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ESQUIVE

Active
Private limited company·Activiteiten van verzekeringsagenten en -makelaars· 5 yrs active
Sur la Heid 35A ·4920 Aywaille, Belgium
KBO/BCE: BE 0757.692.239
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Age5 yrs
Real estate1 parcel · 1,582 m²

Summary

Conclusion

the dossier summarised in one paragraph

ESQUIVE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2022 annual accounts show equity of €24k and a net result of €-27k. The company has been active since 2020 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
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 14 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-06-2025, 45 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. 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
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 16-06-2025 45 d early 2025-00141460
31-12-2023 31-07-2024 15-06-2024 46 d early 2024-00135158
31-12-2022 31-07-2023 10-06-2023 51 d early 2023-00120202
31-12-2021 31-07-2022 02-07-2022 29 d early 2022-20131221

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 2020, 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

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€24k
Net result€-27k
Total assets€113k
Solvency21.1%

Annual accounts & ratios

Source: NBB · 2022
Annual accounts filed on 16-06-2025 with the NBB · fiscal year 2024 · micro
Fiscal year2022
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€-27k
Cash flown/a
Staff costs-
Income taxes€101
Dividends-
Total assets€113k
Equity€24k
Debt€90k
of which ≤ 1y€6k
of which > 1y€83k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2022
Current ration/a
Quick ration/a
Working capital ration/a
Solvency21.1%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-23.5%
ROE-111.5%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€113k
Fixed assets 21/28€112k
Formation expenses 20€1k
Tangible fixed assets 22/27€112k
Current assets 29/58€0
Amounts receivable within one year 40/41€0
Cash & bank 54/58€0
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€113k
Equity 10/15€24k
Contributions / capital 10/11€20k
Reserves 13€31k
Accumulated profits (losses) 14€-27k
Amounts payable 17/49€90k
Amounts payable after one year 17€83k
Amounts payable within one year 42/48€6k
Trade debts payable within one year 44€243
Income statement
Gross operating margin 9900€-17k
Operating result 9901€-25k
Financial charges 65€2k
Result before taxes 9903€-27k
Income taxes 67/77€101
Net result for the period 9904€-27k
Result to be appropriated 9905€-27k
Ratios computed by Checked.

Health barometer

FY 2022 · computed
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.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Sur la Heid 35A4920 Aywaille

Establishment units

1 location
Esquive
Sur la Heid 35A, 4920 AywailleActiviteiten van risicoanalisten en schadetaxateurs
since 20202.309.290.777
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,582 m²
Buildings1
Building footprint108 m²

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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62098H0959/00Y002 Wallonia 1,582 m² 1 · 108 m² -
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

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 1 year ago
2024
29-08-2024 Discharge granted to the board Director changes

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability0Solvency16Growth-Stability79
32 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 0
Solvency 16
Growth -
Stability 79

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Credit advice

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

Similar

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Comparable size, same sector
We hold annual accounts for 477 of the 4,658 companies in this sector. 345 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220Risicoanalisten en schadetaxateurs66210Activiteiten van risicoanalisten en schadetaxateurs66210Overige ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen66290Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg66290Activiteiten 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 nameFR ESQUIVE
Registered office
Sur la Heid 35A
4920 Aywaille, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.