Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 16 % of short-term debt in 2026; threshold 65 %.
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Busy address KBO
48 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2026
ERGO EDUCO from Tournai, company number BE0550942974, closed financial year 2026 with a result of € 543 after tax. For that financial year ERGO EDUCO recorded a gross margin of € -2,205 and equity of € -97,277. Compared with financial year 2025, the result moved from € -7,846 to € 543. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2026.
€ -97,277
▲ € 543 vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 543
▲ still € 7,846 loss in 2025
Profit after tax over the fiscal year.
€ 18,929
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2026. Retained profit grew to € -115,877.
Debts at end 2026
None
No bank loans on the last day of the fiscal year.
€ 2,205
Supplier invoices still open on the last day of the fiscal year.
| 2023 | 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|---|
| Gross margin | € -18,371 | € -17,044 | € -2,894 | € -2,205 | ▲ € 689 |
| Profit after taxes | € -18,709 | € -22,305 | € -7,846 | € 543 | ▲ € 8,389 |
| Equity | € -67,669 | € -89,974 | € -97,820 | € -97,277 | ▲ € 543 |
| Total debts | € 121,757 | € 115,118 | € 114,000 | € 116,205 | ▲ 2% |
| Cash | € 5,312 | € 19,127 | € 18,874 | € 18,929 | |
| Retained profit | € -86,269 | € -108,574 | € -116,420 | € -115,877 | |
| Balance sheet total | € 54,088 | € 25,144 | € 19,180 | € 18,929 | ▼ 1% |
Key figures of ERGO EDUCO, fiscal years 2023 to 2026, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2027) expected before 30 January 2028.
What happened to ERGO EDUCO?
What happened at ERGO EDUCO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2026: profit of € 543. Source: NBB ↗
- Speechi Finance became a director. NBB
- New establishment in Tournai. KBO
- Start of the company according to the CBE. KBO
In short
From € 18,709 loss in 2023 to € 543 profit in 2026.
Best year ever: 2026, with € 543 profit.
Management
Behind ERGO EDUCO is Speechi Finance.
Directors
According to the 2026 annual accounts
Director · represented by Guth François
since 2026
Establishments
Establishment units
Physical locations of this company
Chaussée de Lille(TOU) 327 box 04
7500 Tournai
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 48 companies are registered at this address.
All companies at this address →LBV PARTNERS
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€ 74,137 gross margin · 2025
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€ 295,162 revenue · 2025
COMMERCIAL NORD
+43 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0550.942.974
- VAT number
- BE 0550.942.974
- Registered office
- Chaussée de Lille(TOU) 327 bus 04, 7500 Tournai
- Names & denominations
- ERGO EDUCO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 April 2014
- Peppol
- Active · Active since 13 Apr 2026
- Activities · NACE
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