Skip to content
Checked.be
Complete company report
Generated 10-08-2026
Active BE 0864.915.049Public limited company

ELTOM

Op de Puin 54 ·3620 Lanaken, Belgium· 22 yrs active
Sector: Real estate activities (68110)
Conclusion Checked

The computed 12-month bankruptcy probability of ELTOM is 0.2% (very low). The 2025 annual accounts show equity of €2.56M and a net result of €123k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 69% of 528 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €2.56M
Net result €123k
Better than sector 69%
Active 22 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health79Profitability24Solvency66Growth78Stability100
69 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 79
Profitability 24
Solvency 66
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 2004, 22 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 Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
79 / 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.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 29-01-2026 with the NBB · fiscal year 2025 · verkort
€-200k€0€200k€400kOperating result 2021: €488k€488kNet result 2021: €-51k€-51kOperating result 2022: €353k€353kNet result 2022: €182k€182kOperating result 2023: €-96k€-96kNet result 2023: €-121k€-121kOperating result 2024: €-107k€-107kNet result 2024: €-89k€-89kOperating result 2025: €61k€61kNet result 2025: €123k€123k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable Equity: stable across 7 fiscal years (±1.1%/year).
€2.00M€2.50M€3.00M2026: €2.70M (€2.49M - €2.91M)2027: €2.73M (€2.40M - €3.06M)2028: €2.76M (€2.30M - €3.22M)2019: €2.43M2020: €2.19M2021: €2.67M2022: €2.85M2023: €2.73M2024: €2.64M2025: €2.56M2019202020212022202320242025202620272028
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 2025 · NACE 68, Real estate activities · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 40.5% 16.2%
better than 69% of 528 sector peers
Net result €123k €6k
better than 80% of 528 sector peers
Equity €2.56M €152k
better than 87% of 528 sector peers
Gross operating margin €222k €78k
better than 70% of 527 sector peers
Employees (FTE) 0.0 0.0
better than 32% of 167 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€206k
+245.7% 19-25
Net profit
€123k
- 19-25
Cash flow
€268k
+243.5% 19-25
Total assets
€6.32M
-11.3% 19-25
Equity
€2.56M
-3.1% 19-25
Working capital
€394k
+3104.4% 19-25
Employees (FTE)
0
- 19-25
Income taxes
€3k
- 19-25
Debt
€3.73M
-15.5% 19-25
Debt ≤ 1y
€2.73M
-19.9% 19-25
Debt > 1y
€1.00M
0.0% 19-25
Current ratio
1.14
+14.0% 19-25
Quick ratio
1.02
+12.8% 19-25
Solvency
40.5%
+9.2% 19-25
Debt / equity
1.46
-12.7% 19-25
ROE
4.8%
- 19-25
ROA
1.9%
- 19-25
Interest coverage
25.69
+595.1% 19-25
Figures by fiscal year
Fiscal year2025
Depositverkort
Revenue-
EBITDA€206k
Net profit€123k
Cash flow€268k
Staff costs-
Income taxes€3k
Dividends-
Total assets€6.32M
Equity€2.56M
Debt€3.73M
of which ≤ 1y€2.73M
of which > 1y€1.00M
Working capital€394k
Employees (FTE)0.0
Ratios (computed)
2025
Current ratio1.14
Quick ratio1.02
Working capital ratio6.2%
Solvency40.5%
Debt / equity1.46
Long-term debt ratio0.39
Interest coverage25.69
Gross margin-
Net margin-
ROA1.9%
ROE4.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€6.32M
Fixed assets 21/28€3.19M
Tangible fixed assets 22/27€3.14M
Financial fixed assets 28€50k
Current assets 29/58€3.12M
Stocks & contracts in progress 3€337k
Amounts receivable within one year 40/41€1.68M
Cash & bank 54/58€135k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€6.32M
Equity 10/15€2.56M
Contributions / capital 10/11€2.37M
Reserves 13€115k
Accumulated profits (losses) 14€67k
Provisions & deferred taxes 16€31k
Amounts payable 17/49€3.73M
Amounts payable after one year 17€1.00M
Amounts payable within one year 42/48€2.73M
Trade debts payable within one year 44€15k
Income statement
Gross operating margin 9900€222k
Operating result 9901€61k
Financial income 75€32k
Financial charges 65€8k
Result before taxes 9903€85k
Income taxes 67/77€3k
Net result for the period 9904€123k
Result to be appropriated 9905€245k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Real estate activities(68110)
Legal form Public limited company(014)
Incorporation23-04-2004
StatusActive
Postal code3620
Establishment units 1 location
ELTOM
Op de Puin 54, 3620 Lanakende handel in eigen onroerend goed : flatgebouwen en woningen niet voor bewoning bestemde gebouwen, grond
since 20042.136.794.291
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73042D1153/00E000 Flanders 5,763 m² 1 · 262 m² 8.6 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
29-01-2026
NBB filing Annual accounts filed
fiscal year 2025 · verkort
2025
31-01-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2023
20-12-2023
NBB filing Annual accounts filed
fiscal year 2023 · verkort
31-01-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
04-05-2022
State Gazette act Registered-office change
31-01-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
15-01-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
28-01-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2018
21-12-2018
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2017
18-12-2017
NBB filing Annual accounts filed
fiscal year 2017 · verkort
13-01-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
Belgisch Staatsblad, acts 1 acts
Address history · 1
04-05-2022
Registered-office move
All acts · 1 updated 4 years ago
2022
04-05-2022 Registered office moved within Lanaken Registered-office change
  • Op de Puin 52, 3620 Lanaken → Op de Puin 54, 3620 Lanaken
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Op de Puin 54, 3620 Lanaken",
        "city": "Lanaken",
        "region": "vlaams_gewest",
        "street": "Op de Puin",
        "country": "BE",
        "postcode": "3620",
        "box_number": null,
        "street_number": "54",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Op de Puin 52, 3620 Lanaken",
        "city": "Lanaken",
        "region": "vlaams_gewest",
        "street": "Op de Puin",
        "country": "BE",
        "postcode": "3620",
        "box_number": null,
        "street_number": "52",
        "locality_suffix": null
      },
      "effective_date": null,
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "act_body",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2022-04-26",
    "act_kind_objet": "Zetelverplaatsing"
  },
  "decision": {
    "body": "raad_van_bestuur",
    "date": "2022-02-17",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0864.915.049",
    "name_full": null,
    "legal_form": "Naamloze vennootschap",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "COLSON Suzanne",
    "org_rep_person_name": null,
    "person_role_at_subject": "Gedelegeerd bestuurder"
  },
  "co_filed_documents": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Managementactiviteiten van holdings74151Holdings64200Activiteiten van holdings64210Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201
Primary activity highlighted.
Names & trade names
Legal nameNL ELTOM
Registered office
Op de Puin 54
3620 Lanaken, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same NACE
SILENROC BE 0444.790.332 · Anderlecht
ARCADE BE 0444.013.243 · Liège
KAVIN BE 0445.233.265 · Gent
Gemeentelijk autonoom bedrijf Hamme - Hamse investeringsmaatschappij BE 0265.753.274 · Hamme (Vl.)
BUSINESS ESTATES MANAGEMENT EXPLOITATION & CONSULTING BE 0414.233.550 · Brussel
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative