E.L.J.
ActiveSummary
E.L.J. has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €11k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 71% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+9
Solvency91=
Growth39=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.45 against 2.6 in 2024; short-term debt: 33.2% and cash: 43.2% of total assets), and 33.9% 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
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
66.1%
Return on assets
8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-02-2026, 62 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
62 d early
2024
30 d early
2023
on the day
2022
30 d late
2021
24 d late
2020
31 d late
2019
29 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€255k▼ 12.2%
2021 · €291k
2021: €291k
2021 → 2023
EBIT margin
5.4%▼ 6.1pp
2021 · 11.5%
2021: 11.5%
2021 → 2023
Net result
€11k▲ 1,371%
2024 · €767
2018: €37k
2019: €3k
2020: €-9k
2021: €35k
2022: €-9k
2023: €15k
2024: €767
2018 → 2025
Working capital
€68k▲ 27.6%
2024 · €53k
2018: €45k
2019: €35k
2020: €20k
2021: €56k
2022: €37k
2023: €56k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€291k-€255k
Equity€75k-€66k▼ 11.9%€81k▲ 23.1%€82k▲ 0.9%€93k▲ 13.7%
Operating result€34k-€-519€14k€3k▼ 77.9%€17k▲ 441%
Net result€35k-€-9k€15k€767▼ 95.0%€11k▲ 1,371%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 441% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141k
Fixed assets
€27k ▼ 28.9%
Current assets
€115k ▲ 32.8%
Equity and liabilities €141k
Equity
€93k ▲ 13.7%
Debt
€48k ▲ 15.2%
Debt's share of the balance-sheet total rises from 33.7% to 33.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27k▲
2024 · €14k
Cash flow
€22k▲
2024 · €11k
Current ratio
2.45▼
2024 · 2.60
Quick ratio
2.30▲
2024 · 1.96
Debt to equity
0.51▲
2024 · 0.51
ROE
12.1%▲
2024 · 0.9%
ROA
8.0%▲
2024 · 0.6%
Interest coverage
14.00▼
2024 · 25.65
Debt ≤ 1 year
€47k▲
2024 · €33k
Debt > 1 year
€0▼
2024 · €8k
Income taxes
€6k▲
2024 · €4k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€124k€141k▲
Fixed assets21/28€37k€27k▼
Tangible fixed assets22/27€37k€27k▼
Land and buildings22€32k€23k▼
Plant, machinery and equipment23€2k€948▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€86k€115k▲
Stocks and contracts in progress3€21k€7k▼
Stocks30/36€0-
Contracts in progress37€21k€7k▼
Amounts receivable within one year40/41€55k€46k▼
Trade receivables40€17k€5k▼
Other amounts receivable41€37k€42k▲
Cash at bank and in hand54/58€10k€61k▲
Deferred charges and accrued income490/1-€624
Equity and liabilities
Total equity and liabilities10/49€124k€141k▲
Equity10/15€82k€93k▲
Contributions10/11€6k€6k=
Reserves13€75k€87k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€73k€85k▲
Profit (loss) carried forward14€767€0▼
Amounts payable17/49€42k€48k▲
Amounts payable after more than one year17€8k€0▼
Financial debts170/4€8k€0▼
Amounts payable within one year42/48€33k€47k▲
Current portion of amounts payable after more than one year42€11k€8k▼
Financial debts43€10k€10k▲
Credit institutions430/8€10k€10k▲
Trade debts44€12k€2k▼
Suppliers440/4€12k€2k▼
Advances received on contracts in progress46-€25k
Taxes, remuneration and social security45€0€1k▲
Taxes450/3€0€1k▲
Remuneration and social security454/9€0-
Accrued charges and deferred income492/3€387€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€43k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€185€575▲
Gross operating margin9900€57k€28k▼
Operating profit (loss)9901€3k€17k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€529€2k▲
Recurring financial charges65€529€2k▲
Profit (loss) for the period before taxes9903€4k€17k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€767€11k▲
Profit (loss) for the period to be appropriated9905€767€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€12k▼
Profit (loss) brought forward from the previous period14P€15k€767▼
Transfer to equity691/2€15k€12k▼
To other reserves6921€15k€12k▼
The notes to these accounts (7 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
30-09
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
30-09
Financial
Weakest financial yearnet €-9k ▼440%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 29 days late
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 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, Aarschot · 1 establishment unit since 2004
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.
Vleminkstraat 363201 AarschotGround area
2,291 m²
Building footprint
391 m²
Volume, LiDAR
1,892 m³
2 parcels, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
E.L.J.
since 20042.144.410.078
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24652G0133/00X002 | Flanders | 1,295 m² | 1 · 158 m² | 7.6 m · 2 fl. |
| 24060I0065/00T000 | Flanders | 996 m² | 1 · 232 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 8,825 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)
Founded13-10-2004
Fiscal year end30-09
Activities, NACEBEL 2025
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.