Active BE 0689.894.583Private limited company

E-BINI

Leigrachtlaan 7 ·2660 Antwerpen, Belgium· 8 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

E-BINI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.35M and a net result of €324k. Equity is growing by ~39.2% per year across the filed fiscal years. Its solvency ranks better than 42% of 5394 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€1.35M
Net result	€324k
Better than sector	42%
Active	8 yrs

Financial profile 4 of 5 axes measured · computed by Checked

83 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 54

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2018, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview7 NBB filings

Annual accounts filed on 16-07-2026 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~39.2%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	42.8%	51.9%	better than 42% of 5394 sector peers
Net result	€324k	€53k	better than 83% of 5395 sector peers
Equity	€1.35M	€623k	better than 68% of 5395 sector peers
Gross operating margin	€424k	€87k	better than 88% of 5391 sector peers
Total assets	€3.16M	€1.55M	better than 70% of 5395 sector peers

Net profit

€324k

-4.3% 21-25

Total assets

€3.16M

+169.2% 21-25

Equity

€1.35M

+31.4% 21-25

Income taxes

€102k

+18.2% 21-25

Debt

€1.81M

+1150.4% 21-25

Debt ≤ 1y

€1.81M

+1149.7% 21-25

Solvency

42.8%

-51.2% 21-25

ROE

23.9%

-27.2% 21-25

ROA

10.2%

-64.5% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	abbreviated schema	abbreviated schema	micro schema	micro schema	micro schema
Revenue	n/a	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a	n/a
Net profit	€324k	€339k	€241k	€64k	€117k
Cash flow	n/a	n/a	n/a	n/a	n/a
Staff costs	-	-	-	-	-
Income taxes	€102k	€86k	€61k	€51k	€34k
Dividends	-	-	-	-	-
Total assets	€3.16M	€1.17M	€799k	€478k	€419k
Equity	€1.35M	€1.03M	€692k	€451k	€387k
Debt	€1.81M	€145k	€107k	€27k	€32k
of which ≤ 1y	€1.81M	€145k	€107k	€27k	€29k
of which > 1y	-	-	-	-	-
Working capital	n/a	n/a	n/a	n/a	n/a
Employees (FTE)	-	-	-	-	-

Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, micro schema), so the columns are not directly comparable.

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a	n/a
Solvency	42.8%	87.7%	86.6%	94.3%	92.5%
Debt / equity	n/a	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a	n/a
ROA	10.2%	28.8%	30.1%	13.3%	27.9%
ROE	23.9%	32.9%	34.8%	14.1%	30.2%
EBITDA margin	n/a	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €3.01M · 95.1% Current assets €154k · 4.9%

Equity & liabilities

Equity €1.35M · 42.8% Debt €1.81M · 57.2%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€3.16M	€1.17M	€799k	€478k	€419k
Fixed assets	21/28	€3.01M	€499k	€375k	€137k	€137k
Tangible fixed assets	22/27	-	€0	€606	€2k	€2k
Financial fixed assets	28	€3.01M	€499k	€375k	€135k	€135k
Current assets	29/58	€154k	€676k	€424k	€341k	€282k
Amounts receivable within one year	40/41	€37k	€501k	€343k	€81k	€59k
Investments	50/53	€0	€150k	-	-	-
Cash & bank	54/58	€117k	€25k	€80k	€260k	€223k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€3.16M	€1.17M	€799k	€478k	€419k
Equity	10/15	€1.35M	€1.03M	€692k	€451k	€387k
Contributions / capital	10/11	€6k	€6k	€6k	€6k	€6k
Reserves	13	€2k	€2k	€2k	€2k	€2k
Accumulated profits (losses)	14	€1.35M	€1.02M	€684k	€443k	€379k
Amounts payable	17/49	€1.81M	€145k	€107k	€27k	€32k
Amounts payable within one year	42/48	€1.81M	€145k	€107k	€27k	€29k
Trade debts payable within one year	44	€1k	€4k	€3k	€3k	€15
Income statement
Gross operating margin	9900	€424k	€426k	€304k	€117k	€153k
Operating result	9901	€423k	€425k	€302k	€115k	€151k
Financial income	75	€3k	€68	€4	-	-
Financial charges	65	€56	€50	€48	-	-
Result before taxes	9903	€426k	€425k	€302k	€115k	€151k
Income taxes	67/77	€102k	€86k	€61k	€51k	€34k
Net result for the period	9904	€324k	€339k	€241k	€64k	€117k
Result to be appropriated	9905	€324k	€339k	€241k	€64k	€117k

Directors & mandates 1 directors

Current directors & mandates

De Nil Veronique
Director
State Gazette act 26014633 (29-01-2026)

Current
01-01-2026 → present

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Private limited company(610)
Incorporation	07-02-2018
Status	Active
Postal code	2660

Establishment units 1 location

E-BINI

Leigrachtlaan 7, 2660 AntwerpenGeneral electrical installation work

since 20182.302.368.838

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11382A0458/00E000	Flanders	237 m²	1 · 78 m²	8.2 m · 2 fl.

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.

Updates 10 events

All 14Financial 4Gazette 3Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

16-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

29-01

State Gazette act Director changes

v3.2

2025

30-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Highest result since 2021net €339k ▲40.6%

Operating result €425k, net result €339k, both a record.

31-12

Financial Equity above €1MEq €1.03M ▲48.9%

4 profitable years in a row build equity to €1.03M.

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Equity above €500kEq €692k ▲53.4%

3 profitable years in a row build equity to €692k.

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

10-07

State Gazette act Director changes

v3.2

2022

31-12

Financial Weakest financial yearnet €64k ▼45.4%

Net result drops to €64k, the lowest in the series; recovery starts the following year.

29-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 29 days late

2021

30-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

15-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 46 days late

2018

09-02

State Gazette act Incorporation

oprichting

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 3 acts

All acts · 3 updated 7 months ago

2026

29-01-2026 De Nil Veronique appointed as director Director changes

De Nil Veronique, Bestuurder

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "De Nil Veronique",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2026-01-01",
      "evidence_quote": "mevrouw De Nil Veronique te benoemen als bestuurder met ingang van 01/01/2026."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0689.894.583",
    "name_full": "E-BINI",
    "legal_form": "BV"
  }
}

2023

10-07-2023 Change in the board of directors Director changes

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0689.894.583",
    "name_full": "E-BINI",
    "legal_form": "BVBA"
  }
}

2018

09-02-2018 Incorporation of a new BV Incorporation

Summary: oprichting

Original publication ↗

Technical details

{
  "kind": "oprichting",
  "seat": "Leigrachtlaan 7, 2660 Antwerpen",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1982-09-29",
        "name": "Wim BILLIET",
        "niss": null,
        "address": "2660 Antwerpen (Hoboken), Leigrachtlaan 7"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 6200,
      "holder_person_name": "Wim BILLIET",
      "is_subscriber_only": false,
      "n_shares_subscribed": 240,
      "amount_subscribed_eur": 14880,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1984-03-18",
        "name": "Veronique De NIL",
        "niss": null,
        "address": "2660 Antwerpen (Hoboken), Leigrachtlaan 7"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 6200,
      "holder_person_name": "Veronique De NIL",
      "is_subscriber_only": false,
      "n_shares_subscribed": 60,
      "amount_subscribed_eur": 3720,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 18600,
  "subject_company": {
    "kbo": "0689.894.583",
    "name_full": "E-BINI",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2018-02-06",
  "post_incorporation_mandates": []
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activities of holding companies64210

Names & trade names

Legal nameNL

E-BINI

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