ESPEREN

Active

Private limited companyfounded 20233 yrs activeTulpenplein 15, 1070 Anderlecht, BelgiumKBO/BCE: BE 0795.967.350

ESPEREN has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €95k and a net result of €24k. Its solvency ranks better than 21% of 37968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).

Watch Print / PDF

Checked score

Score 2024

54 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability75▼-7

Solvency47▲+7

Growth52

Track record94

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity tight (current ratio 1.14 against 1.13 in 2023; short-term debt: 75.7% and cash: 3.2% of total assets), and 78.5% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2024

Solvency, return and age of the figures

Solvency

21.5%

Return on assets

5.4%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 37968 sector peers (2024).

NBB · sector comparison

Position among 37968 sector peers

Solvency

better than 21%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 2 filings

Deviation from the deadline

2025

not confirmed

2024

61 d late

2023

1 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€95k▲ 33.5%

2023 · €71k

2023: €71k

2023 → 2024

Total assets

€440k▼ 5.9%

2023 · €467k

2023: €467k

2023 → 2024

Net result

€24k▼ 53.3%

2023 · €51k

2023: €51k

2023 → 2024

Working capital

€45k▼ 8.4%

2023 · €50k

2023: €50k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€71k-€95k▲ 33.5%

Operating result€65k-€32k▼ 50.6%

Net result€51k-€24k▼ 53.3%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 51% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €440k

13.9%

86.1%

Fixed assets €61k▲ 26.3%

Current assets €378k▼ 9.6%

Equity and liabilities €440k

21.5%

78.5%

Equity €95k▲ 33.5%

Debt €345k▼ 12.9%

The debt ratio falls from 84.8% to 78.5%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€41k▼

2023 · €68k

Cash flow

€32k▼

2023 · €54k

Solvency

21.5%▲

2023 · 15.2%

Current ratio

1.14▲

2023 · 1.13

Quick ratio

0.11▼

2023 · 0.21

Debt / equity

3.65▼

2023 · 5.60

ROE

25.1%▼

2023 · 71.7%

ROA

5.4%▼

2023 · 10.9%

Interest coverage

53.69▼

2023 · 159.99

Debt

€345k▼

2023 · €396k

Debt ≤ 1 year

€333k▼

2023 · €369k

Income taxes

€8k▼

2023 · €14k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€467k€440k▼

Fixed assets21/28€48k€61k▲

Tangible fixed assets22/27€48k€61k▲

Land and buildings22€30k€27k▼

Furniture and vehicles24€7k€12k▲

Other tangible fixed assets26€11k€22k▲

Current assets29/58€419k€378k▼

Stocks and contracts in progress3€342k€340k▼

Stocks30/36€342k€340k▼

Amounts receivable within one year40/41€13k€14k▲

Trade receivables40€13k€14k▲

Cash at bank and in hand54/58€63k€14k▼

Deferred charges and accrued income490/1€47€10k▲

Equity and liabilities

Total equity and liabilities10/49€467k€440k▼

Equity10/15€71k€95k▲

Contributions10/11€20k€20k=

Profit (loss) carried forward14€51k€75k▲

Amounts payable17/49€396k€345k▼

Amounts payable within one year42/48€369k€333k▼

Trade debts44-€8k

Suppliers440/4-€8k

Taxes, remuneration and social security45€20k€13k▼

Taxes450/3€20k€13k▼

Other amounts payable47/48€349k€312k▼

Accrued charges and deferred income492/3€27k€12k▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€8k▲

Other operating charges640/8€8k€234▼

Gross operating margin9900€76k€41k▼

Operating profit (loss)9901€65k€32k▼

Financial income75/76B-€5

Recurring financial income75-€5

Financial charges65/66B€425€755▲

Recurring financial charges65€425€755▲

Profit (loss) for the period before taxes9903€65k€31k▼

Income taxes67/77€14k€8k▼

Profit (loss) for the period9904€51k€24k▼

Profit (loss) for the period to be appropriated9905€51k€24k▼

Appropriation of the result

Profit (loss) to be appropriated9906€51k€75k▲

Profit (loss) brought forward from the previous period14P-€51k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 3Gazette 1Filings 2

2026

31-07

State Gazette act General meeting · Director resignation

Director appointment

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

01-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 1 day late

State Gazette actNBB filing

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, Anderlecht · 1 establishment unit since 2023

establishment approximate The establishment unit on the map

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.

Tulpenplein 151070 Anderlecht

Ground area

3.5 ha

Parcel 21307F0207/00E000, Brussels. Linked by address, not a title deed.

1 establishment unit

ESPEREN

Tulpenplein 15, 1070 AnderlechtBusiness consulting

since 20232.347.275.185

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21307F0207/00E000	Brussels	3.5 ha	-	-

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.

Structure & network

Ownership & control

1 party

ESPERENBE 0795.967.350

controls

Where this company holds controlthis company sits on their board1

A. Fiducia

3 locations

Similar companies · same sector, comparable size

Nico Van Buitenen

BE 0537.247.168

Scherpenheuvel-Zichem · Eq €95k

Villers-le-Bouillet · Eq €95k

Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,509 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded10-01-2023

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

01110Growing of cereals (except rice), leguminous crops and oil seeds

01240Growing of pome and stone fruits

01700Crop and animal production, hunting and related service activities

02200Logging

68201Renting and operating of own or leased residential real estate, excluding social housing

68321Property management for co-owned buildings (syndics)

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.