E-MRF
ActiveE-MRF has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €470k and a net result of €91k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
87
/ 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
Profitability81=
Solvency78▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 4.46 against 5.31 in 2023; short-term debt: 9.5% and cash: 28.3% of total assets), and 47.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 25-07-2025, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
28 d late
2022
25 d late
2021
75 d early
2020
44 d early
2019
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€470k▲ 23.9%
2023 · €380k
2018: €173k
2019: €228k
2020: €255k
2021: €327k
2022: €300k
2023: €380k
2018 → 2024
Total assets
€893k▲ 12.8%
2023 · €792k
2018: €369k
2019: €375k
2020: €394k
2021: €451k
2022: €738k
2023: €792k
2018 → 2024
Net result
€91k▲ 13.8%
2023 · €80k
2018: €51k
2019: €55k
2020: €49k
2021: €72k
2022: €1k
2023: €80k
2018 → 2024
Working capital
€293k▲ 34.2%
2023 · €218k
2018: €146k
2019: €193k
2020: €229k
2021: €296k
2022: €165k
2023: €218k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€255k-€327k▲ 28.0%€300k▼ 8.3%€380k▲ 26.5%€470k▲ 23.9%
Operating result€70k-€102k▲ 45.7%€10k▼ 89.9%€125k▲ 1,108%€144k▲ 14.6%
Net result€49k-€72k▲ 46.5%€1k▼ 98.0%€80k▲ 5,325%€91k▲ 13.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 15% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €893k
Fixed assets
€515k▼ 1.5%
Current assets
€378k▲ 40.4%
Equity and liabilities €893k
Equity
€470k▲ 23.9%
Debt
€423k▲ 2.5%
The debt ratio falls from 52.1% to 47.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€156k▲
2023 · €137k
Cash flow
€103k▲
2023 · €92k
Solvency
52.6%▲
2023 · 47.9%
Current ratio
4.46▼
2023 · 5.31
Quick ratio
4.46▼
2023 · 5.31
Debt / equity
0.90▼
2023 · 1.09
ROE
19.3%▼
2023 · 21.0%
ROA
10.1%▲
2023 · 10.0%
Interest coverage
10.07▲
2023 · 9.78
Debt
€423k▲
2023 · €412k
Debt ≤ 1 year
€85k▲
2023 · €51k
Debt > 1 year
€335k▼
2023 · €362k
Income taxes
€39k▲
2023 · €32k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€792k€893k▲
Fixed assets21/28€523k€515k▼
Tangible fixed assets22/27€523k€515k▼
Land and buildings22€523k€515k▼
Furniture and vehicles24€159€0▼
Current assets29/58€269k€378k▲
Amounts receivable after more than one year29€5k€5k=
Other amounts receivable291€5k€5k=
Amounts receivable within one year40/41€94k€117k▲
Trade receivables40€21k€49k▲
Other amounts receivable41€72k€68k▼
Cash at bank and in hand54/58€168k€253k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€792k€893k▲
Equity10/15€380k€470k▲
Contributions10/11€19k€19k=
Reserves13€361k€452k▲
Distributable reserves133€361k€452k▲
Amounts payable17/49€412k€423k▲
Amounts payable after more than one year17€362k€335k▼
Financial debts170/4€362k€335k▼
Amounts payable within one year42/48€51k€85k▲
Current portion of amounts payable after more than one year42€26k€27k▲
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€5k€30k▲
Suppliers440/4€5k€30k▲
Taxes, remuneration and social security45€20k€24k▲
Taxes450/3€17k€24k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48-€90
Accrued charges and deferred income492/3€309€3k▲
Income statement
Code20232024
Non-recurring operating income76A€23k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€7k€7k▼
Gross operating margin9900€145k€162k▲
Operating profit (loss)9901€125k€144k▲
Financial income75/76B€161€2k▲
Recurring financial income75€161€2k▲
Financial charges65/66B€14k€15k▲
Recurring financial charges65€14k€15k▲
Profit (loss) for the period before taxes9903€111k€130k▲
Income taxes67/77€32k€39k▲
Profit (loss) for the period9904€80k€91k▲
Profit (loss) for the period to be appropriated9905€80k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€91k▲
Transfer to equity691/2€80k€91k▲
To other reserves6921€80k€91k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €91k ▲13.8%
Operating result €144k, net result €91k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Weakest financial yearnet €1k ▼98%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 6.80
Current ratio from 3.24 to 6.80; short-term debt falls from €65k to €33k.
31-12
Financial
Equity above €200kEq €228k ▲31.2%
2 profitable years in a row build equity to €228k.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Temse · 1 establishment unit since 2013
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.
Antwerpse Steenweg 48K9140 TemseGround area
302 m²
Parcel 46026A0759/00X000, Flanders. Linked by address, not a title deed.
1 establishment unit
E-MRF
since 20132.222.995.223
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46026A0759/00X000 | Flanders | 302 m² | - | - |
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
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INVENTIS
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TRUSTED ADVICES CENTER IN INFORMATION TECHNOLOGY
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ZILLYON INFORMATION TECHNOLOGY
BE 0889.464.264
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MB CONSULTING
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 12,208 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2013
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:tom_debondt@icloud.com
Phone:0474708081