E.F.C. Immo
ActiveE.F.C. Immo has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €516k and a net result of €-32k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 71% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▼-10
Solvency84▲+2
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.39 against 0.12 in 2024; short-term debt: 27.6% and cash: 2.7% of total assets), and 41.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
3 d early
2024
on the day
2023
30 d late
2022
4 d early
2021
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€516k▼ 5.8%
2024 · €548k
2021: €420k
2022: €454k
2023: €508k
2024: €548k
2021 → 2025
Total assets
€880k▼ 9.0%
2024 · €967k
2021: €953k
2022: €1.30M
2023: €1.02M
2024: €967k
2021 → 2025
Net result
€-32k
2024 · €40k
2021: €21k
2022: €34k
2023: €54k
2024: €40k
2021 → 2025
Working capital
€-148k▲ 28.9%
2024 · €-208k
2021: €-116k
2022: €-123k
2023: €-177k
2024: €-208k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€420k-€454k▲ 8.2%€508k▲ 11.9%€548k▲ 8.0%€516k▼ 5.8%
Operating result€94k-€61k▼ 35.7%€88k▲ 45.1%€70k▼ 20.5%€-25k
Net result€21k-€34k▲ 65.7%€54k▲ 57.4%€40k▼ 24.9%€-32k
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 €25k after €70k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €880k
Fixed assets
€785k▼ 16.3%
Current assets
€95k▲ 231%
Equity and liabilities €880k
Equity
€516k▼ 5.8%
Debt
€364k▼ 13.2%
The debt ratio falls from 43.3% to 41.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€135k▼
2024 · €232k
Cash flow
€128k▼
2024 · €202k
Solvency
58.7%▲
2024 · 56.7%
Current ratio
0.39▲
2024 · 0.12
Quick ratio
0.39▲
2024 · 0.12
Debt / equity
0.70▼
2024 · 0.76
ROE
-6.2%▼
2024 · 7.4%
ROA
-3.6%▼
2024 · 4.2%
Interest coverage
19.09▲
2024 · 17.72
Debt
€364k▼
2024 · €419k
Debt ≤ 1 year
€243k▲
2024 · €237k
Debt > 1 year
€97k▼
2024 · €182k
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 2024
Balance sheet
Code20242025
Assets
Total assets20/58€967k€880k▼
Fixed assets21/28€938k€785k▼
Tangible fixed assets22/27€936k€782k▼
Land and buildings22€869k€732k▼
Plant, machinery and equipment23€2k-
Furniture and vehicles24€65k€51k▼
Financial fixed assets28€2k€2k=
Current assets29/58€29k€95k▲
Amounts receivable within one year40/41€27k€70k▲
Trade receivables40€5k-
Other amounts receivable41€22k€70k▲
Cash at bank and in hand54/58€203€24k▲
Deferred charges and accrued income490/1€947€1k▲
Equity and liabilities
Total equity and liabilities10/49€967k€880k▼
Equity10/15€548k€516k▼
Contributions10/11€183k€183k=
Reserves13€365k€333k▼
Non-distributable reserves130/1€18k€18k=
Reserves not available under the articles1311€18k€18k=
Distributable reserves133€347k€315k▼
Amounts payable17/49€419k€364k▼
Amounts payable after more than one year17€182k€97k▼
Financial debts170/4€182k€97k▼
Amounts payable within one year42/48€237k€243k▲
Current portion of amounts payable after more than one year42€83k€85k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€14k€15k▲
Taxes450/3€14k€15k▲
Other amounts payable47/48€137k€142k▲
Accrued charges and deferred income492/3-€24k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€162k€160k▼
Other operating charges640/8€21k€21k▲
Gross operating margin9900€252k€157k▼
Operating profit (loss)9901€70k€-25k▼
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€13k€7k▼
Recurring financial charges65€13k€7k▼
Profit (loss) for the period before taxes9903€57k€-32k▼
Income taxes67/77€16k-
Profit (loss) for the period9904€40k€-32k▼
Profit (loss) for the period to be appropriated9905€40k€-32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€-32k▼
Transfer from equity791/2-€32k
Transfer to equity691/2€40k-
To other reserves6921€40k-
The notes to these accounts (7 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-32k ▼179%
Net result drops to €-32k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2021net €54k ▲57.4%
Net result €54k, the highest in the series.
31-12
Financial
Equity above €500kEq €508k ▲11.9%
3 profitable years in a row build equity to €508k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Herk-de-Stad · 1 establishment unit since 2021
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.
Halbekerstraat 23540 Herk-de-StadGround area
207 m²
Building footprint
187 m²
Volume, LiDAR
2,126 m³
Parcel 71024A0089/00B000, Flanders · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
E.F.C. Immo
since 20212.312.995.385
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71024A0089/00B000 | Flanders | 207 m² | 1 · 187 m² | 14.6 m · 4 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.
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,669 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2021
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.