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ECCE.FI

Active
Albert Liénartstraat 24 ·9300 Aalst, Belgium
KBO/BCE: BE 0772.760.891
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Age5 yrs
Real estate2 parcels · 776 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of ECCE.FI is 1.0% (low). The 2023 annual accounts show negative equity (€-46k) and a net result of €-142k. Its solvency ranks better than 7% of 5823 sector peers (fiscal year 2023). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.0% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2023: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Annual accounts not filed
The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 397 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 28-08-2024, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 nothing on record not filed -
31-12-2023 31-07-2024 28-08-2024 28 d late 2024-00421895
31-12-2022 31-07-2023 30-08-2023 30 d late 2023-00427214

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-142k
Working capital€12k-93.9%

Annual accounts & ratios

Source: NBB · 2023
Annual accounts filed on 28-08-2024 with the NBB · fiscal year 2023 · micro
€-200k€-100k€0€100kOperating result 2022: €92k€92kNet result 2022: €91k€91kOperating result 2023: €-140k€-140kNet result 2023: €-142k€-142k20222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -8.4% 61.2%
better than 7% of 5823 sector peers
Net result €-142k €27k
better than 5% of 5819 sector peers
Equity €-46k €48k
better than 5% of 5826 sector peers
Gross operating margin €33k €45k
better than 38% of 5815 sector peers
Staff costs €123k €18k
higher than 87% of 811 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-99k
- 22-23
Net profit
€-142k
- 22-23
Cash flow
€-100k
- 22-23
Total assets
€547k
-5.3% 22-23
Equity
€-46k
- 22-23
Working capital
€12k
-93.9% 22-23
Employees (FTE)
1
-10.0% 22-23
Staff costs
€123k
-33.9% 22-23
Show 11 other metrics
Income taxes
€9k
- 22-23
Debt
€593k
+23.2% 22-23
Debt ≤ 1y
€408k
+37.6% 22-23
Debt > 1y
€185k
0.0% 22-23
Current ratio
1.03
-38.7% 22-23
Quick ratio
1.03
-38.7% 22-23
Solvency
-8.4%
- 22-23
Debt / equity
-12.90
- 22-23
ROE
308.7%
+225.7% 22-23
ROA
-26.0%
- 22-23
Interest coverage
-10.14
- 22-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA€-99k
Net profit€-142k
Cash flow€-100k
Staff costs€123k
Income taxes-
Dividends-
Total assets€547k
Equity€-46k
Debt€593k
of which ≤ 1y€408k
of which > 1y€185k
Working capital€12k
Employees (FTE)0.9
Ratios (computed)
2023
Current ratio1.03
Quick ratio1.03
Working capital ratio2.2%
Solvency-8.4%
Debt / equity-12.90
Long-term debt ratio-4.03
Interest coverage-10.14
Gross margin-
Net margin-
ROA-26.0%
ROE308.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€547k
Fixed assets 21/28€127k
Intangible fixed assets 21€60k
Tangible fixed assets 22/27€67k
Current assets 29/58€420k
Amounts receivable within one year 40/41€402k
Cash & bank 54/58€10k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€547k
Equity 10/15€-46k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€-51k
Amounts payable 17/49€593k
Amounts payable after one year 17€185k
Amounts payable within one year 42/48€408k
Trade debts payable within one year 44€294k
Income statement
Gross operating margin 9900€33k
Operating result 9901€-140k
Financial income 75€8k
Financial charges 65€10k
Result before taxes 9903€-142k
Net result for the period 9904€-142k
Result to be appropriated 9905€-142k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2023 · computed
32 / 100 Weak
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Albert Liénartstraat 249300 Aalst

Establishment units

1 location
ECCE.FI
Elisabethplein(Kok) 1, 8670 KoksijdeComputerconsultancy-activiteiten
since 20212.322.989.751
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area776 m²
Buildings2
Building footprint464 m²
Volume (LiDAR)7,760 m³
Tallest building26.4 m · ±7 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
38342G0254/00B000 Flanders 457 m² 1 · 238 m² 26.4 m · 7 fl.
41002A0366/02F007 Flanders 318 m² 1 · 226 m² 15.4 m · 4 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured
Health32Profitability100Solvency45Growth32Stability94
61 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 32
Profitability 100
Solvency 45
Growth 32
Stability 94

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 415 of the 3,211 companies in this sector. 342 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Computerconsultancy-activiteiten62020Overige diensten op het gebied van informatietechnologie en computer62900Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Overige niet-gespecialiseerde detailhandel47120Detailhandel via postorderbedrijven of via internet47910Overige activiteiten van uitgeverijen, met uitzondering van het uitgeven van software58190Uitgeven van overige software58290Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL ECCE.FI
Registered office
Albert Liénartstraat 24
9300 Aalst, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.