EC 8
ActiveSummary
EC 8 has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €-637. Equity is shrinking by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-5
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
75.8%
Return on assets
-9.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
29 d early
2023
34 d early
2022
18 d early
2021
33 d early
2020
18 d early
2019
69 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 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, micro schema
Turnover
€184k
EBIT margin
1.9%
Net result
€-637▼ 14.8%
2024 · €-555
2018: €2k
2019: €327
2020: €-672
2021: €-743
2022: €-541
2023: €-559
2024: €-555
2018 → 2025
Working capital
€5k▼ 11.3%
2024 · €6k
2018: €8k
2019: €9k
2020: €8k
2021: €7k
2022: €7k
2023: €6k
2024: €6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€7k▼ 7.4%€6k▼ 8.3%€6k▼ 8.9%€5k▼ 11.3%
Operating result€-501-€-448▲ 10.4%€-497▼ 10.8%€-502▼ 1.1%€-584▼ 16.2%
Net result€-743-€-541▲ 27.1%€-559▼ 3.3%€-555▲ 0.8%€-637▼ 14.8%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €584 in 2025 against €502 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €7k
Equity
€5k ▼ 11.3%
Debt
€2k =
Debt's share of the balance-sheet total rises from 22.1% to 24.2%. Equity is lower.
Key figures and ratios
Current ratio
4.13▼
2024 · 4.52
Debt to equity
0.32▲
2024 · 0.28
ROE
-12.7%▼
2024 · -9.8%
ROA
-9.6%▼
2024 · -7.7%
Debt ≤ 1 year
€2k=
2024 · €2k
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 · 28 lines
Balance sheet
Code20242025
Assets
Total assets20/58€7k€7k▼
Current assets29/58€7k€7k▼
Amounts receivable within one year40/41€7k€7k▼
Other amounts receivable41€7k€7k▼
Cash at bank and in hand54/58€16€13▼
Equity and liabilities
Total equity and liabilities10/49€7k€7k▼
Equity10/15€6k€5k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-2k€-3k▼
Amounts payable17/49€2k€2k=
Amounts payable within one year42/48€2k€2k=
Trade debts44€974€975=
Suppliers440/4€974€975=
Taxes, remuneration and social security45€629€629=
Taxes450/3€629€629=
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€-115€-184▼
Operating profit (loss)9901€-502€-584▼
Financial charges65/66B€52€53▲
Recurring financial charges65€52€53▲
Profit (loss) for the period before taxes9903€-555€-637▼
Profit (loss) for the period9904€-555€-637▼
Profit (loss) for the period to be appropriated9905€-555€-637▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-3k▼
Profit (loss) brought forward from the previous period14P€-2k€-2k▼
The notes to these accounts (1 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-743
Net result drops to €-743, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 69 days late
2019
31-12
Financial
Liquidity times 11current ratio 11.11
Current ratio from 1.05 to 11.11; short-term debt falls from €160k to €862.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Tournai · 1 establishment unit since 2012
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 de la Terre à Briques(MAR) 147522 Tournai1 establishment unit
Rue de la Terre à Briques(MAR) 14, 7522 Tournai
since 20122.208.387.023
Similar companies · same sector, comparable size
HBS & Co
BE 1004.380.065
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EC 7
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Tournai · Eq €5,358
EC 6
BE 0844.136.560
Tournai · Eq €6,063
Cemani
BE 0837.383.479
Tournai · Eq €6,421
EC 9
BE 0844.136.956
Tournai · Eq €6,685
Of 184 companies in sector 46322 we hold annual accounts for 132. 38 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)
Founded02-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
46322Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filings
Scores and ratios are computed by Checked and are not a credit decision.