Summary
ECHOFIN 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 €26.3m and a net result of €465,387. Equity has been stable since 2018 (±2.4% per year). Its solvency ranks better than 91% of 3,028 sector peers (NACE 64, financial year 2025). The company has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 28-06-1991 Normal situation
- Activity
- Activities of holding companies NACE 64210
- Joint committees
- 100 Aanvullend Paritair Comité voor de werklieden
- 200 Aanvullend Paritair Comité voor de bedienden · annual accounts 2025
- Establishment unit
- 2.053.696.173 8870 Izegem, since 01-08-1991
- Financial year end
- 31 December
- Peppol
- Reachable since 09-12-2025
Board and ownership
Board
- 4 GC SARLManaging director · permanent representative Clement Jan
- 4 GC SARL naar Luxemburgs rechtDirector · since 28-06-2025
- 4CC BVDirector
- Holdings
- Shares in 6 companies including A.C.I. and A.C.N.
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €465,387
- ▲ 139%
- Equity
- €26.3m
- ▲ 1.8%
- Total assets
- €26.7m
- ▲ 2.1%
- Employees on 31-12-2025
- 9
- ▲ 12.5%
- 2025 accounts filed 31 days after the deadline
Filed on 31-08-2026
SignalsneutralA punctual record breaksShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
neutral
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
14 days early
2023
6 days early
2022
17 days early
2021
37 days early
2020
8 days early
2019
32 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 12 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 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 17 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, full format
2025 annual accounts filed 31 days after the deadline Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00461969.
Annual accounts 2025 filed on 31-08-2026 at the NBB all 34 filings
Equity
€26.3m▲ 1.8%
2024 · €25.8m
Net result
€465,387▲ 139%
2024 · €194,588
Total assets
€26.7m▲ 2.1%
2024 · €26.2m
Solvency
98.4%▼ 0.3pp
2024 · 98.6%
In the rankings
#3 company by equity in Izegem, Finance and insurance sector#6 employer in Izegem, Finance and insurance sector#6 company by total assets in Izegem, Finance and insurance sector
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is a profit of €29,998, after a loss of €52,613 in 2024.
Turnover€2.3m
2025
Operating result€0.03m
2025
Net result€0.5m
2025
Total assets€26.7m
2025
Equity€26.3m
2025
Debt€0.4m
2025
Working capital€12.3m
2025
Return on assets (ROA)1.7%
2025
Solvency98.4%
2025
Current ratio29.33
2025
Staff (FTE)8
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Turnover€0.7m-€1.0m▲ 48.4%€1.4m▲ 40.5%€1.8m▲ 29.0%€2.3m▲ 24.4%€2.6m▲ 13.1%€2.1m▼ 18.3%€2.3m▲ 9.6%
Operating result€0.02m--€0.05m€0.007m€0.3m▲ 37×€0.3m▲ 19.7%€0.3m▼ 6.9%-€0.05m€0.03m
Net result€0.3m-€0.3m▲ 3.5%-€0.005mbelow the sector's middle half€2.6mabove the sector's middle half€0.02mwithin the sector's middle half▼ 99.2%€0.6mwithin the sector's middle half▲ 29×€0.2mwithin the sector's middle half▼ 67.4%€0.5mwithin the sector's middle half▲ 139%
Equity€22.2m-€22.4m▲ 1.2%€22.4mabove the sector's middle half=€25.0mabove the sector's middle half▲ 11.4%€25.0mabove the sector's middle half▲ 0.1%€25.6mabove the sector's middle half▲ 2.4%€25.8mabove the sector's middle half▲ 0.8%€26.3mabove the sector's middle half▲ 1.8%
