E-CHO
ActiveE-CHO has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €171k and a net result of €207. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 63% of 58 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability69▼-20
Solvency90▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.88 in 2025; short-term debt: 35.2% and cash: 4.1% of total assets), and 35.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
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 2026Solvency, return and age of the figures
Solvency
64.8%
Return on assets
0.1%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 02-06-2026, 151 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
151 d early
2025
50 d early
2024
121 d early
2023
22 d late
2022
90 d early
2021
167 d early
2020
155 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€207▼ 99.5%
2025 · €42k
2019: €31k
2020: €-9k
2021: €490
2022: €51k
2023: €4k
2024: €2k
2025: €42k
2019 → 2026
Working capital
€3k
2025 · €-12k
2019: €-49k
2020: €-45k
2021: €-40k
2022: €-5k
2023: €3k
2024: €-68k
2025: €-12k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€153k-€157k▲ 2.6%€128k▼ 18.7%€170k▲ 33.2%€171k▲ 0.1%
Operating result€69k-€3k▼ 95.8%€2k▼ 27.3%€53k▲ 2,404%€6k▼ 88.2%
Net result€51k-€4k▼ 92.0%€2k▼ 56.4%€42k▲ 2,302%€207▼ 99.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 88% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €263k
Fixed assets
€167k▼ 8.1%
Current assets
€96k▲ 13.9%
Equity and liabilities €263k
Equity
€171k▲ 0.1%
Debt
€93k▼ 3.4%
The debt ratio falls from 36.0% to 35.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▼
2025 · €66k
Cash flow
€12k▼
2025 · €56k
Solvency
64.8%▲
2025 · 64.0%
Current ratio
1.03▲
2025 · 0.88
Quick ratio
1.03▲
2025 · 0.88
Debt / equity
0.54▼
2025 · 0.56
ROE
0.1%▼
2025 · 24.9%
ROA
0.1%▼
2025 · 16.0%
Interest coverage
6.12▼
2025 · 309.06
Debt
€93k▼
2025 · €96k
Debt ≤ 1 year
€93k▼
2025 · €96k
Income taxes
€3k▼
2025 · €10k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€266k€263k▼
Fixed assets21/28€182k€167k▼
Tangible fixed assets22/27€76k€61k▼
Land and buildings22€37k€34k▼
Plant, machinery and equipment23-€961
Furniture and vehicles24€39k€26k▼
Financial fixed assets28€106k€106k=
Current assets29/58€84k€96k▲
Amounts receivable within one year40/41€66k€85k▲
Trade receivables40€66k€85k▲
Cash at bank and in hand54/58€17k€11k▼
Deferred charges and accrued income490/1€726€180▼
Equity and liabilities
Total equity and liabilities10/49€266k€263k▼
Equity10/15€170k€171k▲
Contributions10/11€8k€8k=
Reserves13€128k€128k=
Tax-exempt reserves132€88k€88k=
Distributable reserves133€40k€40k=
Profit (loss) carried forward14€35k€35k▲
Amounts payable17/49€96k€93k▼
Amounts payable within one year42/48€96k€93k▼
Financial debts43€60k€55k▼
Other loans439€60k€55k▼
Trade debts44-€45
Suppliers440/4-€45
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€8k▲
Other amounts payable47/48€30k€30k=
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€12k▼
Other operating charges640/8€896€1k▲
Gross operating margin9900€67k€19k▼
Operating profit (loss)9901€53k€6k▼
Financial charges65/66B€346€3k▲
Recurring financial charges65€215€3k▲
Non-recurring financial charges66B€131-
Profit (loss) for the period before taxes9903€52k€3k▼
Income taxes67/77€10k€3k▼
Profit (loss) for the period9904€42k€207▼
Transfer to tax-exempt reserves689€42k-
Profit (loss) for the period to be appropriated9905€391€207▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€35k▲
Profit (loss) brought forward from the previous period14P€34k€35k▲
The notes to these accounts (10 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 2027, expected by
2026
02-06
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
2025
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
Financial
Equity above €150kEq €170k ▲33.2%
5 profitable years in a row build equity to €170k.
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Highest result since 2019net €51k ▲10218%
Operating result €69k, net result €51k, both a record.
31-03
Financial
Equity above €150kEq €153k ▲7.4%
2 profitable years in a row build equity to €153k.
2021
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-03
Financial
Back to profitnet €490
Net result €490 after one loss-making year.
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
31-03
Financial
Weakest financial yearnet €-9k ▼128%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
2019
24-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ukkel · 1 establishment unit since 2000
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.
Ohaindal 221180 UkkelGround area
728 m²
Building footprint
142 m²
Volume, LiDAR
873 m³
Parcel 21612D0498/00N005, Brussels · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
E-CHO
since 20002.101.033.361
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612D0498/00N005 | Brussels | 728 m² | 1 · 142 m² | 8.6 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.
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GDT
BE 0550.625.448
Holsbeek · Eq €171k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,668 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-04-2000
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.