EFA EXPRESS
ActiveSummary
The computed 12-month bankruptcy probability of EFA EXPRESS is 7.1% (elevated). The annual accounts of EFA EXPRESS for fiscal year 2025 show a net loss of 87% of total assets and of 92% of the equity at the start of that year. The 2025 annual accounts show equity of €5k and a net result of €-56k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 4603 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-97
Solvency32▼-63
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
7.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.26 against 2.91 in 2024; short-term debt: 28.9% and cash: 43.7% of total assets), but 92.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2025Solvency, return and age of the figures
Solvency
7.2%
Return on assets
-87.1%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 4603 sector peers (2025).
NBB · sector comparisonPosition among 4603 sector peers
Solvency
better than 20%
← weakest
strongest →
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 23-03-2026, 38 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
38 d early
2024
58 d early
2023
145 d early
2022
153 d early
← 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
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 92.4%
2024 · €61k
2022: €14k
2023: €42k
2024: €61k
2022 → 2025
Total assets
€65k▼ 25.4%
2024 · €87k
2022: €22k
2023: €62k
2024: €87k
2022 → 2025
Net result
€-56k
2024 · €19k
2022: €12k
2023: €28k
2024: €19k
2022 → 2025
Working capital
€24k▼ 52.0%
2024 · €49k
2022: €13k
2023: €27k
2024: €49k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€14k-€42k▲ 209%€61k▲ 46.1%€5k▼ 92.4%
Operating result€12k-€33k▲ 180%€29k▼ 10.5%€-42k
Net result€12k-€28k▲ 145%€19k▼ 31.8%€-56k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €42k after €29k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€22k ▲ 87.0%
Current assets
€42k ▼ 43.4%
Equity and liabilities €65k
Equity
€5k ▼ 92.4%
Debt
€60k ▲ 134%
Debt's share of the balance-sheet total rises from 29.6% to 92.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-38k▼
2024 · €34k
Cash flow
€-52k▼
2024 · €24k
Current ratio
2.26▼
2024 · 2.91
Debt to equity
12.92▲
2024 · 0.42
ROA
-87.1%▼
2024 · 22.2%
Interest coverage
-35.52▼
2024 · 103.00
Debt ≤ 1 year
€19k▼
2024 · €26k
Debt > 1 year
€41k
Income taxes
€13k▲
2024 · €10k
Staff costs
€124k▲
2024 · €100k
A ratio outside any meaningful range has been withheld (balance sheet total €65k, equity €5k).
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€87k€65k▼
Fixed assets21/28€12k€22k▲
Tangible fixed assets22/27€12k€22k▲
Furniture and vehicles24€12k€8k▼
Other tangible fixed assets26-€15k
Current assets29/58€75k€42k▼
Amounts receivable within one year40/41€56k€14k▼
Trade receivables40€35k€476▼
Other amounts receivable41€21k€13k▼
Cash at bank and in hand54/58€18k€28k▲
Equity and liabilities
Total equity and liabilities10/49€87k€65k▼
Equity10/15€61k€5k▼
Contributions10/11€2k€2k=
Capital10€2k€2k=
Issued capital100€2k€2k=
Profit (loss) carried forward14€59k€3k▼
Amounts payable17/49€26k€60k▲
Amounts payable after more than one year17-€41k
Financial debts170/4-€41k
Amounts payable within one year42/48€26k€19k▼
Current portion of amounts payable after more than one year42-€10k
Trade debts44€16k€3k▼
Suppliers440/4€16k€3k▼
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€9k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€100k€124k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€15k€11k▼
Gross operating margin9900€150k€98k▼
Operating profit (loss)9901€29k€-42k▼
Financial charges65/66B€330€1k▲
Recurring financial charges65€330€1k▲
Profit (loss) for the period before taxes9903€29k€-43k▼
Income taxes67/77€10k€13k▲
Profit (loss) for the period9904€19k€-56k▼
Profit (loss) for the period to be appropriated9905€19k€-56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€3k▼
Profit (loss) brought forward from the previous period14P€40k€59k▲
The notes to these accounts (5 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-56k ▼393%
Net result drops to €-56k, the lowest in the series.
03-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
07-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-09
Financial
Highest result since 2022net €28k ▲145%
Operating result €33k, net result €28k, both a record.
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Evere
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.
Kolonel Bourgstraat 127-1291140 EvereGround area
3,304 m²
Building footprint
1,528 m²
Volume, LiDAR
18,106 m³
Parcel 21372C0123/00R000, Brussels · tallest building 21.8 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372C0123/00R000 | Brussels | 3,304 m² | 1 · 1,528 m² | 21.8 m · 5 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.
Recognitions · licences · registrations
Parcel delivery
Notified to the BIPT
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Of 12,604 companies in sector 49410 we hold annual accounts for 8,202. 2,614 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
Founded03-07-2021
Fiscal year end30-09
Activities, NACEBEL 2025
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.