Active BE 0479.473.077Non-profit association

écoconso

Rue Nanon 98 ·5000 Namur, Belgium· 23 yrs active

Sector: Temporary employment agencies and other provision of personnel (78200)

Conclusion Checked

écoconso has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €552k and a net result of €40k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 75% of 290 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).

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

Key figures

Equity	€552k
Net result	€40k
Staff (FTE)	8.5
Better than sector	75%

Financial profile 5 of 5 axes measured · computed by Checked

76 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 36

Solvency 99

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

< 0.1% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2002, 23 years in business.

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 FY 2024 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€50k

estimate, not credit advice

Score history

75 2020

93 2021

93 2022

52 2023

94 2024

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 4.07 (≥ 1.5) +10

Quick ratio Quick ratio 4.07 (≥ 1.0) +5

Leverage Debt/equity 0.63 (< 1.0) +10

Profitability ROE 7% +3

Interest coverage Interest coverage 39.2× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview19 NBB filings

Annual accounts filed on 09-07-2025 with the NBB · fiscal year 2024 · full 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 ~8.2%/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 2024 · NACE 78, Employment activities · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	61.4%	32.4%	better than 75% of 290 sector peers
Net result	€40k	€36k	better than 51% of 290 sector peers
Equity	€552k	€588k	better than 49% of 290 sector peers
Gross operating margin	€762k	€849k	better than 46% of 157 sector peers
Staff costs	€696k	€2.43M	higher than 22% of 259 sector peers

EBITDA

€49k

+940.0% 20-24

Net profit

€40k

- 20-24

Cash flow

€51k

+30015.5% 20-24

Total assets

€900k

+41.6% 20-24

Equity

€552k

+7.8% 20-24

Working capital

€605k

+36.4% 20-24

Employees (FTE)

9

+1.2% 20-24

Staff costs

€696k

+6.4% 20-24

Debt

€347k

+182.5% 20-24

Debt ≤ 1y

€197k

+81.4% 20-24

Current ratio

4.07

-19.9% 20-24

Quick ratio

4.07

-19.9% 20-24

Solvency

61.4%

-23.9% 20-24

Debt / equity

0.63

+162.0% 20-24

ROE

7.2%

- 20-24

ROA

4.5%

- 20-24

Interest coverage

39.21

+4879.0% 20-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024	2023	2022	2021	2020
Deposit	full schema	full schema	full schema	full schema	full schema
Revenue	-	-	-	-	-
EBITDA	€49k	€5k	€62k	€85k	€42k
Net profit	€40k	€-3k	€58k	€82k	€254k
Cash flow	€51k	€170	€62k	€85k	€258k
Staff costs	€696k	€654k	€638k	€547k	-
Income taxes	-	-	-	-	-
Dividends	-	-	-	-	-
Total assets	€900k	€635k	€748k	€570k	€493k
Equity	€552k	€512k	€515k	€457k	€375k
Debt	€347k	€123k	€233k	€113k	€117k
of which ≤ 1y	€197k	€109k	€196k	€111k	€84k
of which > 1y	-	-	-	-	-
Working capital	€605k	€444k	€464k	€371k	€316k
Employees (FTE)	8.5	8.4	9.0	8.3	8.4

Ratios (computed)

	2024	2023	2022	2021	2020
Current ratio	4.07	5.09	3.37	4.33	4.78
Quick ratio	4.07	5.09	3.37	4.33	4.78
Working capital ratio	67.3%	69.8%	62.0%	65.1%	64.1%
Solvency	61.4%	80.6%	68.8%	80.2%	76.2%
Debt / equity	0.63	0.24	0.45	0.25	-
Long-term debt ratio	-	-	-	-	-
Interest coverage	39.21	0.79	337.63	563.80	-
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	4.5%	-0.4%	7.7%	14.3%	51.6%
ROE	7.2%	-0.5%	11.2%	17.9%	67.7%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	126d	32d	121d	63d	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2024

Assets

Fixed assets €98k · 10.9% Current assets €802k · 89.1%

Equity & liabilities

Equity €552k · 61.4% Debt €347k · 38.6%

Full annual accounts (22 line items)

