ESTATO
ActiveESTATO has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €-2k. Its solvency ranks better than 32% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes
Profitability0
Solvency40
Growth-
Stability67
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity ample (current ratio 12.32), but 90.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
9.7%
Return on assets
-0.9%
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 28-08-2026, 28 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 · 1 filingDeviation from the deadline
2025
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€28k
Total assets
€283k
Net result
€-2k
Working capital
€260k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €283k
Equity
€28k
Debt
€256k
Debt finances 90.3% of the balance-sheet total.
Key figures and ratios
Solvency
9.7%
Current ratio
12.32
Quick ratio
0.05
Debt / equity
9.29
ROE
-9.0%
ROA
-0.9%
Debt
€256k
Debt ≤ 1 year
€23k
Debt > 1 year
€233k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€283k
Current assets29/58€283k
Stocks and contracts in progress3€282k
Stocks30/36€282k
Amounts receivable within one year40/41€919
Other amounts receivable41€919
Cash at bank and in hand54/58€301
Equity and liabilities
Total equity and liabilities10/49€283k
Equity10/15€28k
Contributions10/11€30k
Profit (loss) carried forward14€-2k
Amounts payable17/49€256k
Amounts payable after more than one year17€233k
Financial debts170/4€233k
Amounts payable within one year42/48€23k
Other amounts payable47/48€23k
Income statement
Code2025
Other operating charges640/8€62
Gross operating margin9900€-2k
Operating profit (loss)9901€-2k
Financial charges65/66B€120
Recurring financial charges65€120
Profit (loss) for the period before taxes9903€-2k
Profit (loss) for the period9904€-2k
Profit (loss) for the period to be appropriated9905€-2k
Appropriation of the result
Profit (loss) to be appropriated9906€-2k
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
NBB filing
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, Sint-Katelijne-Waver · 1 establishment unit since 2024
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.
Schrans 102861 Sint-Katelijne-WaverGround area
3,444 m²
Parcel 12027A0402/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
ESTATO
since 20242.367.630.636
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12027A0402/00A000 | Flanders | 3,444 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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AR IMMO-SERVICE
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HORIZON CONSTRUCT
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SJV OTTER
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Of 9,633 companies in sector 68121 we hold annual accounts for 7,327. 4,385 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2024
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.