EC&T GROUP
ActiveEC&T GROUP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €36.68M and a net result of €3.59M. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 95% of 8589 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
14 d early
2023
19 d early
2022
7 d early
2021
30 d late
2020
3 d early
2019
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€36.68M▲ 10.8%
2024 · €33.09M
2018: €24.42M
2019: €28.59M
2020: €33.62M
2021: €32.37M
2022: €27.74M
2023: €30.09M
2024: €33.09M
2018 → 2025
Net result
€3.59M▲ 19.6%
2024 · €3.00M
2018: €323
2019: €4.16M
2020: €5.03M
2021: €-1.25M
2022: €-4.63M
2023: €3.07M
2024: €3.00M
2018 → 2025
Total assets
€36.82M▲ 10.9%
2024 · €33.19M
2018: €34.54M
2019: €36.25M
2020: €36.84M
2021: €34.77M
2022: €29.48M
2023: €30.65M
2024: €33.19M
2018 → 2025
Solvency
99.6%▼ 0.1pp
2024 · 99.7%
2018: 70.7%
2019: 78.9%
2020: 91.3%
2021: 93.1%
2022: 94.1%
2023: 98.2%
2024: 99.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32.37M-€27.74M▼ 14.3%€30.09M▲ 8.5%€33.09M▲ 10.0%€36.68M▲ 10.8%
Operating result€-4.44M-€-4.59M▼ 3.4%€-4.64M▼ 1.1%€-5.21M▼ 12.3%€-4.71M▲ 9.6%
Net result€-1.25M-€-4.63M▼ 270%€3.07M€3.00M▼ 2.3%€3.59M▲ 19.6%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4.71M in 2025 against €5.21M in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36.82M
Fixed assets
€17.44M▼ 21.8%
Current assets
€19.38M▲ 78.1%
Equity and liabilities €36.82M
Equity
€36.68M▲ 10.8%
Debt
€142k▲ 37.6%
The debt ratio rises from 0.3% to 0.4%: debt grows faster than equity.
Key figures and ratios
Solvency
99.6%▼
2024 · 99.7%
ROE
9.8%▲
2024 · 9.1%
ROA
9.7%▲
2024 · 9.0%
Debt
€142k▲
2024 · €103k
Debt ≤ 1 year
€142k▲
2024 · €103k
Income taxes
€28k▲
2024 · €-6k
Staff costs
€99k▲
2024 · €96k
A ratio outside any meaningful range has been withheld (balance sheet total €36.82M, equity €36.68M).
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€33.19M€36.82M▲
Fixed assets21/28€22.31M€17.44M▼
Intangible fixed assets21€4.81M€119k▼
Financial fixed assets28€17.50M€17.32M▼
Current assets29/58€10.88M€19.38M▲
Amounts receivable after more than one year29-€294k
Other amounts receivable291-€294k
Amounts receivable within one year40/41€4.90M€11.72M▲
Trade receivables40€102k€114k▲
Other amounts receivable41€4.79M€11.61M▲
Current investments50/53€5.00M€7.00M▲
Cash at bank and in hand54/58€970k€356k▼
Deferred charges and accrued income490/1€18k€12k▼
Equity and liabilities
Total equity and liabilities10/49€33.19M€36.82M▲
Equity10/15€33.09M€36.68M▲
Contributions10/11€18.00M€18.00M=
Reserves13€5.59M€900k▼
Tax-exempt reserves132€4.81M€119k▼
Distributable reserves133€781k€781k=
Profit (loss) carried forward14€9.50M€17.78M▲
Amounts payable17/49€103k€142k▲
Amounts payable within one year42/48€103k€142k▲
Trade debts44€43k€94k▲
Suppliers440/4€43k€94k▲
Taxes, remuneration and social security45€61k€48k▼
Taxes450/3€32k€21k▼
Remuneration and social security454/9€29k€27k▼
Income statement
Code20242025
Remuneration, social security and pensions62€96k€99k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4.69M€4.69M=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-422k€80k▲
Operating profit (loss)9901€-5.21M€-4.71M▲
Financial income75/76B€8.22M€8.33M▲
Recurring financial income75€8.22M€8.33M▲
Financial charges65/66B€15k€3k▼
Recurring financial charges65€15k€3k▼
Profit (loss) for the period before taxes9903€2.99M€3.62M▲
Income taxes67/77€-6k€28k▲
Profit (loss) for the period9904€3.00M€3.59M▲
Transfer from tax-exempt reserves789€4.69M€4.69M=
Profit (loss) for the period to be appropriated9905€7.69M€8.28M▲
Appropriation of the result
Profit (loss) to be appropriated9906€9.50M€17.78M▲
Profit (loss) brought forward from the previous period14P€1.81M€9.50M▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (6 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 7current ratio 105.60
Current ratio from 15.67 to 105.60; short-term debt falls from €557k to €103k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €3.07M
Net result €3.07M after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 15.67
Current ratio from 2.97 to 15.67; short-term debt falls from €1.28M to €557k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-4.63M
Net result drops to €-4.63M, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Liquidity times 49current ratio 7.15
Current ratio from 0.14 to 7.15.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €5.03M ▲20.7%
Net result €5.03M, the highest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €25MEq €28.59M ▲17.1%
2 profitable years in a row build equity to €28.59M.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Maldegem · 1 establishment unit since 2017
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.
Koekoeklaan 539991 MaldegemGround area
3,571 m²
Building footprint
1,659 m²
Volume, LiDAR
12,572 m³
Parcel 43001B0421/00K003, Flanders · tallest building 7.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
E.C.W.H.II
since 20172.263.058.993
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43001B0421/00K003 | Flanders | 3,571 m² | 1 · 1,659 m² | 7.9 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488H1XWBB20S22S5340
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 3,167 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.