Summary
ELPEBA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €172k and a net result of €122k. Equity is growing by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 21% of 8023 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
30 d late
2022
31 d early
2021
31 d late
2020
30 d late
2019
125 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, micro schema
Equity
€172k▼ 50.8%
2024 · €350k
2018: €39k
2019: €121k
2020: €157k
2021: €157k
2022: €191k
2023: €240k
2024: €350k
2018 → 2025
Net result
€122k▲ 11.8%
2024 · €109k
2018: €2k
2019: €76k
2020: €86k
2021: €108k
2022: €106k
2023: €84k
2024: €109k
2018 → 2025
Total assets
€1.04M▲ 16.2%
2024 · €898k
2018: €659k
2019: €671k
2020: €857k
2021: €1.13M
2022: €1.03M
2023: €922k
2024: €898k
2018 → 2025
Solvency
16.5%▼ 22.5pp
2024 · 39.0%
2018: 5.9%
2019: 18.0%
2020: 18.3%
2021: 13.9%
2022: 18.5%
2023: 26.1%
2024: 39.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€157k-€191k▲ 21.5%€240k▲ 25.9%€350k▲ 45.5%€172k▼ 50.8%
Operating result€147k-€153k▲ 4.0%€122k▼ 19.8%€155k▲ 26.9%€170k▲ 9.4%
Net result€108k-€106k▼ 1.6%€84k▼ 20.2%€109k▲ 29.6%€122k▲ 11.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€848k ▲ 9.2%
Current assets
€195k ▲ 61.7%
Equity and liabilities €1.04M
Equity
€172k ▼ 50.8%
Debt
€871k ▲ 59.0%
Debt's share of the balance-sheet total rises from 61.0% to 83.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
71.1%▲
2024 · 31.3%
ROA
11.7%▼
2024 · 12.2%
Debt ≤ 1 year
€637k▲
2024 · €210k
Debt > 1 year
€234k▼
2024 · €334k
Income taxes
€41k▲
2024 · €37k
Staff costs
€260k▲
2024 · €249k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€898k€1.04M▲
Fixed assets21/28€777k€848k▲
Tangible fixed assets22/27€777k€848k▲
Land and buildings22€702k€799k▲
Furniture and vehicles24€75k€50k▼
Current assets29/58€120k€195k▲
Amounts receivable within one year40/41€15k€138k▲
Trade receivables40€8k€126k▲
Other amounts receivable41€8k€11k▲
Cash at bank and in hand54/58€6k€32▼
Deferred charges and accrued income490/1€99k€57k▼
Equity and liabilities
Total equity and liabilities10/49€898k€1.04M▲
Equity10/15€350k€172k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€329k€151k▼
Amounts payable17/49€548k€871k▲
Amounts payable after more than one year17€334k€234k▼
Financial debts170/4€334k€234k▼
Amounts payable within one year42/48€210k€637k▲
Current portion of amounts payable after more than one year42€127k€177k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€29k€25k▼
Suppliers440/4€29k€25k▼
Taxes, remuneration and social security45€52k€53k▲
Taxes450/3€13k€13k▲
Remuneration and social security454/9€39k€40k▲
Other amounts payable47/48€2k€378k▲
Accrued charges and deferred income492/3€4k€232▼
Income statement
Code20242025
Remuneration, social security and pensions62€249k€260k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€65k▼
Other operating charges640/8€32k€4k▼
Non-recurring operating charges66A€673€287▼
Gross operating margin9900€507k€500k▼
Operating profit (loss)9901€155k€170k▲
Financial income75/76B€550€63▼
Recurring financial income75€550€13▼
Non-recurring financial income76B-€50
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€146k€163k▲
Income taxes67/77€37k€41k▲
Profit (loss) for the period9904€109k€122k▲
Profit (loss) for the period to be appropriated9905€109k€122k▲
Appropriation of the result
Profit (loss) to be appropriated9906€329k€451k▲
Profit (loss) brought forward from the previous period14P€220k€329k▲
Profit to be distributed694/7-€300k
Return on contributions (dividend)694-€300k
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €122k ▲11.8%
Operating result €170k, net result €122k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €200kEq €240k ▲25.9%
6 profitable years in a row build equity to €240k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Equity above €150kEq €157k ▲29.9%
3 profitable years in a row build equity to €157k.
28-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €121k ▲213%
2 profitable years in a row build equity to €121k.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Haacht · 1 establishment unit since 2016
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.
Stationsstraat 1283150 HaachtGround area
519 m²
Building footprint
107 m²
Parcel 24033D0254/00R000, Flanders. Linked by address, not a title deed.
1 establishment unit
Stationsstraat 128, 3150 Haacht
since 20162.255.123.009
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24033D0254/00R000 | Flanders | 519 m² | 1 · 107 m² | - |
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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 225 EUR awarded · 225 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 225 EUR | 225 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500F95D383AAD8439
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,423 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
Founded07-06-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.