Total assets€22.5m-€22.7m▲ 1.0%€22.7mwithin the sector's middle half▼ 0.2%€28.0mwithin the sector's middle half▲ 23.4%€25.6mwithin the sector's middle half▼ 8.4%€26.5mwithin the sector's middle half▲ 3.5%€26.2mwithin the sector's middle half▼ 1.4%€26.7mwithin the sector's middle half▲ 2.1%
Debt€0.3m-€0.3m▼ 14.1%€0.3m▼ 11.1%€3.0m▲ 12×€0.6m▼ 79.1%€0.9m▲ 47.9%€0.4m▼ 61.7%€0.4m▲ 21.3%
Working capital€11.2m-€11.6m▲ 3.8%€9.9mabove the sector's middle half▼ 15.3%€11.6mabove the sector's middle half▲ 17.7%€12.4mabove the sector's middle half▲ 6.7%€11.1mabove the sector's middle half▼ 10.4%€12.3mabove the sector's middle half▲ 10.7%€12.3mabove the sector's middle half▲ 0.1%
Solvency98.5%-98.7%▲ 0.2pp98.8%above the sector's middle half▲ 0.1pp89.2%above the sector's middle half▼ 9.6pp97.5%above the sector's middle half▲ 8.3pp96.5%above the sector's middle half▼ 1.1pp98.6%above the sector's middle half▲ 2.1pp98.4%above the sector's middle half▼ 0.3pp
Current ratio33.68-40.52▲ 6.8438.63above the sector's middle half▼ 1.894.85above the sector's middle half▼ 33.7821.61above the sector's middle half▲ 16.7612.89above the sector's middle half▼ 8.7235.33above the sector's middle half▲ 22.4429.33above the sector's middle half▼ 6.00
Return on assets (ROA)1.1%-1.2%=0.0%within the sector's middle half▼ 1.2pp9.2%above the sector's middle half▲ 9.2pp0.1%within the sector's middle half▼ 9.1pp2.3%within the sector's middle half▲ 2.2pp0.7%within the sector's middle half▼ 1.5pp1.7%within the sector's middle half▲ 1.0pp
Staff (FTE)3.8-4.6▲ 21.1%3.9within the sector's middle half▼ 15.2%4.3within the sector's middle half▲ 10.3%5.1within the sector's middle half▲ 18.6%7.3within the sector's middle half▲ 43.1%7.4within the sector's middle half▲ 1.4%8within the sector's middle half▲ 8.1%
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26.7m
Fixed assets
€14.0m ▲ 3.4%
Current assets
€12.7m ▲ 0.7%
Equity and liabilities €26.7m
Equity
€26.3m ▲ 1.8%
Debt
€433,821 ▲ 21.3%
Debt's share of the balance-sheet total rises from 1.4% to 1.6%. Equity and debt are higher.
Key figures and ratios
ROE
1.8%▲
2024 · 0.8%
Debt ≤ 1 year
€433,821▲
2024 · €357,697
Income taxes
€96,051▲
2024 · €54,798
Staff costs
€659,427▲
2024 · €586,005
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 4 | 6 | 8 | 8 | 9 |
| full-time | 3 | 4 | 6 | 6 | 6 |
| part-time | 1 | 2 | 2 | 2 | 3 |
| in full-time equivalents | 3.8 | 5.7 | 7.7 | 7.7 | 8.5 |
| Average over the year, in full-time equivalents | 4.3 | 5.1 | 7.3 | 7.4 | 8 |
| On a permanent contract | 4 | 6 | 8 | 8 | 9 |
| Joined | 3 | 2 | 4 | 2 | 3 |
| Left | 3 | 0 | 2 | 2 | 2 |
| Agency workers, average number | 0.1 | 0.2 | - | - | - |
| Training hours | - | - | - | 4 | - |
Source: social balance sheet in the 2021 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €36,529 | €121,407 | €15,175 | - |
| Financial fixed assets | - | - | €17,673 | - | - |
| Depreciation and write-downs of the year | €98,546 | €99,015 | €122,625 | €128,256 | €125,804 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2022 to 2025 · 2 entries · €1,576 awarded · €1,576 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €107 | €107 |
| 2022 | 1 | €1,469 | €1,469 |
Comparable companies
These companies have the same main activity as ECHOFIN: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €21m and €39m, founded between 1986 and 1999.
