3,063 m² 1 · 169 m² 8.4 m · 2 fl.
53402A0223/00N003 Wallonia 334 m² 1 · 29 m² 11.7 m · 3 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

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