eSVee
ActiveSummary
eSVee is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of eSVee were filed more than 90 days after the deadline. The 2025 annual accounts show equity of €19k and a net result of €-59k. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 15% of 8023 sector peers (fiscal year 2025). The company has been active since 2012 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.
Filing: Filed more than 90 days late
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 15%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 15-07-2026, 257 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
257 d late
2024
135 d early
2023
21 d late
2022
10 d late
2021
27 d late
2020
44 d late
2019
42 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 78.0%
2024 · €87k
2019: €63k
2020: €49k
2021: €55k
2022: €75k
2023: €121k
2024: €87k
2019 → 2025
Net result
€-59k▼ 71.8%
2024 · €-34k
2019: €10k
2020: €-14k
2021: €7k
2022: €18k
2023: €46k
2024: €-34k
2019 → 2025
Total assets
€240k▼ 40.7%
2024 · €405k
2019: €71k
2020: €252k
2021: €251k
2022: €262k
2023: €470k
2024: €405k
2019 → 2025
Solvency
8.0%▼ 13.5pp
2024 · 21.4%
2019: 88.6%
2020: 19.6%
2021: 22.1%
2022: 28.6%
2023: 25.8%
2024: 21.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€75k▲ 35.6%€121k▲ 61.6%€87k▼ 28.3%€19k▼ 78.0%
Operating result€15k-€31k▲ 106%€70k▲ 128%€-17k€-47k▼ 170%
Net result€7k-€18k▲ 153%€46k▲ 151%€-34k€-59k▼ 71.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €47k in 2025 against €17k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€191k ▼ 50.1%
Current assets
€50k ▲ 113%
Equity and liabilities €240k
Equity
€19k ▼ 78.0%
Debt
€221k ▼ 30.6%
Debt's share of the balance-sheet total rises from 78.6% to 92.0%. Equity and debt are lower.
Key figures and ratios
ROE
-307.1%▼
2024 · -39.4%
ROA
-24.5%▼
2024 · -8.4%
Debt ≤ 1 year
€96k▲
2024 · €46k
Debt > 1 year
€119k▼
2024 · €271k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€405k€240k▼
Fixed assets21/28€382k€191k▼
Tangible fixed assets22/27€382k€191k▼
Land and buildings22€355k€180k▼
Plant, machinery and equipment23€16k€10k▼
Furniture and vehicles24€11k€0▼
Current assets29/58€23k€50k▲
Amounts receivable within one year40/41€17k€25k▲
Trade receivables40-€10k
Other amounts receivable41€17k€15k▼
Cash at bank and in hand54/58€7k€24k▲
Equity and liabilities
Total equity and liabilities10/49€405k€240k▼
Equity10/15€87k€19k▼
Reserves13€121k€112k▼
Distributable reserves133€121k€112k▼
Profit (loss) carried forward14€-34k€-93k▼
Amounts payable17/49€319k€221k▼
Amounts payable after more than one year17€271k€119k▼
Financial debts170/4€271k€119k▼
Amounts payable within one year42/48€46k€96k▲
Current portion of amounts payable after more than one year42€21k€15k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€263-
Taxes450/3€263-
Other amounts payable47/48€22k€79k▲
Accrued charges and deferred income492/3€2k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k▼
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€1k€2k▲
Gross operating margin9900€16k€-12k▼
Operating profit (loss)9901€-17k€-47k▼
Financial income75/76B-€112
Recurring financial income75-€112
Financial charges65/66B€9k€12k▲
Recurring financial charges65€9k€12k▲
Profit (loss) for the period before taxes9903€-27k€-59k▼
Income taxes67/77€8k-
Profit (loss) for the period9904€-34k€-59k▼
Profit (loss) for the period to be appropriated9905€-34k€-59k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-93k▼
Profit (loss) brought forward from the previous period14P€-115€-34k▼
The notes to these accounts (6 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 257 days late
2025
31-03
Financial
Weakest financial yearnet €-59k
Net result drops to €-59k, the lowest in the series.
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
21-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
31-03
Financial
Highest result since 2019net €46k ▲151%
Operating result €70k, net result €46k, both a record.
31-03
Financial
Equity above €100kEq €121k ▲61.6%
3 profitable years in a row build equity to €121k.
2022
10-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2021
27-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 27 days late
31-03
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
2020
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 44 days late
2019
12-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 42 days late
2018
22-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2016
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Merelbeke-Melle · 1 establishment unit since 2012
Ground area
698 m²
Building footprint
136 m²
Volume, LiDAR
771 m³
Parcel 44043A0245/00D002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
eSVee
since 20122.209.317.629
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44043A0245/00D002 | Flanders | 698 m² | 1 · 136 m² | 8.7 m · 2 fl. |
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.
Similar companies · same sector, comparable size
Meraas
BE 0760.873.938
Wijnegem · Eq €19,148
GOLDOR INVEST
BE 0659.796.077
Herent · Eq €19,154
MGG (Management Goossens Gomeer)
BE 1000.168.681
Hulshout · Eq €19,134
Themtis
BE 0536.341.110
Lummen · Eq €19,157
MMB Managment
BE 1013.670.784
Tubize · Eq €19,121
Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 7,277 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2012
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.