| Company | Founded | Total assets | Equity | Turnover | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| ECHOFIN Izegem | 1991 | €26.7m | €26.3m | €2.3m | €0.5m | 8 | 2025 |
| pgb-International Merelbeke-Melle | 1986 | €29.7m | €25.4m | €2.2m | €1.9m | 7.2 | 2025 |
| Verbeken Holding Dendermonde | 1993 | €23.8m | €18.7m | €2.1m | €0.3m | 10.1 | 2025 |
| GOFIBEL Soignies | 1994 | €34.9m | €7.5m | €2.4m | €0.5m | 5.5 | 2025 |
| Delmulle Holding Wortegem-Petegem | 1999 | €39.0m | €37.8m | €2.1m | €0.02m | 7.3 | 2025 |
| PUR NATUR INVEST Kruisem | 1988 | €26.0m | €15.7m | €3.9m | €0.2m | 9.4 | 2025 |
| BELMAGRI HOLDING Kinrooi | 1989 | €20.7m | €19.5m | €1.3m | €0.2m | 7.2 | 2025 |
They were chosen from the 20,095 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | - | €1.9m | €2.3m | €2.6m | €2.1m | €2.4m | ▲ 10.4% |
| Turnover70 | €0.7m | €1.0m | €1.4m | €1.8m | €2.3m | €2.6m | €2.1m | €2.3m | ▲ 9.6% |
| Other operating income74 | - | - | - | €0.04m | €0.04m | €0.04m | €0.05m | €0.07m | ▲ 50.1% |
| Non-recurring operating income76A | - | - | - | - | - | - | €0.002m | €0 | ▼ 100% |
| Operating charges60/66A | - | - | - | €1.6m | €2.0m | €2.3m | €2.2m | €2.3m | ▲ 6.4% |
| Services and other goods61 | - | - | - | €1.0m | €1.3m | €1.4m | €1.5m | €1.5m | ▲ 4.6% |
| Remuneration, social security and pensions62 | - | - | - | €0.5m | €0.6m | €0.8m | €0.6m | €0.7m | ▲ 12.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.09m | €0.1m | €0.09m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | ▼ 1.9% |
| Other operating charges640/8 | - | - | - | €0.01m | €0.009m | €0.01m | €0.01m | €0.01m | ▲ 23.6% |
| Non-recurring operating charges66A | - | - | - | €0 | - | - | - | - | - |
| Operating profit (loss)9901 | €0.02m | -€0.05m | €0.007m | €0.3m | €0.3m | €0.3m | -€0.05m | €0.03m | - |
| Financial income75/76B | - | - | - | €2.6m | €0.3m | €0.2m | €0.3m | €0.6m | ▲ 104% |
| Recurring financial income75 | €0.5m | €0.4m | €0.3m | €2.6m | €0.3m | €0.2m | €0.3m | €0.6m | ▲ 104% |
| Income from financial fixed assets750 | - | - | - | €1.9m | €0.1m | €0.2m | €0.2m | €0.2m | ▲ 4.3% |
| Income from current assets751 | - | - | - | €0.08m | €0.07m | €0.07m | €0.08m | €0.1m | ▲ 67.9% |
| Other financial income752/9 | - | - | - | €0.6m | €0.1m | €0.008m | €0.05m | €0.3m | ▲ 502% |
| Financial charges65/66B | - | - | - | €0.007m | €0.5m | -€0.2m | -€0.008m | €0.07m | - |
| Recurring financial charges65 | €0.1m | -€0.04m | €0.2m | €0.007m | €0.5m | -€0.2m | -€0.008m | €0.07m | - |
| Debt charges650 | - | - | - | €358 | €0 | - | €35 | €0.002m | ▲ 57× |
| Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651 | - | - | - | -€0.06m | €0.3m | -€0.2m | -€0.03m | -€0.03m | ▼ 2.3% |
| Other financial charges652/9 | - | - | - | €0.07m | €0.1m | €0.03m | €0.02m | €0.09m | ▲ 434% |
| Profit (loss) for the period before taxes9903 | €0.4m | €0.4m | €0.07m | €2.8m | €0.2m | €0.7m | €0.2m | €0.6m | ▲ 125% |
| Income taxes67/77 | €0.1m | €0.09m | €0.07m | €0.3m | €0.2m | €0.1m | €0.05m | €0.1m | ▲ 75.3% |
| Taxes670/3 | - | - | - | €0.3m | €0.2m | €0.1m | €0.06m | €0.1m | ▲ 69.6% |
| Tax adjustments and reversals of tax provisions77 | - | - | - | €0 | €227 | €0.002m | €0.002m | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €0.3m | €0.3m | -€0.005m | €2.6m | €0.02m | €0.6m | €0.2m | €0.5m | ▲ 139% |
