SA ESPERANZA
ActiveSA ESPERANZA has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €427k and a net result of €170k. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 10% of 2377 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+3
Solvency34▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.27 in 2024; short-term debt: 54.3% and cash: 1.4% of total assets), but 91.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
8.9%
Return on assets
3.5%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2377 sector peers (2025).
NBB · sector comparisonPosition among 2377 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
4 d early
2022
11 d early
2021
12 d early
2020
17 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
€7.64M
EBIT margin
-2.3%
Net result
€170k▲ 315%
2024 · €41k
2019: €-128k
2021: €-11k
2022: €-363k
2023: €-13k
2024: €41k
2019 → 2025
Working capital
€1.50M▲ 99.4%
2024 · €750k
2019: €237k
2021: €42k
2022: €42k
2023: €361k
2024: €750k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-26k-€230k€217k▼ 5.5%€258k▲ 18.9%€427k▲ 65.9%
Operating result€92k-€-294k€21k€142k▲ 575%€233k▲ 63.7%
Net result€-11k-€-363k▼ 3,137%€-13k▲ 96.5%€41k€170k▲ 315%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 64% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.81M
Fixed assets
€704k▼ 14.9%
Current assets
€4.11M▲ 16.3%
Equity and liabilities €4.81M
Equity
€427k▲ 65.9%
Provisions
€15k▼ 20.2%
Debt
€4.37M▲ 7.0%
The debt ratio falls from 93.7% to 90.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€364k▼
2024 · €449k
Cash flow
€301k▼
2024 · €348k
Solvency
8.9%▲
2024 · 5.9%
Current ratio
1.57▲
2024 · 1.27
Quick ratio
1.25▲
2024 · 0.96
Debt / equity
10.22▼
2024 · 15.84
ROE
39.7%▲
2024 · 15.9%
ROA
3.5%▲
2024 · 0.9%
Interest coverage
6.26▼
2024 · 9.23
Debt
€4.37M▲
2024 · €4.08M
Debt ≤ 1 year
€2.61M▼
2024 · €2.78M
Debt > 1 year
€1.76M▲
2024 · €1.30M
Income taxes
€59k▼
2024 · €89k
Staff costs
€521k▼
2024 · €615k
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€4.36M€4.81M▲
Fixed assets21/28€827k€704k▼
Tangible fixed assets22/27€820k€696k▼
Land and buildings22€2k€2k=
Plant, machinery and equipment23€336k€274k▼
Furniture and vehicles24€482k€420k▼
Financial fixed assets28€7k€7k=
Current assets29/58€3.53M€4.11M▲
Amounts receivable after more than one year29€2.01M€2.94M▲
Other amounts receivable291€2.01M€2.94M▲
Stocks and contracts in progress3€871k€856k▼
Stocks30/36€871k€856k▼
Amounts receivable within one year40/41€424k€231k▼
Trade receivables40€207k€196k▼
Other amounts receivable41€218k€36k▼
Cash at bank and in hand54/58€209k€65k▼
Deferred charges and accrued income490/1€19k€15k▼
Equity and liabilities
Total equity and liabilities10/49€4.36M€4.81M▲
Equity10/15€258k€427k▲
Contributions10/11€902k€902k=
Capital10€902k€902k=
Issued capital100€902k€902k=
Reserves13€43k€36k▼
Non-distributable reserves130/1€5k€5k=
Legal reserve130€5k€5k=
Tax-exempt reserves132€38k€31k▼
Profit (loss) carried forward14€-688k€-511k▲
Provisions and deferred taxes16€19k€15k▼
Deferred taxes168€19k€15k▼
Amounts payable17/49€4.08M€4.37M▲
Amounts payable after more than one year17€1.30M€1.76M▲
Financial debts170/4€1.05M€818k▼
Trade debts175-€690k
Other amounts payable178/9€250k€250k=
Amounts payable within one year42/48€2.78M€2.61M▼
Current portion of amounts payable after more than one year42€240k€497k▲
Trade debts44€2.33M€2.01M▼
Suppliers440/4€2.33M€2.01M▼
Taxes, remuneration and social security45€210k€91k▼
Taxes450/3€111k€4k▼
Remuneration and social security454/9€99k€87k▼
Other amounts payable47/48€901€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€615k€521k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€307k€132k▼
Other operating charges640/8€27k€44k▲
Gross operating margin9900€1.09M€929k▼
Operating profit (loss)9901€142k€233k▲
Financial income75/76B€31k€51k▲
Recurring financial income75€31k€51k▲
Financial charges65/66B€49k€58k▲
Recurring financial charges65€49k€58k▲
Profit (loss) for the period before taxes9903€125k€225k▲
Transfer from deferred taxes780€6k€4k▼
Income taxes67/77€89k€59k▼
Profit (loss) for the period9904€41k€170k▲
Transfer from tax-exempt reserves789€12k€8k▼
Profit (loss) for the period to be appropriated9905€53k€178k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-688k€-511k▲
Profit (loss) brought forward from the previous period14P€-741k€-688k▲
Social balance
Average headcount (FTE)908714.713.5▼
The notes to these accounts (19 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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
Financial
Highest result since 2019net €170k ▲315%
Operating result €233k, net result €170k, both a record.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-03
Financial
Back to profitnet €41k
Net result €41k after 4 loss-making years.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
20-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
31-03
Financial
Weakest financial yearnet €-363k
Net result drops to €-363k, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €200kEq €230k
Equity rises from €-26k to €230k.
2021
19-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
14-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
23-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
05-10
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
10 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, Verviers · 1 establishment unit since 2010
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.
Avenue Jean Lambert 104801 VerviersGround area
6,738 m²
Building footprint
1,536 m²
Parcel 63074A0667/00N009, Wallonia. Linked by address, not a title deed.
1 establishment unit
AD DELHAIZE STEMBERT
since 20102.187.500.943
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63074A0667/00N009 | Wallonia | 6,738 m² | 1 · 1,536 m² | - |
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
Food safety, FASFC
1 siteVerviers2.187.500.943
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Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 3,352 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-03-2010
Fiscal year end31-03
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.