L'ENTRAIDE PAR LE TRAVAIL DE NAMUR
ActiveL'ENTRAIDE PAR LE TRAVAIL DE NAMUR has been active since 1966 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.87M and a net result of €-301k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 46% of 384 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-10
Solvency79▼-2
Growth47▼-1
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €410k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.31 in 2024; short-term debt: 30.5% and cash: 23.4% of total assets), and 46.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 88
Relative position
BE, all sectors
reference
Sector 88
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
53.5%
Return on assets
-2%
Age of the figures
9 mo
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 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
31 d early
2023
41 d early
2022
32 d early
2021
51 d early
2020
33 d early
2019
34 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€4.20M▼ 3.4%
2024 · €4.34M
2018: €3.87M
2019: €3.99M
2020: €3.56M
2021: €3.77M
2022: €4.30M
2023: €4.57M
2024: €4.34M
2018 → 2025
EBIT margin
-7.1%▼ 4.9pp
2024 · -2.2%
2018: -2.3%
2019: -0.3%
2020: 3.6%
2021: -8.7%
2022: -6.0%
2023: 9.9%
2024: -2.2%
2018 → 2025
Net result
€-301k▼ 321%
2024 · €-72k
2018: €67k
2019: €1.94M
2020: €150k
2021: €-342k
2022: €-275k
2023: €431k
2024: €-72k
2018 → 2025
Working capital
€1.01M▼ 14.1%
2024 · €1.17M
2018: €1.60M
2019: €4.21M
2020: €3.32M
2021: €799k
2022: €505k
2023: €1.11M
2024: €1.17M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€3.77M-€4.30M▲ 14.1%€4.57M▲ 6.4%€4.34M▼ 4.9%€4.20M▼ 3.4%
Equity€8.30M-€7.98M▼ 3.8%€8.31M▲ 4.2%€8.20M▼ 1.3%€7.87M▼ 4.1%
Operating result€-329k-€-257k▲ 21.7%€454k€-97k€-300k▼ 211%
Net result€-342k-€-275k▲ 19.6%€431k€-72k€-301k▼ 321%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €300k in 2025 against €97k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.69M
Fixed assets
€9.20M▼ 5.1%
Current assets
€5.50M▲ 11.3%
Equity and liabilities €14.69M
Equity
€7.87M▼ 4.1%
Provisions
€26k▼ 44.1%
Debt
€6.80M▲ 6.7%
The debt ratio rises from 43.6% to 46.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€284k▼
2024 · €494k
Cash flow
€283k▼
2024 · €519k
Solvency
53.5%▼
2024 · 56.1%
Current ratio
1.23▼
2024 · 1.31
Quick ratio
1.18▼
2024 · 1.24
Debt / equity
0.86▲
2024 · 0.78
ROE
-3.8%▼
2024 · -0.9%
ROA
-2.0%▼
2024 · -0.5%
Interest coverage
5.58▼
2024 · 8.48
Debt
€6.80M▲
2024 · €6.38M
Debt ≤ 1 year
€4.49M▲
2024 · €3.76M
Debt > 1 year
€2.31M▼
2024 · €2.61M
Income taxes
€15k▲
2024 · €15k
Staff costs
€7.46M▲
2024 · €7.35M
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€14.63M€14.69M▲
Fixed assets21/28€9.69M€9.20M▼
Tangible fixed assets22/27€9.58M€9.15M▼
Land and buildings22€8.88M€8.50M▼
Plant, machinery and equipment23€618k€587k▼
Furniture and vehicles24€45k€50k▲
Leasing and similar rights25€24k€18k▼
Assets under construction and advance payments27€7k€0▼
Financial fixed assets28€116k€44k▼
Other financial fixed assets284/8€116k€44k▼
Amounts receivable and cash guarantees285/8€116k€44k▼
Current assets29/58€4.94M€5.50M▲
Stocks and contracts in progress3€263k€207k▼
Stocks30/36€263k€207k▼
Raw materials and consumables30/31€263k€207k▼
Amounts receivable within one year40/41€767k€711k▼
Trade receivables40€592k€650k▲
Other amounts receivable41€175k€62k▼
Current investments50/53€1.11M€1.11M▲
Cash at bank and in hand54/58€2.77M€3.44M▲
Deferred charges and accrued income490/1€24k€24k▲
Equity and liabilities
Total equity and liabilities10/49€14.63M€14.69M▲
Equity10/15€8.20M€7.87M▼
Contributions10/11€60k€60k=
Capital10€60k€60k=
Reserves13€4.59M€4.59M=
Profit (loss) carried forward14€3.27M€2.97M▼
Investment grants15€278k€241k▼
Provisions and deferred taxes16€47k€26k▼
Provisions for liabilities and charges160/5€47k€26k▼
Taxes161-€0
Other liabilities and charges164/5€47k€26k▼
Amounts payable17/49€6.38M€6.80M▲
Amounts payable after more than one year17€2.61M€2.31M▼
Financial debts170/4€2.61M€2.31M▼
Leasing and similar obligations172€20k€14k▼