| Profit (loss) for the period to be appropriated9905 | €0.3m | €0.3m | -€0.005m | €2.6m | €0.02m | €0.6m | €0.2m | €0.5m | ▲ 139% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €22.5m | €22.7m | €22.7m | €28.0m | €25.6m | €26.5m | €26.2m | €26.7m | ▲ 2.1% |
| Fixed assets21/28 | €11.0m | €10.8m | €12.6m | €13.4m | €12.7m | €14.5m | €13.5m | €14.0m | ▲ 3.4% |
| Tangible fixed assets22/27 | €2.0m | €1.9m | €1.8m | €1.7m | €1.6m | €1.6m | €1.5m | €1.4m | ▼ 8.3% |
| Land and buildings22 | - | - | - | €1.7m | €1.6m | €1.5m | €1.4m | €1.3m | ▼ 6.4% |
| Plant, machinery and equipment23 | - | - | - | - | - | €0.02m | €0.01m | €0.008m | ▼ 22.7% |
| Furniture and vehicles24 | - | - | - | €0.03m | €0.06m | €0.1m | €0.1m | €0.06m | ▼ 35.6% |
| Financial fixed assets28 | €9.0m | €8.9m | €10.8m | €11.7m | €11.0m | €12.9m | €12.0m | €12.6m | ▲ 4.9% |
| Affiliated companies280/1 | - | - | - | €11.7m | €11.0m | €12.9m | €12.0m | €12.6m | ▲ 4.9% |
| Participating interests280 | - | - | - | €7.1m | €7.1m | €7.1m | €7.1m | €7.1m | = |
| Amounts receivable281 | - | - | - | €4.6m | €3.9m | €5.7m | €4.9m | €5.5m | ▲ 11.9% |
| Current assets29/58 | €11.6m | €11.9m | €10.1m | €14.6m | €13.0m | €12.0m | €12.6m | €12.7m | ▲ 0.7% |
| Stocks and contracts in progress3 | - | €0 | €0 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts receivable within one year40/41 | €0.9m | €1.3m | €1.9m | €1.9m | €2.9m | €3.5m | €3.7m | €3.1m | ▼ 16.3% |
| Trade receivables40 | - | - | - | €0.7m | €2.0m | €2.6m | €2.5m | €1.4m | ▼ 43.4% |
| Other amounts receivable41 | - | - | - | €1.1m | €1.0m | €0.9m | €1.2m | €1.7m | ▲ 38.1% |
| Current investments50/53 | €8.0m | €7.6m | €6.9m | €4.6m | €3.4m | €3.9m | €3.8m | €8.2m | ▲ 117% |
| Other investments51/53 | - | - | - | €4.6m | €3.4m | €3.9m | €3.8m | €8.2m | ▲ 117% |
| Cash at bank and in hand54/58 | €2.6m | €2.9m | €1.2m | €7.9m | €6.5m | €4.5m | €5.0m | €1.2m | ▼ 75.3% |
| Deferred charges and accrued income490/1 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | ▲ 32.8% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €22.5m | €22.7m | €22.7m | €28.0m | €25.6m | €26.5m | €26.2m | €26.7m | ▲ 2.1% |
| Equity10/15 | €22.2m | €22.4m | €22.4m | €25.0m | €25.0m | €25.6m | €25.8m | €26.3m | ▲ 1.8% |
| Contributions10/11 | €9.3m | €9.3m | - | €9.3m | €9.3m | €9.3m | €9.3m | €9.3m | = |
| Reserves13 | €12.9m | €13.1m | €13.1m | €15.7m | €15.7m | €16.3m | €16.5m | €17.0m | ▲ 2.8% |
| Non-distributable reserves130/1 | - | - | - | €0.2m | €0.2m | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.2m | €0.2m | €0 | - | - | - |
| Distributable reserves133 | - | - | - | €15.5m | €15.5m | €16.3m | €16.5m | €17.0m | ▲ 2.8% |
| Profit (loss) carried forward14 | €0.005m | €0.001m | €0.001m | €0.001m | €172 | €0.001m | €236 | €0.001m | ▲ 164% |
| Amounts payable17/49 | €0.3m | €0.3m | €0.3m | €3.0m | €0.6m | €0.9m | €0.4m | €0.4m | ▲ 21.3% |
| Amounts payable within one year42/48 | €0.3m | €0.3m | €0.3m | €3.0m | €0.6m | €0.9m | €0.4m | €0.4m | ▲ 21.3% |
| Trade debts44 | €0.04m | €0.1m | €0.08m | €0.2m | €0.2m | €0.6m | €0.1m | €0.2m | ▲ 49.5% |
| Suppliers440/4 | - | - | - | €0.2m | €0.2m | €0.6m | €0.1m | €0.2m | ▲ 49.5% |
