Point d'Eau
ActivePoint d'Eau has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.05M and a net result of €132k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 461 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-19
Solvency67=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €440k at 30 days acceptable
Liquidity short (current ratio 0.93 against 1.28 in 2024; short-term debt: 15.9% and cash: 11.6% of total assets), and 58.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 87
Relative position
BE, all sectors
reference
Sector 87
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
41.7%
Return on assets
0.9%
Age of the figures
9 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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
56 d early
2023
33 d early
2022
32 d early
2021
92 d late
2020
41 d late
2019
19 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€132k
2024 · €-39k
2018: €91k
2019: €56k
2020: €61k
2021: €16k
2022: €-96k
2023: €36k
2024: €-39k
2018 → 2025
Working capital
€-151k
2024 · €440k
2018: €-249k
2019: €-115k
2020: €50k
2021: €12k
2022: €-506k
2023: €3.14M
2024: €440k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.16M-€2.37M▲ 9.7%€3.68M▲ 55.2%€5.82M▲ 58.3%€6.05M▲ 3.9%
Operating result€-48k-€-158k▼ 229%€7k€-100k€120k
Net result€16k-€-96k€36k€-39k€132k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €120k after a loss of €100k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.51M
Fixed assets
€12.35M▲ 3.7%
Current assets
€2.16M▲ 8.8%
Equity and liabilities €14.51M
Equity
€6.05M▲ 3.9%
Debt
€8.46M▲ 4.8%
The debt ratio rises from 58.1% to 58.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€748k▲
2024 · €51k
Cash flow
€760k▲
2024 · €112k
Solvency
41.7%▼
2024 · 41.9%
Current ratio
0.93▼
2024 · 1.28
Quick ratio
0.93▼
2024 · 1.27
Debt / equity
1.40▲
2024 · 1.39
ROE
2.2%▲
2024 · -0.7%
ROA
0.9%▲
2024 · -0.3%
Interest coverage
3.51▼
2024 · 34.42
Debt
€8.46M▲
2024 · €8.08M
Debt ≤ 1 year
€2.31M▲
2024 · €1.54M
Debt > 1 year
€6.13M▼
2024 · €6.53M
Staff costs
€5.22M▲
2024 · €4.14M
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€13.90M€14.51M▲
Formation expenses20€0-
Fixed assets21/28€11.92M€12.35M▲
Intangible fixed assets21€2k€7k▲
Tangible fixed assets22/27€11.91M€12.35M▲
Land and buildings22€1.21M€11.21M▲
Plant, machinery and equipment23€43k€221k▲
Furniture and vehicles24€11k€757k▲
Assets under construction and advance payments27€10.65M€160k▼
Current assets29/58€1.98M€2.16M▲
Stocks and contracts in progress3€19k€20k▲
Stocks30/36€19k€20k▲
Raw materials and consumables30/31€19k€20k▲
Amounts receivable within one year40/41€950k€377k▼
Trade receivables40€272k€322k▲
Other amounts receivable41€678k€55k▼
Cash at bank and in hand54/58€873k€1.68M▲
Deferred charges and accrued income490/1€143k€79k▼
Equity and liabilities
Total equity and liabilities10/49€13.90M€14.51M▲
Equity10/15€5.82M€6.05M▲
Reserves13-€132k
Profit (loss) carried forward14€722k€722k=
Investment grants15€5.10M€5.19M▲
Amounts payable17/49€8.08M€8.46M▲
Amounts payable after more than one year17€6.53M€6.13M▼
Financial debts170/4€6.53M€6.13M▼
Credit institutions173€6.53M€6.13M▼
Amounts payable within one year42/48€1.54M€2.31M▲
Current portion of amounts payable after more than one year42€134k€235k▲
Trade debts44€361k€332k▼
Suppliers440/4€361k€332k▼
Taxes, remuneration and social security45€564k€1.06M▲
Taxes450/3€37€79k▲
Remuneration and social security454/9€564k€978k▲
Accrued charges and deferred income492/3€8k€24k▲
Income statement
Code20242025
Operating income70/76A€5.53M€8.04M▲
Other operating income74€5.41M€7.73M▲
Non-recurring operating income76A€91k€228k▲
Operating charges60/66A€5.63M€7.92M▲
Goods for resale, raw materials and consumables60€218k€289k▲
Purchases600/8€224k€290k▲
Change in stocks: decrease (increase)609€-6k€-903▲
Services and other goods61€440k€798k▲
Remuneration, social security and pensions62€4.14M€5.22M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€151k€628k▲
Other operating charges640/8€678k€957k▲
Non-recurring operating charges66A€4k€26k▲
Operating profit (loss)9901€-100k€120k▲
Financial income75/76B€62k€248k▲
Recurring financial income75€62k€248k▲
Other financial income752/9€62k€248k▲
Financial charges65/66B€1k€236k▲
Recurring financial charges65€1k€214k▲
Debt charges650-€213k
Other financial charges652/9€1k€647▼
Non-recurring financial charges66B-€22k
Profit (loss) for the period before taxes9903€-39k€132k▲
Profit (loss) for the period9904€-39k€132k▲
Profit (loss) for the period to be appropriated9905€-39k€132k▲
Appropriation of the result
Profit (loss) to be appropriated9906€722k€854k▲
Profit (loss) brought forward from the previous period14P€761k€722k▼
From contributions791€0€0=
To contributions691€0€132k▲
Social balance
Average headcount (FTE)908762.685.6▲
The notes to these accounts (56 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €132k
Net result €132k after one loss-making year.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €5MEq €5.82M ▲58.3%
Equity rises from €3.68M to €5.82M.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 3.12
Current ratio from 0.67 to 3.12; short-term debt falls from €1.54M to €1.48M.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-96k ▼713%
Net result drops to €-96k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 92 days late
2021
31-12
Financial
Equity above €2MEq €2.16M ▲13.1%
4 profitable years in a row build equity to €2.16M.
10-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 41 days late
2020
12-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-05
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
13 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, Arlon · 3 establishment units since 1981
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.
Chemin de Clairefontaine 646700 ArlonGround area
2.8 ha
Building footprint
2,336 m²
Volume, LiDAR
14,356 m³
3 parcels, Wallonia · tallest building 22.4 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Point d'Eau
since 19812.155.157.183
Point d'Eau
since 20082.235.446.855
Point d’Eau Attert
since 20232.350.986.921
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81003B1144/00E000 | Wallonia | 2.2 ha | - | - |
| 81013A0072/00E000 | Wallonia | 4,573 m² | 1 · 2,144 m² | 22.4 m · 2 fl. |
| 81001A1975/00E000 | Wallonia | 1,523 m² | 1 · 191 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMartelange2.155.157.183
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Of 323 companies in sector 87202 we hold annual accounts for 274. 201 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded30-07-1981
Fiscal year end31-12
Activities, NACEBEL
85314
87202Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.