ECHOLINE
ActiveSummary
ECHOLINE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.20M and a net result of €118k. Equity is growing by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 77% of 387 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-6
Solvency100▲+12
Growth85=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 6.66 against 7.29 in 2024; short-term debt: 8.1% and cash: 53.1% of total assets), and 23.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 88
Relative position
BE, all sectors
reference
Sector 88
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 2025Solvency, return and age of the figures
Solvency
76.6%
Return on assets
7.5%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
9 d early
2024
8 d early
2023
1 d early
2022
361 d late
2021
20 d early
2019
28 d late
2018
57 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
€61k▼ 24.5%
2024 · €81k
2018: €13k
2019: €8k
2021: €7k
2022: €23k
2023: €68k
2024: €81k
2018 → 2025
EBIT margin
160.6%▼ 11.5pp
2024 · 172.1%
2018: 313.6%
2019: -4259.5%
2021: 729.8%
2022: 258.3%
2023: 73.2%
2024: 172.1%
2018 → 2025
Net result
€118k▼ 16.0%
2024 · €140k
2018: €47k
2019: €94k
2021: €54k
2022: €58k
2023: €51k
2024: €140k
2018 → 2025
Working capital
€721k▲ 1.4%
2024 · €710k
2018: €229k
2019: €305k
2021: €414k
2022: €474k
2023: €655k
2024: €710k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€7k-€23k▲ 206%€68k▲ 201%€81k▲ 18.8%€61k▼ 24.5%
Equity€327k-€386k▲ 17.8%€436k▲ 13.1%€626k▲ 43.6%€1.20M▲ 92.3%
Operating result€54k-€58k▲ 8.2%€50k▼ 14.6%€139k▲ 179%€98k▼ 29.5%
Net result€54k-€58k▲ 8.2%€51k▼ 13.2%€140k▲ 177%€118k▼ 16.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.57M
Fixed assets
€724k ▲ 323%
Current assets
€848k ▲ 3.0%
Equity and liabilities €1.57M
Equity
€1.20M ▲ 92.3%
Provisions
€240k =
Debt
€127k ▼ 0.5%
Debt's share of the balance-sheet total falls from 12.9% to 8.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€122k▼
2024 · €141k
Cash flow
€142k▲
2024 · €142k
Current ratio
6.66▼
2024 · 7.29
Debt to equity
0.11▼
2024 · 0.20
ROE
9.8%▼
2024 · 22.4%
ROA
7.5%▼
2024 · 14.1%
Interest coverage
64.81▼
2024 · 181.81
Debt ≤ 1 year
€127k▲
2024 · €113k
Staff costs
€647k=
2024 · €647k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€994k€1.57M▲
Fixed assets21/28€171k€724k▲
Tangible fixed assets22/27€171k€724k▲
Land and buildings22-€705k
Plant, machinery and equipment23€1k€978▼
Furniture and vehicles24€4k€18k▲
Assets under construction and advance payments27€166k-
Current assets29/58€823k€848k▲
Amounts receivable within one year40/41€8k€2k▼
Other amounts receivable41€8k€2k▼
Cash at bank and in hand54/58€814k€834k▲
Deferred charges and accrued income490/1€1k€12k▲
Equity and liabilities
Total equity and liabilities10/49€994k€1.57M▲
Equity10/15€626k€1.20M▲
Profit (loss) carried forward14€576k€694k▲
Investment grants15€50k€510k▲
Provisions and deferred taxes16€240k€240k=
Provisions for liabilities and charges160/5€240k€240k=
Major repairs and maintenance162€240k-
Other liabilities and charges164/5-€240k
Amounts payable17/49€128k€127k▼
Amounts payable within one year42/48€113k€127k▲
Trade debts44€12k€3k▼
Suppliers440/4€12k€3k▼
Taxes, remuneration and social security45€101k€99k▼
Taxes450/3€13k€10k▼
Remuneration and social security454/9€88k€90k▲
Accrued charges and deferred income492/3€15k€202▼
Income statement
Code20242025
Operating income70/76A€853k€851k▼
Turnover70€81k€61k▼
Other operating income74€772k€790k▲
Operating charges60/66A€714k€753k▲
Goods for resale, raw materials and consumables60€2k€7k▲
Purchases600/8€2k€7k▲
Services and other goods61€63k€68k▲
Remuneration, social security and pensions62€647k€647k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€24k▲
Other operating charges640/8€1€2k▲
Non-recurring operating charges66A-€5k
Operating profit (loss)9901€139k€98k▼
Financial income75/76B€2k€21k▲
Recurring financial income75€2k€21k▲
Income from current assets751€2k€21k▲
Financial charges65/66B€775€2k▲
Recurring financial charges65€775€2k▲
Other financial charges652/9€775€2k▲
Profit (loss) for the period before taxes9903€140k€118k▼
Profit (loss) for the period9904€140k€118k▼
Profit (loss) for the period to be appropriated9905€140k€118k▼
Appropriation of the result
Profit (loss) to be appropriated9906€576k€694k▲
Profit (loss) brought forward from the previous period14P€436k€576k▲
Social balance
Average headcount (FTE)90877.46.9▼
The notes to these accounts (28 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
02-09
State Gazette act
Admissions: Virginie PIERARD (member) and Anne-Céline CHERON (member)Appointment: Anne-Céline CHERON (director)4 facts ▸
State Gazette act
Admissions: Virginie PIERARD (member) and Anne-Céline CHERON (member)
Appointment: Anne-Céline CHERON (director)4 facts ▸
- General meeting, 16-06-2026
- Member admission, Virginie PIERARD
- Member admission, Anne-Céline CHERON
- Director appointment, Anne-Céline CHERON (director)
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €1MEq €1.20M ▲92.3%
7 profitable years in a row build equity to €1.20M.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €140k ▲177%
Operating result €139k, net result €140k, both a record.
31-12
Financial
Equity above €500kEq €626k ▲43.6%
6 profitable years in a row build equity to €626k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 361 days late
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
2019
31-12
Financial
Equity above €200kEq €221k ▲33.9%
2 profitable years in a row build equity to €221k.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Anne-Céline CHERON
CurrentDirector · since 16-06-2026
16-06-2026
Appointed as Director
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2001
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.
Chaussée de Charleroi 1186061 CharleroiGround area
1.0 ha
Building footprint
158 m²
Volume, LiDAR
1,352 m³
2 parcels, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ECHOLINE
since 20012.197.837.282
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52049B1158/00A000 | Wallonia | 9,639 m² | - | - |
| 52049B0410/00D000 | Wallonia | 556 m² | 1 · 158 m² | 11.7 m · 3 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.
Public money · subsidies and aid
Wallonia-Brussels Federation
2024 to 2025 · 4 entries · 347,512 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 3 | 184,154 EUR |
| 2024 | 1 | 163,358 EUR |
Budget allocations
Sub. - PV : SAP
Subventions relatives à la politique de l'enfance
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Of 2,203 companies in sector 88999 we hold annual accounts for 802. 547 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 formNon-profit association
Founded28-03-2001
Fiscal year end31-12
Activities, NACEBEL 2025
88999Other social work without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.