L'Essor
ActiveL'Essor has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €767k and a net result of €29k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 66% of 424 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-77
Solvency99▲+1
Growth62=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 1.95 against 1.9 in 2024), and 31.6% 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 85
Relative position
BE, all sectors
reference
Sector 85
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
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
68.4%
Return on assets
2.6%
Age of the figures
8 mo
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
14 d early
2023
13 d early
2022
17 d early
2021
9 d early
2020
16 d early
2019
1 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€455k▲ 7.9%
2023 · €422k
2018: €488k
2019: €396k
2020: €387k
2021: €352k
2022: €380k
2023: €422k
2018 → 2024
EBIT margin
24.3%▲ 9.9pp
2023 · 14.5%
2018: -0.5%
2019: -8.9%
2020: 7.6%
2021: 8.2%
2022: 4.7%
2023: 14.5%
2018 → 2024
Net result
€29k▼ 78.2%
2024 · €132k
2018: €-5k
2019: €-36k
2020: €44k
2021: €28k
2022: €19k
2023: €68k
2024: €132k
2018 → 2025
Working capital
€262k▲ 17.7%
2024 · €223k
2018: €92k
2019: €48k
2020: €126k
2021: €115k
2022: €123k
2023: €179k
2024: €223k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€352k-€380k▲ 7.9%€422k▲ 11.0%€455k▲ 7.9%
Equity€480k-€502k▲ 4.6%€629k▲ 25.1%€756k▲ 20.3%€767k▲ 1.5%
Operating result€29k-€18k▼ 38.4%€61k▲ 245%€111k▲ 81.6%€13k▼ 88.6%
Net result€28k-€19k▼ 33.8%€68k▲ 264%€132k▲ 93.5%€29k▼ 78.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 89% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.12M
Fixed assets
€583k▼ 8.2%
Current assets
€539k▲ 14.4%
Equity and liabilities €1.12M
Equity
€767k▲ 1.5%
Provisions
€0▼ 100%
Debt
€355k▲ 5.6%
The debt ratio rises from 30.4% to 31.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€90k▼
2024 · €160k
Cash flow
€106k▼
2024 · €181k
Solvency
68.4%▲
2024 · 68.3%
Current ratio
1.95▲
2024 · 1.90
Quick ratio
1.87▲
2024 · 1.85
Debt / equity
0.46▲
2024 · 0.44
ROE
3.8%▼
2024 · 17.4%
ROA
2.6%▼
2024 · 11.9%
Interest coverage
20.19▼
2024 · 166.13
Debt
€355k▲
2024 · €336k
Debt ≤ 1 year
€277k▲
2024 · €249k
Debt > 1 year
€56k▼
2024 · €87k
Income taxes
€757▲
2024 · €603
Staff costs
€1.01M▲
2024 · €932k
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€1.11M€1.12M▲
Fixed assets21/28€635k€583k▼
Intangible fixed assets21€31k€19k▼
Tangible fixed assets22/27€212k€174k▼
Plant, machinery and equipment23€53k€39k▼
Furniture and vehicles24€149k€127k▼
Other tangible fixed assets26€10k€8k▼
Financial fixed assets28€393k€391k▼
Current assets29/58€471k€539k▲
Stocks and contracts in progress3€13k€21k▲
Stocks30/36€13k€21k▲
Amounts receivable within one year40/41€311k€266k▼
Trade receivables40€76k€93k▲
Other amounts receivable41€235k€172k▼
Cash at bank and in hand54/58€143k€251k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.11M€1.12M▲
Equity10/15€756k€767k▲
Contributions10/11€385k€385k=
Capital10€385k€385k=
Reserves13€240k€266k▲
Profit (loss) carried forward14€74k€77k▲
Investment grants15€57k€39k▼
Provisions and deferred taxes16€14k-
Provisions for liabilities and charges160/5€14k-
Pensions and similar obligations160€14k-
Amounts payable17/49€336k€355k▲
Amounts payable after more than one year17€87k€56k▼
Financial debts170/4€87k€56k▼
Amounts payable within one year42/48€249k€277k▲
Current portion of amounts payable after more than one year42€32k€31k▼
Trade debts44€25k€6k▼
Suppliers440/4€25k€6k▼
Advances received on contracts in progress46€67k€81k▲
Taxes, remuneration and social security45€121k€150k▲
Taxes450/3€7k€23k▲
Remuneration and social security454/9€114k€127k▲
Accrued charges and deferred income492/3€52€21k▲
Income statement
Code20242025
Turnover70€455k-
Non-recurring operating income76A-€0
Goods, raw materials, services and sundry goods60/61€353k€191k▼
Remuneration, social security and pensions62€932k€1.01M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€77k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k-
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A€2k-
Gross operating margin9900€1.10M€1.11M▲
Operating profit (loss)9901€111k€13k▼
Financial income75/76B€23k€21k▼
Recurring financial income75€23k€21k▼
Financial charges65/66B€964€4k▲
Recurring financial charges65€964€4k▲
Profit (loss) for the period before taxes9903€133k€30k▼
Income taxes67/77€603€757▲
Profit (loss) for the period9904€132k€29k▼
Profit (loss) for the period to be appropriated9905€132k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€155k€103k▼
Profit (loss) brought forward from the previous period14P€23k€74k▲
From contributions791€19k-
To contributions691€100k€26k▼
Social balance
Average headcount (FTE)908716.716.6▼
The notes to these accounts (16 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €132k ▲93.5%
Operating result €111k, net result €132k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €500kEq €502k ▲4.6%
3 profitable years in a row build equity to €502k.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €44k
Net result €44k after 2 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2025
This board is reconstructed from a single act (25107147). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Abels Simon
CurrentDirector · since 25-06-2025
Buchin Fabrice
CurrentDirector · since 25-06-2025
Carlier Madeleine
CurrentDirector · since 25-06-2025
Collart Luc
CurrentDirector · since 25-06-2025
Delmotte Brigitte
CurrentDirector · since 25-06-2025
Evrard Mélanie
CurrentDirector · since 25-06-2025
+ 4 not shown in this overview
25-06-2025
Abels Simon: Appointed as Director
25-06-2025
Buchin Fabrice: Appointed as Director
25-06-2025
Carlier Madeleine: Appointed as Director
25-06-2025
Collart Luc: Appointed as Director
25-06-2025
Delmotte Brigitte: Appointed as Director
25-06-2025
Evrard Mélanie: Appointed as Director
25-06-2025
Fievet Laurent: Appointed as Director
25-06-2025
Loisse Sophie: Appointed as Director
25-06-2025
Wendorf Daniel: Appointed as Director
25-06-2025
Mersch Aurore: Appointed as Director
20-06-2025
Mersch Aurore: Appointed as Director
Location & real-estate footprint
Registered office, Thuin · 1 establishment unit since 2003
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.
Rue Crombouly(THN) 16530 ThuinGround area
731 m²
Building footprint
95 m²
Volume, LiDAR
766 m³
Parcel 56078A0660/00B000, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
L ESSOR ASBL
since 20032.177.642.971
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56078A0660/00B000indicative | Wallonia | 731 m² | 1 · 95 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
Recognised contractor
6 categoriesL'Essor ASBL41467
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Of 3,006 companies in sector 85592 we hold annual accounts for 984. 537 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded16-02-1995
Fiscal year end31-12
Activities, NACEBEL
80421
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.