ELAMA
ActiveSummary
ELAMA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €223k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency27=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
1.5%
Return on assets
85.9%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 sector peers
Solvency
better than 6%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
46 d early
2024
59 d early
2023
6 d early
2022
43 d early
2021
56 d early
2020
39 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k=
2024 · €4k
2020: €36k
2021: €111k
2022: €225k
2023: €4k
2024: €4k
2020 → 2025
Total assets
€260k▲ 13.3%
2024 · €230k
2020: €71k
2021: €201k
2022: €322k
2023: €439k
2024: €230k
2020 → 2025
Net result
€223k▲ 17.5%
2024 · €190k
2020: €32k
2021: €75k
2022: €114k
2023: €138k
2024: €190k
2020 → 2025
Working capital
€-2k▲ 85.8%
2024 · €-11k
2020: €40k
2021: €114k
2022: €230k
2023: €-11k
2024: €-11k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€225k▲ 102%€4k▼ 98.2%€4k=€4k=
Operating result€91k-€142k▲ 56.6%€169k▲ 19.1%€241k▲ 42.7%€294k▲ 22.0%
Net result€75k-€114k▲ 51.2%€138k▲ 21.0%€190k▲ 38.0%€223k▲ 17.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €260k
Fixed assets
€8k ▼ 54.7%
Current assets
€252k ▲ 18.8%
Equity and liabilities €260k
Equity
€4k =
Debt
€256k ▲ 13.5%
Debt's share of the balance-sheet total rises from 98.3% to 98.5%. Debt is higher.
Key figures and ratios
EBITDA
€305k▲
2024 · €252k
Cash flow
€234k▲
2024 · €200k
Current ratio
0.99▲
2024 · 0.95
Debt to equity
64.04▲
2024 · 56.41
ROA
85.9%▲
2024 · 82.8%
Interest coverage
654.25▲
2024 · 565.22
Debt ≤ 1 year
€254k▲
2024 · €223k
Income taxes
€71k▲
2024 · €58k
A ratio outside any meaningful range has been withheld (balance sheet total €260k, equity €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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€230k€260k▲
Fixed assets21/28€17k€8k▼
Tangible fixed assets22/27€17k€8k▼
Furniture and vehicles24€17k€8k▼
Current assets29/58€212k€252k▲
Amounts receivable within one year40/41€16k€9k▼
Trade receivables40€5k€2k▼
Other amounts receivable41€11k€7k▼
Cash at bank and in hand54/58€194k€240k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€230k€260k▲
Equity10/15€4k€4k=
Contributions10/11€4k€4k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€226k€256k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€223k€254k▲
Current portion of amounts payable after more than one year42€7k€0▼
Financial debts43€595€112▼
Credit institutions430/8€595€112▼
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€19k€26k▲
Taxes450/3€16k€26k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€190k€223k▲
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Non-recurring operating income76A€200€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€668€3k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€252k€308k▲
Operating profit (loss)9901€241k€294k▲
Financial income75/76B€7k€731▼
Recurring financial income75€7k€731▼
Financial charges65/66B€445€466▲
Recurring financial charges65€445€466▲
Profit (loss) for the period before taxes9903€248k€295k▲
Income taxes67/77€58k€71k▲
Profit (loss) for the period9904€190k€223k▲
Profit (loss) for the period to be appropriated9905€190k€223k▲
Appropriation of the result
Profit (loss) to be appropriated9906€190k€223k▲
Transfer from equity791/2€0-
Profit to be distributed694/7€190k€223k▲
Return on contributions (dividend)694€190k€223k▲
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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2020net €223k ▲17.5%
Operating result €294k, net result €223k, both a record.
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €200kEq €225k ▲102%
3 profitable years in a row build equity to €225k.
2021
06-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Equity above €100kEq €111k ▲209%
2 profitable years in a row build equity to €111k.
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lasne · 1 establishment unit since 2019
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.
Champ d'al Vau 141380 LasneGround area
959 m²
Building footprint
178 m²
Volume, LiDAR
907 m³
Parcel 25076A0472/00N000, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ELAMA
since 20192.296.379.186
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076A0472/00N000 | Wallonia | 959 m² | 1 · 178 m² | 7.5 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.
Similar companies · same sector, comparable size
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VADIL
BE 0742.719.496
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Etienne Fumagalli
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David ZYGAS
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 2,656 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
Founded28-11-2019
Fiscal year end30-06
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.