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Envelman

Active
KBO/BCE: BE 0802.051.725
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Age3 yrs
Connections2
Real estate1 parcel · 622 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Envelman is 0.5% (very low). The 2024 annual accounts show equity of €45k and a net result of €40k. Its solvency ranks better than 66% of 12464 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 26-06-2025 35 d early 2025-00179444

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.5% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +

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

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€40k
Working capital€41k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 26-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 71.7% 60.6%
better than 66% of 12464 sector peers
Net result €40k €31k
better than 58% of 12466 sector peers
Equity €45k €63k
better than 40% of 12472 sector peers
Gross operating margin €51k €52k
better than 49% of 12452 sector peers
Total assets €62k €124k
better than 26% of 12465 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€50k
Net profit€40k
Cash flow€40k
Staff costs-
Income taxes€10k
Dividends-
Total assets€62k
Equity€45k
Debt€18k
of which ≤ 1y€18k
of which > 1y-
Working capital€41k
Employees (FTE)-
Ratios (computed)
2024
Current ratio3.33
Quick ratio3.33
Working capital ratio66.1%
Solvency71.7%
Debt / equity0.40
Long-term debt ratio-
Interest coverage282.83
Gross margin-
Net margin-
ROA63.7%
ROE88.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€62k
Fixed assets 21/28€3k
Tangible fixed assets 22/27€3k
Financial fixed assets 28€60
Current assets 29/58€59k
Amounts receivable within one year 40/41€12k
Cash & bank 54/58€47k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€62k
Equity 10/15€45k
Contributions / capital 10/11€5k
Reserves 13€30k
Accumulated profits (losses) 14€10k
Amounts payable 17/49€18k
Amounts payable within one year 42/48€18k
Trade debts payable within one year 44€880
Income statement
Gross operating margin 9900€51k
Operating result 9901€50k
Financial income 75€0
Financial charges 65€178
Result before taxes 9903€50k
Income taxes 67/77€10k
Net result for the period 9904€40k
Result to be appropriated 9905€40k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
93 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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

Structure & network

Connections & network

2 connected companies
Group structure
ENVELBAG
Subsidiary · 1 location
→
Network connections
COVADA
Shared director
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Locations & real estate

Establishment units

1 location
Envelman
Broekstraat(O) 108, 9290 BerlareHandelsbemiddeling in de niet-gespecialiseerde groothandel
since 20232.345.445.647
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area622 m²
Buildings1
Building footprint144 m²
Volume (LiDAR)804 m³
Tallest building8.2 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.
42017B0102/00F000 Flanders 622 m² 1 · 144 m² 8.2 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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health93Profitability100Solvency100Growth-Stability79
93 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93
Profitability 100
Solvency 100
Growth -
Stability 79

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AI due-diligence brief

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameNL Envelman
Registered office
Broekstraat(O) 108
9290 Berlare, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.