ESPERANCE
ActiveESPERANCE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €577k and a net result of €28k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 40% of 460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability24▼-6
Solvency50▲+7
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.37 against 0.4 in 2024), and 60.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 87
Relative position
BE, all sectors
reference
Sector 87
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
39.4%
Return on assets
1.9%
Age of the figures
8 mo
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
23 d late
2022
59 d late
2021
141 d late
2020
90 d late
2019
144 d late
← 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€28k▼ 14.0%
2024 · €33k
2018: €83k
2019: €12k
2020: €116k
2021: €152k
2022: €-1k
2023: €31k
2024: €33k
2018 → 2025
Working capital
€-381k▲ 12.3%
2024 · €-435k
2018: €-468k
2019: €-503k
2020: €-503k
2021: €-448k
2022: €-474k
2023: €-475k
2024: €-435k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€487k-€486k▼ 0.3%€516k▲ 6.3%€549k▲ 6.4%€577k▲ 5.2%
Operating result€179k-€29k▼ 83.8%€58k▲ 97.8%€59k▲ 3.1%€60k▲ 1.0%
Net result€152k-€-1k€31k€33k▲ 7.2%€28k▼ 14.0%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.47M
Fixed assets
€1.24M▼ 5.3%
Current assets
€227k▼ 20.8%
Equity and liabilities €1.47M
Equity
€577k▲ 5.2%
Debt
€888k▼ 15.0%
The debt ratio falls from 65.6% to 60.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€175k▲
2024 · €160k
Cash flow
€144k▲
2024 · €134k
Solvency
39.4%▲
2024 · 34.4%
Current ratio
0.37▼
2024 · 0.40
Quick ratio
0.37▼
2024 · 0.40
Debt / equity
1.54▼
2024 · 1.90
ROE
4.9%▼
2024 · 6.0%
ROA
1.9%▼
2024 · 2.1%
Interest coverage
10.43▼
2024 · 11.67
Debt
€888k▼
2024 · €1.05M
Debt ≤ 1 year
€608k▼
2024 · €721k
Debt > 1 year
€280k▼
2024 · €324k
Income taxes
€15k▼
2024 · €17k
Staff costs
€1.38M▲
2024 · €1.35M
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€1.59M€1.47M▼
Fixed assets21/28€1.31M€1.24M▼
Tangible fixed assets22/27€1.31M€1.24M▼
Land and buildings22€1.22M€1.16M▼
Plant, machinery and equipment23€29k€39k▲
Furniture and vehicles24€57k€41k▼
Financial fixed assets28€3k€3k=
Current assets29/58€286k€227k▼
Amounts receivable within one year40/41€266k€225k▼
Trade receivables40€263k€220k▼
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€16k€595▼
Deferred charges and accrued income490/1€5k€826▼
Equity and liabilities
Total equity and liabilities10/49€1.59M€1.47M▼
Equity10/15€549k€577k▲
Contributions10/11€341k€341k=
Revaluation surpluses12€127k€115k▼
Profit (loss) carried forward14€82k€122k▲
Amounts payable17/49€1.05M€888k▼
Amounts payable after more than one year17€324k€280k▼
Financial debts170/4€324k€280k▼
Amounts payable within one year42/48€721k€608k▼
Current portion of amounts payable after more than one year42€164k€170k▲
Financial debts43€18k€34k▲
Credit institutions430/8€18k€34k▲
Trade debts44€189k€54k▼
Suppliers440/4€189k€54k▼
Taxes, remuneration and social security45€257k€265k▲
Taxes450/3€33k€15k▼
Remuneration and social security454/9€224k€250k▲
Other amounts payable47/48€93k€84k▼
Income statement
Code20242025
Remuneration, social security and pensions62€1.35M€1.38M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€101k€115k▲
Other operating charges640/8€16k€17k▲
Non-recurring operating charges66A€5k-
Gross operating margin9900€1.53M€1.57M▲
Operating profit (loss)9901€59k€60k▲
Financial income75/76B€4k€86▼
Recurring financial income75€4k€86▼
Financial charges65/66B€14k€17k▲
Recurring financial charges65€14k€17k▲
Profit (loss) for the period before taxes9903€50k€43k▼
Income taxes67/77€17k€15k▼
Profit (loss) for the period9904€33k€28k▼
Transfer from tax-exempt reserves789€12k€12k=
Profit (loss) for the period to be appropriated9905€44k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€122k▲
Profit (loss) brought forward from the previous period14P€37k€82k▲
The notes to these accounts (13 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 · abbreviated schema · 31 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 23 days late
2023
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
31-12
Financial
Equity above €500kEq €516k ▲6.3%
Equity rises from €486k to €516k.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €-1k ▼101%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
19-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 141 days late
2021
31-12
Financial
Highest result since 2018net €152k ▲31.2%
Operating result €179k, net result €152k, both a record.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 90 days late
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 144 days late
2019
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 16 days late
2018
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 66 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Seneffe · 1 establishment unit since 2000
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.
Rue des Carrières 547181 SeneffeGround area
3,387 m²
Building footprint
588 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
RESIDENCE D'ARQUENNES
since 20002.093.781.919
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52003B0696/00N003 | Wallonia | 1,996 m² | 1 · 413 m² | - |
| 52003B0696/00F003 | Wallonia | 1,392 m² | 1 · 175 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
CARE VIE
BE 0757.694.516
Sprimont · Eq €580k
SENIORIES FLORADANT
BE 0437.171.080
Libramont-Chevigny · Eq €583k
Accueil 3eme Age
BE 0426.172.369
Schaarbeek · Eq €585k
BEL EDEN
BE 0434.262.268
Wavre · Eq €566k
Anima Cura
BE 0480.262.143
Mechelen · Eq €600k
Of 599 companies in sector 87301 we hold annual accounts for 492. 350 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-1999
Fiscal year end31-12
Activities, NACEBEL
85315
87301Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.