Financials
- Financial year
- 2025
- Total assets
- €26.2m
- Loss
- -€242,842
- Solvency
- 12.5%
Total assets▼ 7.6%
Net result
20192025
ECETIA FINANCES
ActiveSummary
ECETIA FINANCES 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 €3.3m and a net result of -€242,842. Equity is shrinking by about 19% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2027. Its solvency ranks better than 15% of 6,640 sector peers (NACE 64, financial year 2025). The company has been active since 1929 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Other financial services
NACE 64999
6th oldest company in Liège, Finance and insurance sector1 site
Size
€26.2mtotal assets 2025
- Equity
- €3.3m
- Loss
- -€242,842
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Largest shareholder
- ECETIA INTERCOMMUNALE · 16%
- Arnaud FRIPPIATDirector
- Christine DEFRAIGNEDirector
- Ecetia IntercommunaleDirector · permanent representative Bertrand DEMONCEAU
Auditor: CDP NICOLET, BERTRAND & C°Accounts 30 days early33 of 34 deeds read
Signalsraises riskWeak solvency vs sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 6640 sector peers (2025).
NBB · sector comparisonPosition among 6640 sector peers
Solvency
better than 15%
← weakest
strongest →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 days early
2024
84 days late
2023
21 days early
2022
33 days early
2021
27 days early
2020
18 days early
2019
9 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
21-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Registered officeRegistered office clause · Registered-office…
- Annual accounts filedfinancial year 2024 · full…
Key points
By topic
Board & ownership
- Board
- 3 members
- Largest shareholder
- ECETIA INTERCOMMUNALE · 16%
- Auditor
- CDP NICOLET, BERTRAND &…
- Arnaud FRIPPIATDirector
- Christine DEFRAIGNEDirector
- Ecetia IntercommunaleDirector
Network & group
- Connected companies
- 92
Timeline
- Events
- 84
- Since
- 1979
- Next accounts
- by 31-07-2027
- 24-07-2025Resignations: Giuseppe MANIGLIA, Cécile FIRKET and 15…
- 04-02-2025Resignation: FORET Gilles (administrateur et vice préident…
- 31-12-2024Liquidity more than doubled
Company details
- Sites
- 1
- Legal form
- Cooperative company
- Activity
- Other financial servicesNACE 64999
- Founded
- 30-12-1929
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 65
- Annual meeting
- Fourth Tuesday of June at 18:30
- Purpose
- “3.2.Objet” (deed in French)
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What were this company's board, registered office and name on a given date?Company as of a date
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.