Effeqtive
ActiveSummary
Effeqtive has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €373k and a net result of €91k. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 50% of 8093 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▼-1
Solvency79▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 3.02 in 2023; short-term debt: 18.9% and cash: 24.4% of total assets), and 45.7% 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+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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
43 d early
2022
34 d early
2021
34 d early
2020
47 d early
2019
17 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€373k▲ 6.1%
2023 · €352k
2019: €112k
2020: €184k
2021: €251k
2022: €262k
2023: €352k
2019 → 2024
Total assets
€687k▲ 3.5%
2023 · €663k
2019: €116k
2020: €193k
2021: €637k
2022: €646k
2023: €663k
2019 → 2024
Net result
€91k▲ 2.4%
2023 · €89k
2019: €93k
2020: €72k
2021: €67k
2022: €61k
2023: €89k
2019 → 2024
Working capital
€130k▼ 17.8%
2023 · €158k
2019: €100k
2020: €174k
2021: €154k
2022: €117k
2023: €158k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€184k-€251k▲ 36.4%€262k▲ 4.6%€352k▲ 34.0%€373k▲ 6.1%
Operating result€92k-€94k▲ 1.5%€89k▼ 4.7%€125k▲ 39.6%€125k▼ 0.2%
Net result€72k-€67k▼ 7.6%€61k▼ 8.1%€89k▲ 45.3%€91k▲ 2.4%
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 falls in 2024; 2024 is 0% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €687k
Fixed assets
€427k ▼ 0.1%
Current assets
€260k ▲ 10.1%
Equity and liabilities €687k
Equity
€373k ▲ 6.1%
Debt
€314k ▲ 0.7%
Debt's share of the balance-sheet total falls from 47.0% to 45.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€126k▼
2023 · €126k
Cash flow
€93k▲
2023 · €91k
Current ratio
2.00▼
2023 · 3.02
Debt to equity
0.84▼
2023 · 0.89
ROE
24.5%▼
2023 · 25.4%
ROA
13.3%▼
2023 · 13.5%
Interest coverage
40.60▲
2023 · 32.67
Debt ≤ 1 year
€130k▲
2023 · €78k
Debt > 1 year
€184k▼
2023 · €233k
Income taxes
€33k▲
2023 · €32k
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 · 2024 against 2023 · 46 lines
Balance sheet
Code20232024
Assets
Total assets20/58€663k€687k▲
Fixed assets21/28€427k€427k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€0€1k▲
Furniture and vehicles24€2k€997▼
Financial fixed assets28€425k€425k=
Current assets29/58€236k€260k▲
Amounts receivable within one year40/41€21k€20k▼
Trade receivables40€17k€17k=
Other amounts receivable41€4k€3k▼
Current investments50/53€159k€71k▼
Cash at bank and in hand54/58€55k€168k▲
Deferred charges and accrued income490/1€1k€620▼
Equity and liabilities
Total equity and liabilities10/49€663k€687k▲
Equity10/15€352k€373k▲
Contributions10/11€19k€19k=
Reserves13€333k€355k▲
Distributable reserves133€333k€355k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€312k€314k▲
Amounts payable after more than one year17€233k€184k▼
Financial debts170/4€233k€184k▼
Amounts payable within one year42/48€78k€130k▲
Current portion of amounts payable after more than one year42€49k€50k▲
Trade debts44€1k€404▼
Suppliers440/4€1k€404▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€28k€80k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€128k€128k▼
Operating profit (loss)9901€125k€125k▼
Financial income75/76B€0€3k▲
Recurring financial income75€0€3k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€121k€125k▲
Income taxes67/77€32k€33k▲
Profit (loss) for the period9904€89k€91k▲
Profit (loss) for the period to be appropriated9905€89k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€91k▲
Transfer to equity691/2€89k€21k▼
To other reserves6921€89k€21k▼
Profit to be distributed694/7€0€70k▲
Return on contributions (dividend)694€0€70k▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €61k ▼8.1%
Net result drops to €61k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200kEq €251k ▲36.4%
3 profitable years in a row build equity to €251k.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €184k ▲64.9%
2 profitable years in a row build equity to €184k.
14-07
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.
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, Kontich · 1 establishment unit since 2018
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.
Waarloosveld 252550 KontichGround area
1,424 m²
Building footprint
118 m²
Volume, LiDAR
901 m³
Parcel 11048A0088/00T000, Flanders · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Effeqtive
since 20182.281.538.879
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11048A0088/00T000 | Flanders | 1,424 m² | 1 · 118 m² | 9.4 m · 3 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.
Similar companies · same sector, comparable size
ango.209
BE 0787.472.130
Namur · Eq €373,176
PETER OP DE BEECK
BE 0869.764.950
Torhout · Eq €373,220
Slaets Tremelo
BE 0465.281.581
Tremelo · Eq €373,095
@dding Value
BE 0811.949.584
Stekene · Eq €373,300
HALLOY ALAIN
BE 0478.022.730
Deinze · Eq €373,304
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 36,806 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
Founded06-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.