ESSEC GROUP
ActiveESSEC GROUP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €7.56M and a net result of €2.48M. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 83% of 6147 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
14 d early
2023
61 d late
2022
31 d late
2021
11 d early
2020
10 d early
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€7.56M▼ 0.3%
2023 · €7.58M
2018: €7.03M
2019: €7.05M
2020: €7.07M
2021: €7.57M
2022: €7.58M
2023: €7.58M
2018 → 2024
Net result
€2.48M▲ 91,799%
2023 · €3k
2018: €523k
2019: €521k
2020: €519k
2021: €499k
2022: €14k
2023: €3k
2018 → 2024
Total assets
€8.67M▲ 9.8%
2023 · €7.90M
2018: €7.50M
2019: €7.67M
2020: €7.69M
2021: €7.92M
2022: €7.96M
2023: €7.90M
2018 → 2024
Solvency
87.2%▼ 8.8pp
2023 · 96.0%
2018: 93.7%
2019: 91.9%
2020: 91.9%
2021: 95.5%
2022: 95.2%
2023: 96.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€7.07M-€7.57M▲ 7.1%€7.58M▲ 0.2%€7.58M=€7.56M▼ 0.3%
Operating result€-30k-€3k€20k▲ 627%€9k▼ 56.7%€5k▼ 41.5%
Net result€519k-€499k▼ 3.9%€14k▼ 97.3%€3k▼ 80.2%€2.48M▲ 91,799%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 42% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €8.67M
Fixed assets
€5.64M▼ 0.5%
Current assets
€3.02M▲ 35.8%
Equity and liabilities €8.67M
Equity
€7.56M▼ 0.3%
Debt
€1.11M▲ 252%
The debt ratio rises from 4.0% to 12.8%: debt grows while equity shrinks.
Key figures and ratios
Solvency
87.2%▼
2023 · 96.0%
ROE
32.8%▲
2023 · 0.0%
ROA
28.6%▲
2023 · 0.0%
Debt
€1.11M▲
2023 · €314k
Debt ≤ 1 year
€895k▲
2023 · €301k
Debt > 1 year
€207k▲
2023 · €2k
Income taxes
€145▼
2023 · €5k
Staff costs
€305k▼
2023 · €369k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€7.90M€8.67M▲
Fixed assets21/28€5.67M€5.64M▼
Tangible fixed assets22/27€66k€40k▼
Plant, machinery and equipment23€53k€33k▼
Furniture and vehicles24€13k€7k▼
Financial fixed assets28€5.61M€5.61M=
Current assets29/58€2.23M€3.02M▲
Amounts receivable within one year40/41€2.20M€3.00M▲
Other amounts receivable41€2.20M€3.00M▲
Cash at bank and in hand54/58€9k€16k▲
Deferred charges and accrued income490/1€18k€10k▼
Equity and liabilities
Total equity and liabilities10/49€7.90M€8.67M▲
Equity10/15€7.58M€7.56M▼
Contributions10/11€7.00M€7.00M=
Capital10€7.00M€7.00M=
Issued capital100€7.00M€7.00M=
Reserves13€583k€561k▼
Non-distributable reserves130/1€142k€266k▲
Legal reserve130€142k€266k▲
Distributable reserves133€441k€295k▼
Amounts payable17/49€314k€1.11M▲
Amounts payable after more than one year17€2k€207k▲
Financial debts170/4€2k€207k▲
Amounts payable within one year42/48€301k€895k▲
Current portion of amounts payable after more than one year42€6k€69k▲
Financial debts43€20k€20k=
Credit institutions430/8€20k€20k=
Trade debts44€86k€312k▲
Suppliers440/4€86k€312k▲
Taxes, remuneration and social security45€28k€40k▲
Taxes450/3€5k€17k▲
Remuneration and social security454/9€23k€23k▲
Other amounts payable47/48€161k€452k▲
Accrued charges and deferred income492/3€11k€4k▼
Income statement
Code20232024
Remuneration, social security and pensions62€369k€305k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€26k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€405k€337k▼
Operating profit (loss)9901€9k€5k▼
Financial income75/76B€26€2.50M▲
Recurring financial income75€26€2.50M▲
Financial charges65/66B€569€26k▲
Recurring financial charges65€569€26k▲
Profit (loss) for the period before taxes9903€8k€2.48M▲
Income taxes67/77€5k€145▼
Profit (loss) for the period9904€3k€2.48M▲
Profit (loss) for the period to be appropriated9905€3k€2.48M▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€2.48M▲
