EFFECTUM
ActiveSummary
EFFECTUM has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70k and a net result of €50k. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 38% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency66▼-34
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 8.74 in 2024; short-term debt: 58.7% and cash: 80.4% of total assets), but 58.7% 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○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 →
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
41.3%
Return on assets
29.9%
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 14-01-2026, 17 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
17 d early
2024
10 d early
2023
2 d early
2022
1 d early
2021
10 d early
2020
2 d early
2019
1 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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▼ 56.7%
2024 · €161k
2019: €50k
2020: €67k
2021: €111k
2022: €140k
2023: €106k
2024: €161k
2019 → 2025
Total assets
€169k▼ 6.9%
2024 · €181k
2019: €84k
2020: €78k
2021: €133k
2022: €162k
2023: €179k
2024: €181k
2019 → 2025
Net result
€50k▼ 8.7%
2024 · €55k
2019: €43k
2020: €18k
2021: €43k
2022: €78k
2023: €43k
2024: €55k
2019 → 2025
Working capital
€63k▼ 58.4%
2024 · €153k
2019: €49k
2020: €65k
2021: €108k
2022: €135k
2023: €97k
2024: €153k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€140k▲ 26.9%€106k▼ 24.7%€161k▲ 52.4%€70k▼ 56.7%
Operating result€55k-€98k▲ 80.0%€55k▼ 44.4%€66k▲ 21.3%€64k▼ 3.9%
Net result€43k-€78k▲ 79.5%€43k▼ 44.6%€55k▲ 28.5%€50k▼ 8.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €169k
Fixed assets
€6k ▼ 30.7%
Current assets
€163k ▼ 5.7%
Equity and liabilities €169k
Equity
€70k ▼ 56.7%
Debt
€99k ▲ 388%
Debt's share of the balance-sheet total rises from 11.2% to 58.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€66k▼
2024 · €70k
Cash flow
€53k▼
2024 · €59k
Current ratio
1.64▼
2024 · 8.74
Debt to equity
1.42▲
2024 · 0.13
ROE
72.5%▲
2024 · 34.4%
ROA
29.9%▼
2024 · 30.5%
Interest coverage
315.90▼
2024 · 564.44
Debt ≤ 1 year
€99k▲
2024 · €20k
Income taxes
€13k▼
2024 · €14k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€181k€169k▼
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€9k€6k▼
Land and buildings22€4k-
Plant, machinery and equipment23€1k€934▼
Furniture and vehicles24€1k€195▼
Other tangible fixed assets26€2k€5k▲
Current assets29/58€172k€163k▼
Amounts receivable within one year40/41€16k€16k▲
Trade receivables40€15k€15k▼
Other amounts receivable41€1k€2k▲
Current investments50/53€39k€10k▼
Cash at bank and in hand54/58€117k€136k▲
Deferred charges and accrued income490/1-€963
Equity and liabilities
Total equity and liabilities10/49€181k€169k▼
Equity10/15€161k€70k▼
Contributions10/11€19k€19k=
Reserves13€142k€51k▼
Tax-exempt reserves132€529€529=
Distributable reserves133€142k€50k▼
Amounts payable17/49€20k€99k▲
Amounts payable within one year42/48€20k€99k▲
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€6k€7k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€2k€90k▲
Accrued charges and deferred income492/3€590-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€72k€68k▼
Operating profit (loss)9901€66k€64k▼
Financial income75/76B€3k€211▼
Recurring financial income75€3k€211▼
Financial charges65/66B€125€210▲
Recurring financial charges65€125€210▲
Profit (loss) for the period before taxes9903€69k€64k▼
Income taxes67/77€14k€13k▼
Profit (loss) for the period9904€55k€50k▼
Profit (loss) for the period to be appropriated9905€55k€50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€50k▼
Transfer from equity791/2-€142k
Transfer to equity691/2€55k€50k▼
To other reserves6921€55k€50k▼
Profit to be distributed694/7-€142k
Return on contributions (dividend)694-€142k
The notes to these accounts (4 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
14-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity quadruplescurrent ratio 8.74
Current ratio from 2.31 to 8.74; short-term debt falls from €74k to €20k.
30-06
Financial
Equity above €150kEq €161k ▲52.4%
6 profitable years in a row build equity to €161k.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €78k ▲79.5%
Operating result €98k, net result €78k, both a record.
21-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €111k ▲64.4%
3 profitable years in a row build equity to €111k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €18k ▼59.5%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity triplescurrent ratio 6.87
Current ratio from 2.41 to 6.87; short-term debt falls from €35k to €11k.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Laarne · 1 establishment unit since 2017
Ground area
548 m²
Building footprint
107 m²
Volume, LiDAR
612 m³
Parcel 42009C0730/00K002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Effectum bvba
since 20172.268.635.901
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42009C0730/00K002 | Flanders | 548 m² | 1 · 107 m² | 9.4 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 294 EUR awarded · 294 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 124 EUR | 124 EUR |
| 2023 | 1 | 170 EUR | 170 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 39,619 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
Founded25-09-2017
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.