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

Line item	Code	2024	2023	2022	2021	2020
Balance sheet, Assets
TOTAL ASSETS	20/58	€900k	€635k	€748k	€570k	€493k
Fixed assets	21/28	€98k	€83k	€89k	€88k	€93k
Intangible fixed assets	21	€17k	€1k	€3k	€1k	€2k
Tangible fixed assets	22/27	€569	€2k	€812	€2k	€3k
Financial fixed assets	28	€81k	€80k	€85k	€85k	€89k
Current assets	29/58	€802k	€552k	€660k	€482k	€400k
Amounts receivable within one year	40/41	€213k	€100k	€216k	€85k	€109k
Cash & bank	54/58	€581k	€424k	€440k	€392k	€283k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€900k	€635k	€748k	€570k	€493k
Equity	10/15	€552k	€512k	€515k	€457k	€375k
Reserves	13	€552k	€512k	€121k	€121k	-
Accumulated profits (losses)	14	€0	€0	€394k	€336k	€254k
Amounts payable	17/49	€347k	€123k	€233k	€113k	€117k
Amounts payable within one year	42/48	€197k	€109k	€196k	€111k	€84k
Trade debts payable within one year	44	€66k	€8k	€53k	€24k	€13k
Income statement
Gross operating margin	9900	€762k	€662k	€719k	€636k	€573k
Operating result	9901	€38k	€2k	€58k	€82k	€39k
Financial income	75	€4k	€1k	€0	€4	€1
Financial charges	65	€1k	€6k	€184	€150	€54
Result before taxes	9903	€40k	€-3k	€58k	€82k	€38k
Net result for the period	9904	€40k	€-3k	€58k	€82k	€38k
Result to be appropriated	9905	€40k	€-3k	€58k	€82k	€38k

Directors & mandates 5 directors

Current directors & mandates

Sylvie Droulans
Director
State Gazette act 25120820 (24-09-2025)

Current
24-09-2025 → present
DECIDE asblLegal entity
Director· perm. rep.: Emma Wauthier
State Gazette act 24116364 (02-08-2024)

Current
02-08-2024 → present

Former directors (3)

Hugues Latteur
Director
State Gazette act 25120820 (24-09-2025)

Former
- → 24-09-2025
Arabelle Rasse
Director
State Gazette act 24116364 (02-08-2024)

Former
- → 02-08-2024
Nathalie Ricaille
Director
State Gazette act 24116364 (02-08-2024)

Former
- → 02-08-2024

Legal Structure

NACE primary	Temporary employment agencies and other provision of personnel(78200)
Legal form	Non-profit association(017)
Incorporation	03-12-2002
Status	Active
Postal code	5000

Establishment units 1 location

Rue Nanon 98, 5000 Namur

Activities of membership organisations

since 20082.372.186.567

Real-estate footprint Source: CBE × cadastre

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92094B0121/00Y002indicative	Wallonia	174 m²	-	-

Methodology

via registered seat: 1

0 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 12 events

All 15Financial 3Gazette 2Filings 10

2025

24-09

State Gazette act Director changes

09-07

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

31-12

Financial Back to profitnet €40k

Net result €40k after one loss-making year.

02-08

State Gazette act Director changes

05-07

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

31-12

Financial Weakest financial yearnet €-3k ▼104%

Net result drops to €-3k, the lowest in the series; recovery starts the following year.

15-06

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

31-12

Financial Equity above €500kEq €515k ▲12.6%

3 profitable years in a row build equity to €515k.

05-07

NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

29-06

NBB filing Annual accounts filed

fiscal year 2020 · full schema

2020

16-07

NBB filing Annual accounts filed

fiscal year 2019 · full schema

2019

13-06

NBB filing Annual accounts filed

fiscal year 2018 · full schema

2018

13-06

NBB filing Annual accounts filed

fiscal year 2017 · full schema

2017

02-06

NBB filing Annual accounts filed

fiscal year 2016 · full schema

2016

15-04

NBB filing Annual accounts filed

fiscal year 2015 · full schema

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

Belgian State Gazette reading coverage 0 of 17 acts read

We know of 17 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 2 acts

All acts · 2 updated 11 months ago

2025

24-09-2025 2 directors appointed, 1 resigning Director changes

ConsomAction asbl, Commissaris
Sylvie Droulans, Bestuurder
Hugues Latteur, Bestuurder

Original publication ↗

Technical details

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2024

02-08-2024 2 directors appointed, 2 resigning, 1 reappointed Director changes

Emma Wauthier, Commissaris
Emma Wauthier, Bestuurder
Nathalie Ricaille, Bestuurder
Arabelle Rasse, Bestuurder
bureau Maillard, Dethier & co., Commissaris

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Temporary employment agencies and other provision of personnel78200Employment activities7830091330Activities of membership organisations94994Other business support services82990

Names & trade names

Legal nameFR

écoconso

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