EDIFIC
ActiveSummary
EDIFIC has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €277k and a net result of €-102k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 83% of 2179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-44
Solvency98▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 3.6 against 3.18 in 2024; short-term debt: 27% and cash: 65.8% of total assets), and 27.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
4 d early
2021
3 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€277k▼ 29.2%
2024 · €391k
2018: €147k
2019: €157k
2020: €169k
2021: €156k
2022: €199k
2023: €385k
2024: €391k
2018 → 2025
Total assets
€380k▼ 32.9%
2024 · €566k
2018: €292k
2019: €212k
2020: €239k
2021: €167k
2022: €345k
2023: €612k
2024: €566k
2018 → 2025
Net result
€-102k
2024 · €15k
2018: €151k
2019: €10k
2020: €12k
2021: €-13k
2022: €102k
2023: €311k
2024: €15k
2018 → 2025
Working capital
€267k▼ 29.9%
2024 · €381k
2018: €145k
2019: €155k
2020: €167k
2021: €154k
2022: €197k
2023: €375k
2024: €381k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€199k▲ 28.1%€385k▲ 93.3%€391k▲ 1.5%€277k▼ 29.2%
Operating result€-11k-€169k€516k▲ 205%€52k▼ 89.9%€-87k
Net result€-13k-€102k€311k▲ 204%€15k▼ 95.0%€-102k
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 turns negative in 2025: a loss of €87k after €52k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €380k
Fixed assets
€10k ▼ 2.2%
Current assets
€370k ▼ 33.4%
Equity and liabilities €380k
Equity
€277k ▼ 29.2%
Debt
€103k ▼ 41.2%
Debt's share of the balance-sheet total falls from 30.9% to 27.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-87k▼
2024 · €52k
Cash flow
€-102k▼
2024 · €16k
Current ratio
3.60▲
2024 · 3.18
Debt to equity
0.37▼
2024 · 0.45
ROE
-36.8%▼
2024 · 3.9%
ROA
-26.8%▼
2024 · 2.7%
Interest coverage
-5.58▼
2024 · 2.61
Debt ≤ 1 year
€103k▼
2024 · €175k
Income taxes
€407▼
2024 · €19k
Staff costs
€2k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€566k€380k▼
Fixed assets21/28€10k€10k▼
Tangible fixed assets22/27€9k€9k▼
Plant, machinery and equipment23€555€328▼
Furniture and vehicles24€9k€9k=
Financial fixed assets28€1k€1k=
Current assets29/58€556k€370k▼
Amounts receivable within one year40/41€225k€119k▼
Trade receivables40€142k€116k▼
Other amounts receivable41€82k€3k▼
Cash at bank and in hand54/58€330k€250k▼
Deferred charges and accrued income490/1€661€744▲
Equity and liabilities
Total equity and liabilities10/49€566k€380k▼
Equity10/15€391k€277k▼
Contributions10/11€19k€19k=
Reserves13€373k€359k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€371k€357k▼
Profit (loss) carried forward14-€-100k
Amounts payable17/49€175k€103k▼
Amounts payable within one year42/48€175k€103k▼
Financial debts43-€20
Credit institutions430/8-€20
Trade debts44€3k€46k▲
Suppliers440/4€3k€46k▲
Taxes, remuneration and social security45€27k€9k▼
Taxes450/3€27k€9k▼
Other amounts payable47/48€145k€48k▼
Accrued charges and deferred income492/3-€112
Income statement
Code20242025
Remuneration, social security and pensions62-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€227€227=
Other operating charges640/8€1k€1k▼
Gross operating margin9900€54k€-84k▼
Operating profit (loss)9901€52k€-87k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€20k€16k▼
Recurring financial charges65€20k€16k▼
Profit (loss) for the period before taxes9903€34k€-102k▼
Income taxes67/77€19k€407▼
Profit (loss) for the period9904€15k€-102k▼
Profit (loss) for the period to be appropriated9905€15k€-102k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€-102k▼
Transfer from equity791/2€10k€14k▲
Transfer to equity691/2€15k€0▼
To other reserves6921€15k€0▼
Profit to be distributed694/7€10k€12k▲
Return on contributions (dividend)694€10k€12k▲
Social balance
Average headcount (FTE)9087-0.0
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €-102k
Net result drops to €-102k, the lowest in the series.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €311k ▲204%
Operating result €516k, net result €311k, both a record.
30-09
Financial
Equity above €200kEq €385k ▲93.3%
2 profitable years in a row build equity to €385k.
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €102k
Net result €102k after one loss-making year.
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity quadruplescurrent ratio 14.61
Current ratio from 3.38 to 14.61; short-term debt falls from €70k to €11k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
30-09
Financial
Equity above €150kEq €157k ▲6.5%
2 profitable years in a row build equity to €157k.
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Gent · 1 establishment unit since 2002
Ground area
1,619 m²
Building footprint
1,590 m²
Volume, LiDAR
9,034 m³
Parcel 44807G0728/02L013, Flanders · tallest building 18.6 m, ±1 floor. Linked by address, not a title deed.
130
companies at this address
See who is registered here
1 establishment unit
Oktrooiplein 1, 9000 Gent
since 20022.101.513.413
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44807G0728/02L013 | Flanders | 1,619 m² | 1 · 1,590 m² | 18.6 m · 1 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.
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Collard & Lambert
BE 0534.819.297
Watermaal-Bosvoorde · Eq €276,904
DREWEX
BE 0861.355.842
Sint-Pieters-Woluwe · Eq €277,258
ALTERBOIS
BE 0778.350.665
Léglise · Eq €277,318
Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 11,222 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
Founded07-12-2001
Fiscal year end30-09
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.