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Ecce-Fin

Active
Private limited companyfounded 20242 yrs activeGrootbosstraat 119, 1652 Beersel, BelgiumKBO/BCE: BE 1012.504.113
Summary

Ecce-Fin has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €6,872 and a net result of €15,872. Its solvency ranks better than 14% of 37948 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2024
Axes
Profitability97
Solvency35
Growth-
Track record67
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
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 2024
Solvency, return and age of the figures
Solvency
9.8%
Return on assets
22.6%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 37948 sector peers (2024).
NBB · sector comparison
Position among 37948 sector peers
Solvency
better than 14%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-09-2025, 59 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.
NBB · 1 filing
Deviation from the deadline
2024
59 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 59 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 14 August 2024, Ecce-Fin was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€6,872
Total assets
€70,290
Net result
€15,872
Working capital
-€26,594

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €70,290
Fixed assets €33,466
Current assets €36,824
Equity and liabilities €70,290
Equity €6,872
Debt €63,418
Debt finances 90.2% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€20,133
Cash flow
€18,915
Current ratio
0.58
Debt to equity
9.23
ROE
231.0%
ROA
22.6%
Interest coverage
35.88
Debt ≤ 1 year
€63,418
Income taxes
€657

Peer companies

Historical observation

Of the 2,155 companies that looked in July 2024 the way this one looks now, 2.6% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
2.6% went bankrupt
2.6% stopped otherwise
94% still going

A further 0.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,155 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 32 lines
Balance sheet Code2024
Assets
Total assets20/58€70,290
Fixed assets21/28€33,466
Tangible fixed assets22/27€33,466
Furniture and vehicles24€33,466
Current assets29/58€36,824
Amounts receivable within one year40/41€6,183
Trade receivables40€6,183
Cash at bank and in hand54/58€30,641
Equity and liabilities
Total equity and liabilities10/49€70,290
Equity10/15€6,872
Contributions10/11€5,000
Profit (loss) carried forward14€1,872
Amounts payable17/49€63,418
Amounts payable within one year42/48€63,418
Trade debts44€225
Suppliers440/4€225
Taxes, remuneration and social security45€3,714
Taxes450/3€3,714
Other amounts payable47/48€59,479
Income statement Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,042
Other operating charges640/8€250
Gross operating margin9900€20,383
Operating profit (loss)9901€17,090
Financial charges65/66B€561
Recurring financial charges65€561
Profit (loss) for the period before taxes9903€16,529
Income taxes67/77€657
Profit (loss) for the period9904€15,872
Profit (loss) for the period to be appropriated9905€15,872
Appropriation of the result
Profit (loss) to be appropriated9906€15,872
Profit to be distributed694/7€14,000
Directors or managers695€14,000

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,042
Other operating charges640/8€250
Gross operating margin9900€20,383
Operating profit (loss)9901€17,090
Financial charges65/66B€561
Recurring financial charges65€561
Profit (loss) for the period before taxes9903€16,529
Income taxes67/77€657
Profit (loss) for the period9904€15,872
Profit (loss) for the period to be appropriated9905€15,872
Line2024
Assets
Total assets20/58€70,290
Fixed assets21/28€33,466
Tangible fixed assets22/27€33,466
Furniture and vehicles24€33,466
Current assets29/58€36,824
Amounts receivable within one year40/41€6,183
Trade receivables40€6,183
Cash at bank and in hand54/58€30,641
Equity and liabilities
Total equity and liabilities10/49€70,290
Equity10/15€6,872
Contributions10/11€5,000
Profit (loss) carried forward14€1,872
Amounts payable17/49€63,418
Amounts payable within one year42/48€63,418
Trade debts44€225
Suppliers440/4€225
Taxes, remuneration and social security45€3,714
Taxes450/3€3,714
Other amounts payable47/48€59,479
Line2024
Profit (loss) for the period9904€15,872
+ Depreciation and write-downs630€3,042
Operating cash flow (approximation)€18,915

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
24-08
State Gazette act General meeting · Director appointment
14-07
State Gazette act Incorporation · Founder
Corporate purpose · Founding capital
2025
28-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
State Gazette actNBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Beersel · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
705 m²
Building footprint
171 m²
Parcel 23001B0254/00L018, Flanders. Linked by address, not a title deed.
1 establishment unit
Ecce-Fin
Grootbosstraat 119, 1652 BeerselOther activities auxiliary to financial services, excluding insurance and pension funding
since 20242.365.326.291
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23001B0254/00L018 Flanders 704 m² 1 · 171 m² -
Linked by address, not proof of ownership
Good to know
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

Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 18,844 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded14-08-2024
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64999Other financial services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
82100Office administrative and support services
Contact
E-mail fabien.hazart@outlook.com
Phone 0468147746
E-invoicing
Reachable via Peppol
Peppol ID 0208:1012504113
Registered 26-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.