EFC
ActiveSummary
EFC has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €193k and a net result of €72k. Equity is growing by ~32% per year across the filed fiscal years. Its solvency ranks better than 83% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+61
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 6.77 against 8.84 in 2024; short-term debt: 14.3% and cash: 54% of total assets), and 14.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · 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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.7%
Return on assets
31.9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-01-2026, 22 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
22 d early
2024
21 d early
2023
40 d early
2022
27 d early
2021
39 d early
2020
38 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€193k▲ 45.3%
2024 · €133k
2020: €18k
2021: €32k
2022: €91k
2023: €124k
2024: €133k
2020 → 2025
Total assets
€225k▲ 44.6%
2024 · €156k
2020: €24k
2021: €80k
2022: €154k
2023: €162k
2024: €156k
2020 → 2025
Net result
€72k▲ 725%
2024 · €9k
2020: €12k
2021: €15k
2022: €59k
2023: €33k
2024: €9k
2020 → 2025
Working capital
€186k▲ 48.9%
2024 · €125k
2020: €17k
2021: €22k
2022: €81k
2023: €115k
2024: €125k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€91k▲ 182%€124k▲ 36.2%€133k▲ 7.0%€193k▲ 45.3%
Operating result€15k-€100k▲ 548%€43k▼ 57.6%€46k▲ 8.0%€109k▲ 137%
Net result€15k-€59k▲ 306%€33k▼ 43.9%€9k▼ 73.6%€72k▲ 725%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 137% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €225k
Fixed assets
€8k ▼ 50.0%
Current assets
€218k ▲ 54.9%
Equity and liabilities €225k
Equity
€193k ▲ 45.3%
Debt
€32k ▲ 40.4%
Debt's share of the balance-sheet total falls from 14.7% to 14.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€117k▲
2024 · €54k
Cash flow
€80k▲
2024 · €17k
Current ratio
6.77▼
2024 · 8.84
Debt to equity
0.17▼
2024 · 0.17
ROE
37.2%▲
2024 · 6.6%
ROA
31.9%▲
2024 · 5.6%
Interest coverage
73.09▲
2024 · 1.63
Debt ≤ 1 year
€32k▲
2024 · €16k
Income taxes
€37k▲
2024 · €18k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€156k€225k▲
Fixed assets21/28€15k€8k▼
Tangible fixed assets22/27€15k€8k▼
Plant, machinery and equipment23-€621
Furniture and vehicles24€15k€7k▼
Current assets29/58€141k€218k▲
Amounts receivable within one year40/41€9k€28k▲
Trade receivables40€5k€20k▲
Other amounts receivable41€5k€8k▲
Current investments50/53€68k€68k▼
Cash at bank and in hand54/58€63k€122k▲
Equity and liabilities
Total equity and liabilities10/49€156k€225k▲
Equity10/15€133k€193k▲
Contributions10/11€6k€6k=
Reserves13€127k€187k▲
Distributable reserves133€127k€187k▲
Amounts payable17/49€23k€32k▲
Amounts payable after more than one year17€7k-
Financial debts170/4€7k-
Amounts payable within one year42/48€16k€32k▲
Current portion of amounts payable after more than one year42€8k€7k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€6k€11k▲
Taxes450/3€6k€11k▲
Other amounts payable47/48-€11k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€681€641▼
Gross operating margin9900€55k€118k▲
Operating profit (loss)9901€46k€109k▲
Financial income75/76B€14k€2k▼
Recurring financial income75€14k€2k▼
Financial charges65/66B€33k€2k▼
Recurring financial charges65€33k€2k▼
Profit (loss) for the period before taxes9903€27k€109k▲
Income taxes67/77€18k€37k▲
Profit (loss) for the period9904€9k€72k▲
Profit (loss) for the period to be appropriated9905€9k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€72k▲
Transfer from equity791/2-€12k
Transfer to equity691/2€9k€72k▲
To other reserves6921€9k€72k▲
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
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
09-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2020net €72k ▲725%
Operating result €109k, net result €72k, both a record.
30-06
Financial
Equity above €150kEq €193k ▲45.3%
6 profitable years in a row build equity to €193k.
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €9k ▼73.6%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Equity above €100kEq €124k ▲36.2%
4 profitable years in a row build equity to €124k.
04-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
24-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zedelgem · 1 establishment unit since 2019
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.
Noordstraat 758211 ZedelgemGround area
1,019 m²
Building footprint
182 m²
Volume, LiDAR
1,067 m³
Parcel 31001A1162/00G002, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EFC
since 20192.284.834.802
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31001A1162/00G002 | Flanders | 1,019 m² | 1 · 182 m² | 8.5 m · 2 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
Legal Entity Identifier
254900RZYVQLJ7E2TS88
Similar companies · same sector, comparable size
CONSULTING GROUP S
BE 0871.664.467
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BE 0756.652.260
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BEST Buildings
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DEVERTICO
BE 0687.724.258
Roeselare · Eq €193,260
consultED partner
BE 0767.710.755
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,161 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
Founded07-01-2019
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.