Transfer from equity791/2-€146k
Transfer to equity691/2€3k€124k▲
To the legal reserve6920€135€124k▲
To other reserves6921€3k-
Profit to be distributed694/7-€2.50M
Return on contributions (dividend)694-€2.50M
Social balance
Average headcount (FTE)90874.14.4▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director reappointment · Mandate compensation13 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director reappointment · Mandate compensation13 facts ▸
- General meeting, 12/06/2026
- Director reappointment, Johan Deroy (niet-statutaire bestuurder)
- Mandate compensation, Johan Deroy
- Director reappointment, Luc Achten (niet-statutaire bestuurder)
- Mandate compensation, Luc Achten
- Director reappointment, Peter Jans (niet-statutaire bestuurder)
- Mandate compensation, Peter Jans
- Board meeting, 11/06/2026
- Director reappointment, Johan Deroy (gedelegeerd bestuurder)
- Mandate compensation, Johan Deroy
- Director reappointment, Luc Achten (gedelegeerd bestuurder)
- Mandate compensation, Luc Achten
- +1 further facts in this act
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €2.48M ▲91799%
Net result €2.48M, the highest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €3k ▼80.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity times 13current ratio 6.63
Current ratio from 0.51 to 6.63; short-term debt falls from €621k to €339k.
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
28-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
under verification, last change in 2026
This board is reconstructed from a single act (26098543). 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.
JANS Peter
CurrentNon-statutory director · since 12-06-2026
Johan Deroy
CurrentManaging director · since 12-06-2026
Luc Achten
CurrentNon-statutory director · since 12-06-2026
12-06-2026
JANS Peter: Mandate renewed as Non-statutory director
12-06-2026
Johan Deroy: Mandate renewed as Managing director
12-06-2026
Johan Deroy: Mandate renewed as Non-statutory director
12-06-2026
Luc Achten: Mandate renewed as Non-statutory director
12-06-2026
Luc Achten: Mandate renewed as Managing director
Not every act has been read: a resignation may be missing here
4 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Tessenderlo-Ham · 1 establishment unit since 2014
Ground area
7,450 m²
Building footprint
1,126 m²
Volume, LiDAR
1 m³
Parcel 71362B1681/00A000, Flanders · tallest building 0.4 m. Linked by address, not a title deed.
1 establishment unit
ESSEC GROUP
since 20142.237.168.408
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71362B1681/00A000 | Flanders | 7,450 m² | 1 · 1,126 m² | 0.4 m |
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.
Structure & network
Connections & network
13 connected companiesLinked via shared directors
viaJANS Peter · Director
→
viaJANS Peter · Non-statutory director
→
viaJANS Peter · Non-statutory director
→
viaJANS Peter · Director
→
Show 9 more companies with a shared director
viaJANS Peter · Permanent representative
→
viaJANS Peter · Director
former→
viaJANS Peter · Director
former→
viaJANS Peter · Director
former→
viaJANS Peter · Adviseur
former→
viaJANS Peter · Director
former→
viaJANS Peter · Director
former→
viaJANS Peter · Director
former→
viaJANS Peter · Permanent representative
former→
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Of 24,639 companies in sector 64210 we hold annual accounts for 19,694. 6,846 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded09-12-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.