E.F.
ActiveE.F. has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-12k) and a net result of €7k. Equity is shrinking by ~54.1% per year across the filed fiscal years. Its solvency ranks better than 17% of 4577 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.5 against 0.83 in 2023; short-term debt: 151.5% and cash: 0.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
-51.5%
Return on assets
29.3%
Age of the figures
15 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 4577 sector peers (2025).
NBB · sector comparisonPosition among 4577 sector peers
Solvency
better than 17%
← weakest
strongest →
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 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2023
29 d late
2022
on the day
2021
84 d late
2020
25 d late
2019
on the day
← before the deadline
after the deadline →
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 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€-12k▼ 54.6%
2023 · €-8k
2019: €6k
2020: €13k
2021: €4k
2022: €-4k
2023: €-8k
2019 → 2025
Total assets
€23k▼ 2.2%
2023 · €24k
2019: €6k
2020: €19k
2021: €30k
2022: €21k
2023: €24k
2019 → 2025
Net result
€7k
2023 · €-4k
2019: €254
2020: €7k
2021: €-9k
2022: €-8k
2023: €-4k
2019 → 2025
Working capital
€-18k▼ 340%
2023 · €-4k
2020: €13k
2021: €15k
2022: €4k
2023: €-4k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€13k-€4k▼ 69.4%€-4k€-8k▼ 98.3%€-12k▼ 54.6%
Operating result€10k-€-15k€-8k▲ 50.9%€-3k▲ 62.2%€7k
Net result€7k-€-9k€-8k▲ 13.6%€-4k▲ 51.9%€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €7k in 2025, compared with €-3k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €23k
Fixed assets
€6k▲ 37.6%
Current assets
€18k▼ 10.5%
Key figures and ratios
EBITDA
€11k▲
2023 · €-2k
Cash flow
€10k▲
2023 · €-3k
Solvency
-51.5%▼
2023 · -32.6%
Current ratio
0.50▼
2023 · 0.83
Quick ratio
0.50▼
2023 · 0.83
Debt / equity
-2.94▲
2023 · -4.07
ROA
29.3%▲
2023 · -16.2%
Interest coverage
22.02▲
2023 · -1.62
Debt
€35k▲
2023 · €32k
Debt ≤ 1 year
€35k▲
2023 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2023
Balance sheet
Code20232025
Assets
Total assets20/58€24k€23k▼
Fixed assets21/28€4k€6k▲
Tangible fixed assets22/27€4k€6k▲
Plant, machinery and equipment23-€4k
Furniture and vehicles24€4k€1k▼
Current assets29/58€20k€18k▼
Amounts receivable within one year40/41€20k€17k▼
Trade receivables40€5k€2k▼
Other amounts receivable41€14k€16k▲
Cash at bank and in hand54/58€5€161▲
Deferred charges and accrued income490/1€195-
Equity and liabilities
Total equity and liabilities10/49€24k€23k▼
Equity10/15€-8k€-12k▼
Contributions10/11€6k€6k=
Reserves13€7k€7k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-21k€-25k▼
Amounts payable17/49€32k€35k▲
Amounts payable after more than one year17€8k-
Financial debts170/4€8k-
Amounts payable within one year42/48€24k€35k▲
Current portion of amounts payable after more than one year42€4k€3k▼
Trade debts44€9k€1k▼
Suppliers440/4€9k€1k▼
Taxes, remuneration and social security45€3k€157▼
Taxes450/3€3k€157▼
Other amounts payable47/48€8k€31k▲
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€373€507▲
Gross operating margin9900€-1k€11k▲
Operating profit (loss)9901€-3k€7k▲
Financial income75/76B€6€0▼
Recurring financial income75€6€0▼
Financial charges65/66B€1k€483▼
Recurring financial charges65€1k€483▼
Profit (loss) for the period before taxes9903€-4k€7k▲
Profit (loss) for the period9904€-4k€7k▲
Profit (loss) for the period to be appropriated9905€-4k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-25k▼
Profit (loss) brought forward from the previous period14P€-17k€-32k▼
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 84 days late
2021
30-06
Financial
Weakest financial yearnet €-9k ▼235%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
30-06
Financial
Highest result since 2019net €7k ▲2604%
Operating result €10k, net result €7k, both a record.
31-01
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.
Directors · office · real estate
Directors
1 act for this company is 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, Vilvoorde · 2 establishment units 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.
Peperstraat 11800 VilvoordeGround area
257 m²
Building footprint
255 m²
Volume, LiDAR
2,481 m³
2 parcels, Brussels, Flanders · tallest building 16.2 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Peperstraat 1, 1800 Vilvoorde
since 20182.275.594.759
Ninoofse Steenweg 590, 1070 Anderlecht
since 20192.292.791.968
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0024/00K008 | Brussels | 132 m² | 1 · 128 m² | 16.2 m · 3 fl. |
| 23642D0390/00E000 | Flanders | 126 m² | 1 · 127 m² | 13.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,001 companies in sector 96102 we hold annual accounts for 460. 206 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-03-2018
Fiscal year end30-06
Activities, NACEBEL
96102Launderettes and laundries for private customers
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.