Esme Management 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 €1.47M and a net result of €212k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 5498 sector peers (fiscal year 2025). The company has been active since 2017 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 advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
17 d early
2024
17 d early
2023
35 d early
2022
26 d early
2021
39 d early
2020
22 d early
2019
22 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.47M▲ 16.9%
2024 · €1.26M
2018: €158k
2019: €158k
2020: €158k
2021: €903k
2022: €940k
2023: €980k
2024: €1.26M
2018 → 2025
Net result
€212k▼ 23.3%
2024 · €277k
2018: €105k
2019: €92k
2020: €171k
2021: €147k
2022: €93k
2023: €179k
2024: €277k
2018 → 2025
Total assets
€1.50M▲ 16.6%
2024 · €1.29M
2018: €238k
2019: €302k
2020: €1.15M
2021: €1.09M
2022: €1.04M
2023: €1.16M
2024: €1.29M
2018 → 2025
Solvency
97.7%▲ 0.3pp
2024 · 97.5%
2018: 66.2%
2019: 52.3%
2020: 13.7%
2021: 82.7%
2022: 90.7%
2023: 84.2%
2024: 97.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€903k-€940k▲ 4.2%€980k▲ 4.3%€1.26M▲ 28.2%€1.47M▲ 16.9%
Operating result€201k-€129k▼ 36.1%€251k▲ 95.3%€272k▲ 8.4%€281k▲ 3.1%
Net result€147k-€93k▼ 37.1%€179k▲ 93.5%€277k▲ 54.5%€212k▼ 23.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.50M
Fixed assets
€916k▲ 6.9%
Current assets
€588k▲ 35.6%
Equity and liabilities €1.50M
Equity
€1.47M▲ 16.9%
Debt
€34k▲ 4.7%
The debt ratio falls from 2.5% to 2.3%. Equity and debt are higher.
Key figures and ratios
Solvency
97.7%▲
2024 · 97.5%
ROE
14.4%▼
2024 · 22.0%
ROA
14.1%▼
2024 · 21.5%
Debt
€34k▲
2024 · €33k
Debt ≤ 1 year
€34k▲
2024 · €33k
Income taxes
€73k▲
2024 · €67k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.29M€1.50M▲
Fixed assets21/28€856k€916k▲
Tangible fixed assets22/27€61k€121k▲
Furniture and vehicles24€61k€121k▲
Financial fixed assets28€795k€795k=
Current assets29/58€434k€588k▲
Amounts receivable within one year40/41€76k€133k▲
Trade receivables40€73k€133k▲
Other amounts receivable41€3k€184▼
Current investments50/53€320k€0▼
Cash at bank and in hand54/58€38k€453k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€1.29M€1.50M▲
Equity10/15€1.26M€1.47M▲
Contributions10/11€19k€19k=
Reserves13€1.07M€1.18M▲
Tax-exempt reserves132€109k€219k▲
Distributable reserves133€962k€962k=
Profit (loss) carried forward14€167k€270k▲
Amounts payable17/49€33k€34k▲
Amounts payable within one year42/48€33k€34k▲
Trade debts44€5k€620▼
Suppliers440/4€5k€620▼
Taxes, remuneration and social security45€28k€34k▲
Taxes450/3€28k€34k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Non-recurring operating income76A€12k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€18k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€291k€302k▲
Operating profit (loss)9901€272k€281k▲
Financial income75/76B€72k€4k▼
Recurring financial income75€72k€4k▼
Financial charges65/66B€131€0▼
Recurring financial charges65€131€0▼
Profit (loss) for the period before taxes9903€344k€285k▼
Income taxes67/77€67k€73k▲
Profit (loss) for the period9904€277k€212k▼
Transfer to tax-exempt reserves689€109k€109k=
Profit (loss) for the period to be appropriated9905€167k€103k▼
Appropriation of the result
Profit (loss) to be appropriated9906€167k€270k▲
Profit (loss) brought forward from the previous period14P-€167k
Transfer from equity791/2€0-
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (12 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
07-08
State Gazette act
Incorporation · Founder
Founding capital · Corporate purpose · Ruud Jansen
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €277k ▲54.5%
Net result €277k, the highest in the series.
31-12
Financial
Liquidity times 9current ratio 13.25
Current ratio from 1.55 to 13.25; short-term debt falls from €184k to €33k.
31-12
Financial
Equity above €1MEq €1.26M ▲28.2%
7 profitable years in a row build equity to €1.26M.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €903k ▲473%
4 profitable years in a row build equity to €903k.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €92k ▼12.5%
Net result drops to €92k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
Financial milestoneState Gazette actNBB 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, Hechtel-Eksel · 1 establishment unit since 2017
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.
Ruitersbaan 153940 Hechtel-EkselGround area
7,636 m²
Building footprint
139 m²
Parcel 72006F0413/00M005, Flanders. Linked by address, not a title deed.
1 establishment unit
Esme Management
since 20172.259.995.971
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72006F0413/00M005 | Flanders | 7,636 m² | 1 · 139 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 11,798 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.