Financials
Financial year 2025
ETUDE ET REALISATION DE TRAVAUX EN BATIMENTS from Waterloo, company number BE0441866276, closed financial year 2025 with a result of € -769 after tax. For that financial year ETUDE ET REALISATION DE TRAVAUX EN BATIMENTS recorded a gross margin of € 74,953 and equity of € 87,156. Compared with financial year 2024, the result moved from € 31,388 to € -769. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on October 12, 2026.
€ 87,156
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -769
▼ still € 31,388 profit in 2024
Profit after tax over the fiscal year.
€ 23,017
▼ 64% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 68,556.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 74,101
▲ 27% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 5,550
▲ 59% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1,591
▲ 122% vs 2024
Loans from banks and other lenders, long and short.
€ 42,205
▲ € 35,076 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 21,524
▼ 4% vs 2024
Taxes, VAT and social contributions still to pay.
| 2021 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 65,572 | € 88,629 | € 103,158 | € 74,953 | ▼ 27% |
| Profit after taxes | € 7,119 | € 29,129 | € 31,388 | € -769 | ▼ € 32,157 |
| Equity | € 26,545 | € 56,537 | € 87,925 | € 87,156 | ▼ 1% |
| Total debts | € 30,104 | € 33,774 | € 44,359 | € 94,172 | ▲ 112% |
| Cash | € 1,301 | € 34,294 | € 63,388 | € 23,017 | ▼ 64% |
| Retained profit | € 7,945 | € 37,937 | € 69,325 | € 68,556 | ▼ 1% |
| Bank debt | € 833 | € 788 | € 718 | € 1,591 | ▲ 122% |
| Balance sheet total | € 56,650 | € 90,310 | € 132,284 | € 181,327 | ▲ 37% |
Key figures of ETUDE ET REALISATION DE TRAVAUX EN BATIMENTS, fiscal years 2021 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to ETUDE ET REALISATION DE TRAVAUX EN BATIMENTS?
What happened at ETUDE ET REALISATION DE TRAVAUX EN BATIMENTS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 769 (▼ € 32,157 vs 2024). filed late Source: NBB ↗
- New establishment in Waterloo. KBO
- Start of the company according to the CBE. KBO
In short
From € 7,119 profit in 2021 to € 769 loss in 2025.
Paid € 25,401 in corporate taxes since 2021.
Best year ever: 2024, with € 31,388 profit.
Management
Behind ETUDE ET REALISATION DE TRAVAUX EN BATIMENTS is LUCIA DI FIORE.
Directors
According to the 2025 annual accounts
LUCIA DI FIORE
Manager
Establishments
Establishment units
Physical locations of this company
Rue de l'Infante 80
1410 Waterloo
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0441.866.276
- VAT number
- BE 0441.866.276
- Registered office
- Rue de l'Infante 80, 1410 Waterloo
- Names & denominations
- ETUDE ET REALISATION DE TRAVAUX EN BATIMENTS · E.R.T.B.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 October 1990
- Peppol
- Active · Active since 13 Apr 2025
- Activities · NACE
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