BANCU ED.
ActiveSummary
BANCU ED. has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €240k and a net result of €-3k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 72% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-1
Solvency88▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.69 against 2.33 in 2024; short-term debt: 36.7% and cash: 5.8% of total assets), and 36.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
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
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
31 d early
2023
23 d early
2022
32 d early
2021
44 d early
2020
31 d late
2019
23 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 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
€-3k
2024 · €3k
2018: €34k
2019: €51k
2020: €11k
2021: €24k
2022: €34k
2023: €15k
2024: €3k
2018 → 2025
Working capital
€235k▲ 1.0%
2024 · €233k
2018: €100k
2019: €133k
2020: €148k
2021: €174k
2022: €209k
2023: €231k
2024: €233k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€191k-€225k▲ 18.1%€240k▲ 6.6%€242k▲ 1.1%€240k▼ 1.1%
Operating result€35k-€44k▲ 24.4%€15k▼ 65.4%€-14k€-3k▲ 82.1%
Net result€24k-€34k▲ 44.0%€15k▼ 57.0%€3k▼ 82.1%€-3k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €14k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €379k
Fixed assets
€5k ▼ 51.8%
Current assets
€374k ▼ 8.3%
Equity and liabilities €379k
Equity
€240k ▼ 1.1%
Debt
€139k ▼ 20.7%
Debt's share of the balance-sheet total falls from 42.0% to 36.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€750▲
2024 · €-10k
Cash flow
€703▼
2024 · €7k
Current ratio
2.69▲
2024 · 2.33
Quick ratio
2.64▲
2024 · 2.10
Debt to equity
0.58▼
2024 · 0.72
ROE
-1.1%▼
2024 · 1.1%
ROA
-0.7%▼
2024 · 0.6%
Interest coverage
0.07▲
2024 · -1.22
Debt ≤ 1 year
€139k▼
2024 · €175k
Income taxes
€2k▼
2024 · €2k
Staff costs
€569k▼
2024 · €626k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€418k€379k▼
Fixed assets21/28€10k€5k▼
Tangible fixed assets22/27€10k€3k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€3k€0▼
Other tangible fixed assets26€4k€2k▼
Financial fixed assets28-€1k
Current assets29/58€408k€374k▼
Amounts receivable after more than one year29€282k€297k▲
Other amounts receivable291€282k€297k▲
Stocks and contracts in progress3€39k€7k▼
Stocks30/36€7k€7k=
Contracts in progress37€32k€0▼
Amounts receivable within one year40/41€41k€37k▼
Trade receivables40€26k€14k▼
Other amounts receivable41€15k€23k▲
Cash at bank and in hand54/58€25k€22k▼
Deferred charges and accrued income490/1€20k€12k▼
Equity and liabilities
Total equity and liabilities10/49€418k€379k▼
Equity10/15€242k€240k▼
Contributions10/11€12k€12k=
Reserves13€230k€230k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€228k€228k=
Profit (loss) carried forward14-€-3k
Amounts payable17/49€175k€139k▼
Amounts payable within one year42/48€175k€139k▼
Trade debts44€69k€112k▲
Suppliers440/4€69k€112k▲
Advances received on contracts in progress46€82k€0▼
Taxes, remuneration and social security45€24k€28k▲
Taxes450/3€4k€0▼
Remuneration and social security454/9€20k€28k▲
Accrued charges and deferred income492/3-€5
Income statement
Code20242025
Non-recurring operating income76A€0€7k▲
Remuneration, social security and pensions62€626k€569k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-7k€0▲
Other operating charges640/8€2k€4k▲
Non-recurring operating charges66A€248€0▼
Gross operating margin9900€611k€574k▼
Operating profit (loss)9901€-14k€-3k▲
Financial income75/76B€27k€12k▼
Recurring financial income75€10k€10k▲
Non-recurring financial income76B€18k€2k▼
Financial charges65/66B€8k€10k▲
Recurring financial charges65€8k€10k▲
Profit (loss) for the period before taxes9903€5k€-689▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€3k€-3k▼
Profit (loss) for the period to be appropriated9905€3k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-3k▼
Transfer to equity691/2€3k€0▼
To other reserves6921€3k€0▼
Social balance
Average headcount (FTE)908712.19.8▼
The notes to these accounts (22 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-3k ▼199%
Net result drops to €-3k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €225k ▲18.1%
5 profitable years in a row build equity to €225k.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €51k ▲51.9%
Operating result €70k, net result €51k, both a record.
31-12
Financial
Equity above €150kEq €156k ▲48.8%
2 profitable years in a row build equity to €156k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2007
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 Praile(NAL) 756120 Ham-sur-Heure-NalinnesGround area
1,056 m²
Building footprint
117 m²
Volume, LiDAR
587 m³
Parcel 56058B0791/00M003, Wallonia · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bancu ED.
since 20072.165.705.043
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56058B0791/00M003 | Wallonia | 1,056 m² | 1 · 117 m² | 6.6 m · 2 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
BOUW,RENOVATIE EN DAKWERKEN
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BMLW
BE 0771.361.420
Tessenderlo-Ham · Eq €239,922
KENIS DAKWERKEN
BE 0662.539.593
Vorselaar · Eq €239,713
Ets Pierre Plennevaux
BE 0841.823.507
Grez-Doiceau · Eq €239,982
Thomas Dimitri Dakwerken
BE 0633.553.223
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Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,502 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-09-2007
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.