L'ESPERANCE
ActiveL'ESPERANCE has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €-12k. Equity is shrinking by ~13% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 33% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
22
/ 100
Critical▼ -31 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency25▼-39
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.22 against 1.5 in 2024), and 86% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 13
Relative position
BE, all sectors
reference
Sector 13
lower
← 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
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 2025Solvency, return and age of the figures
Solvency
14%
Return on assets
-21%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€12k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
29 d late
2023
13 d early
2022
21 d late
2021
22 d late
2020
30 d late
2019
65 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▼ 60.0%
2024 · €20k
2018: €45k
2019: €45k
2020: €49k
2021: €43k
2022: €48k
2023: €31k
2024: €20k
2018 → 2025
Total assets
€58k▼ 3.5%
2024 · €60k
2018: €63k
2019: €58k
2020: €93k
2021: €99k
2022: €96k
2023: €77k
2024: €60k
2018 → 2025
Net result
€-12k▼ 19.6%
2024 · €-10k
2018: €1k
2019: €281
2020: €4k
2021: €-6k
2022: €5k
2023: €-17k
2024: €-10k
2018 → 2025
Working capital
€10k▼ 46.9%
2024 · €19k
2018: €43k
2019: €38k
2020: €55k
2021: €60k
2022: €53k
2023: €32k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€48k▲ 11.8%€31k▼ 36.3%€20k▼ 33.4%€8k▼ 60.0%
Operating result€-10k-€7k€-18k€-10k▲ 43.0%€-12k▼ 17.4%
Net result€-6k-€5k€-17k€-10k▲ 41.3%€-12k▼ 19.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €10k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€2k▼ 37.9%
Current assets
€56k▼ 1.3%
Equity and liabilities €58k
Equity
€8k▼ 60.0%
Debt
€50k▲ 25.5%
The debt ratio rises from 66.2% to 86.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-11k▼
2024 · €-9k
Cash flow
€-11k▼
2024 · €-9k
Solvency
14.0%▼
2024 · 33.8%
Current ratio
1.22▼
2024 · 1.50
Quick ratio
0.85▼
2024 · 1.05
Debt / equity
6.13▲
2024 · 1.95
ROE
-150.1%▼
2024 · -50.2%
ROA
-21.0%▼
2024 · -17.0%
Interest coverage
-21.55▼
2024 · -20.06
Debt
€50k▲
2024 · €40k
Debt ≤ 1 year
€46k▲
2024 · €38k
Debt > 1 year
€4k▲
2024 · €2k
Income taxes
€223▲
2024 · €217
Staff costs
€27k▲
2024 · €25k
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€60k€58k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€2k€1,000▼
Land and buildings22-€0
Plant, machinery and equipment23-€0
Furniture and vehicles24€2k€1,000▼
Financial fixed assets28€1k€1k=
Current assets29/58€57k€56k▼
Amounts receivable after more than one year29€37k€37k▼
Other amounts receivable291€37k€37k▼
Stocks and contracts in progress3€17k€17k▼
Stocks30/36€17k€17k▼
Amounts receivable within one year40/41€851€1k▲
Trade receivables40€846€1k▲
Other amounts receivable41€5-
Cash at bank and in hand54/58€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€60k€58k▼
Equity10/15€20k€8k▼
Contributions10/11€19k€19k=
Reserves13€31k€31k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€1k€1k=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€-29k€-41k▼
Amounts payable17/49€40k€50k▲
Amounts payable after more than one year17€2k€4k▲
Financial debts170/4€2k€4k▲
Amounts payable within one year42/48€38k€46k▲
Current portion of amounts payable after more than one year42€4k€7k▲
Financial debts43-€6k
Credit institutions430/8-€6k
Trade debts44€15k€18k▲
Suppliers440/4€15k€18k▲
Taxes, remuneration and social security45€19k€14k▼
Taxes450/3€8k€7k▼
Remuneration and social security454/9€11k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€25k€27k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€18k€18k▲
Operating profit (loss)9901€-10k€-12k▼
Financial income75/76B€502€308▼
Recurring financial income75€502€308▼
Financial charges65/66B€436€487▲
Recurring financial charges65€436€487▲
Profit (loss) for the period before taxes9903€-10k€-12k▼
Income taxes67/77€217€223▲
Profit (loss) for the period9904€-10k€-12k▼
Profit (loss) for the period to be appropriated9905€-10k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-41k▼
Profit (loss) brought forward from the previous period14P€-19k€-29k▼
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-17k ▼443%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
27-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
02-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Brussel · 1 establishment unit since 1990
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.
Blaesstraat 1111000 BrusselGround area
339 m²
Building footprint
145 m²
Volume, LiDAR
2,586 m³
Parcel 21809K1243/00M000, Brussels · tallest building 21.3 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
L'ESPERANCE
since 19902.048.258.631
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21809K1243/00M000 | Brussels | 339 m² | 1 · 145 m² | 21.3 m · 7 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
GESQUIERE & VERROKEN
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CO-KOHN CONCEPT
BE 0839.369.902
Sprimont · Eq €7k
KARLEROI HERITAGE
BE 0719.783.154
Charleroi · Eq €7k
MONKO
BE 1014.185.874
Charleroi · Eq €7k
Zeil- en Vlaggenmakerij R. De Wit opvolger Buysaert
BE 0838.994.669
Antwerpen · Eq €10k
Of 595 companies in sector 13929 we hold annual accounts for 234. 58 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-03-1990
Fiscal year end31-12
Activities, NACEBEL
13929Manufacture of textiles
47551Retail sale of household furniture
47591Retail trade
52441
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.