Credit institutions173€2.36M€2.11M▼
Other loans174€231k€189k▼
Amounts payable within one year42/48€3.76M€4.49M▲
Current portion of amounts payable after more than one year42€302k€306k▲
Trade debts44€151k€137k▼
Suppliers440/4€151k€137k▼
Taxes, remuneration and social security45€1.22M€1.22M▼
Taxes450/3€195k€168k▼
Remuneration and social security454/9€1.02M€1.05M▲
Accrued charges and deferred income492/3€8k€5k▼
Income statement
Code20242025
Operating income70/76A€9.48M€9.39M▼
Turnover70€4.34M€4.20M▼
Other operating income74€101k€142k▲
Non-recurring operating income76A€97k€104k▲
Operating charges60/66A€9.58M€9.69M▲
Goods for resale, raw materials and consumables60€809k€855k▲
Purchases600/8€908k€787k▼
Change in stocks: decrease (increase)609€-99k€68k▲
Services and other goods61€758k€769k▲
Remuneration, social security and pensions62€7.35M€7.46M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€590k€584k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€43k€-10k▼
Other operating charges640/8€30k€46k▲
Non-recurring operating charges66A€5k€5k▲
Operating profit (loss)9901€-97k€-300k▼
Financial income75/76B€101k€68k▼
Recurring financial income75€101k€68k▼
Other financial income752/9€101k€68k▼
Financial charges65/66B€61k€54k▼
Recurring financial charges65€61k€54k▼
Debt charges650€58k€51k▼
Other financial charges652/9€2k€3k▲
Profit (loss) for the period before taxes9903€-56k€-286k▼
Income taxes67/77€15k€15k▲
Taxes670/3€15k€15k▲
Profit (loss) for the period9904€-72k€-301k▼
Profit (loss) for the period to be appropriated9905€-72k€-301k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.27M€2.97M▼
Profit (loss) brought forward from the previous period14P€3.34M€3.27M▼
Social balance
Average headcount (FTE)9087234.0233.7▼
The notes to these accounts (100 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €431k
Net result €431k after 2 loss-making years.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-342k ▼328%
Net result drops to €-342k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 34 days late
2019
31-12
Financial
Highest result since 2018net €1.94M ▲2814%
Net result €1.94M, the highest in the series.
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
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.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
07-04-2025
HAWOTTE Lucienne: Resigned as Director
12-12-2024
PESESSE Marcel: Resigned as Director
12-04-2023
HUYGHEBAERT Vincent: Resigned as Director
12-04-2023
WATHELET Christine: Resigned as Director
06-04-2022
Paul d'Otreppe: Resigned as Director
13-10-2021
Imane Bensalah: Resigned as Director
12-06-2019
Anne AVAUX: Resigned as Director
12-06-2019
ETIENNE Frédéric: Resigned as Director
12-06-2019
Etienne Leon: Resigned as Director
14-05-2019
COTE André: Resigned as Director
14-05-2019
NIHOUL Jean-Claude: Resigned as Director
02-08-2017
Fabry Pierre: Resigned as Director
02-08-2017
MATHIEUX Delphine: Resigned as Director
05-02-2015
MARCHAL-DEMANET, Brigitte: Resigned as Director
Location & real-estate footprint
Registered office, Fernelmont · 1 establishment unit since 2006
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 du Tronquoy, ZI, Nov. 105380 Fernelmont1 establishment unit
L'ENTRAIDE PAR LE TRAVAIL DE NAMUR
since 20062.153.569.848
Statutory auditor
2 auditors| CHAINIAUX Statutory auditor | - → 05-02-2015 |
Show 1 earlier auditors
| Emond Statutory auditor | - → 14-11-2011 |
Recognitions · licences · registrations
Recognised contractor
22 categoriesL'ENTRAIDE PAR LE TRAVAIL DE NAMUR ASBL38435
Food safety, FASFC
1 siteFernelmont2.153.569.848
Legal Entity Identifier
984500EEA786F5BXB446
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Of 284 companies in sector 88993 we hold annual accounts for 246. 189 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded31-05-1966
Fiscal year end31-12
Abbreviation FR
EntrAnam
Activities, NACEBEL
85322
85323
88993Social work activities without accommodation
88999Other social work without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.