| Taxes, remuneration and social security45 | - | - | - | €0.3m | €0.4m | €0.3m | €0.2m | €0.3m | ▲ 10.4% |
| Taxes450/3 | - | - | - | €0.2m | €0.3m | €0.2m | €0.1m | €0.1m | ▼ 3.1% |
| Remuneration and social security454/9 | - | - | - | €0.07m | €0.1m | €0.1m | €0.1m | €0.1m | ▲ 28.3% |
| Other amounts payable47/48 | - | - | - | €2.5m | €28 | €0.02m | €0.02m | €0.02m | = |
| Accrued charges and deferred income492/3 | - | - | - | - | €0.03m | €0 | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.3m | €0.3m | -€0.005m | €2.6m | €0.02m | €0.6m | €0.2m | €0.5m | ▲ 139% |
| + Depreciation and write-downs630 | €0.09m | €0.1m | €0.09m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | ▼ 1.9% |
| Operating cash flow (approximation) | €0.4m | €0.4m | €0.09m | €2.7m | €0.1m | €0.7m | €0.3m | €0.6m | ▲ 83.1% |
| Investment in fixed assets (approximation) | - | €0.06m | -€1.9m | -€0.9m | €0.6m | -€2.0m | €0.9m | -€0.6m | - |
| Change in cash | - | €0.3m | -€1.8m | €6.8m | -€1.4m | -€2.0m | €0.5m | -€3.8m | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 34 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | full format | 31-08-2026 | 2026-00461969 | NBB |
| 31-12-2024 | full format | 17-07-2025 | 2025-00286192 | |
| 31-12-2023 | full format | 25-07-2024 | 2024-00284414 | |
| 31-12-2022 | full format | 14-07-2023 | 2023-00236515 | |
| 31-12-2021 | full format | 24-06-2022 | 2022-20089326 | |
| 31-12-2020 | full format | 23-07-2021 | 2021-39200236 | |
| 31-12-2019 | full format | 29-06-2020 | 2020-23000156 | |
| 31-12-2018 | full format | 30-07-2019 | 2019-41200556 | |
| 31-12-2017 | full format | 07-08-2018 | 2018-44100133 | |
| 31-12-2016 | full format | 14-07-2017 | 2017-31700176 |
Board & ownership
Directors
Directors
2 directors, 1 in day-to-day management, last change in 2025
Board 2
4 GC SARL naar Luxemburgs recht
Current
Director · since 28-06-2025 · Legal entity · listed in the 2025 annual accounts, filed on 31-08-2026
4CC BV
Current
Director · Legal entity · listed in the 2025 annual accounts, filed on 31-08-2026
Day-to-day management 1
4 GC SARL
Current
Managing director · appointed in the act of 15-09-2025 · Legal entity · permanent representative: Clement Jan
Permanent representatives 1
Clement Jan
Current
Permanent representative · appointed in the act of 15-09-2025 · for 4 GC SARL
Signing authorityThe articles say who may bind the company, for example by signing a contract.
The chair alone, or a managing director alone
deed of 15-09-2025Owners and capital
Owners
Mandate history
5 people, 3 in office
- Board
- Day-to-day management
- began earlier
- end not dated
| Name | Functions and periods |
|---|---|
| 4 GC SARL naar Luxemburgs recht |
|
| 4CC BV |
|
| 4 GC SARL |
|
| 4CC |
|
| 4GC |
|
Network & group
Holdings and subsidiaries
6 holdingsHoldings 6
Source for every holding own accounts 2025
- A.C.I.subsidiaryEquity €4.3m Loss of €519,747 in 2025 (profit of €136,891 in 2024) Checked score 82100%
- A.C.N.subsidiaryEquity €9.1m Profit of €1.1m in 2025 (profit of €2.5m in 2024) Checked score 88100%
- BaldwinsubsidiaryEquity €812,300 Profit of €110,969 in 2025 (profit of €16,401 in 2024) Checked score 84100%
- CLEMENT PHARMAsubsidiaryEquity €860,587 Loss of €160,504 in 2025 (profit of €47,328 in 2024) Checked score 86100%
- O.C.I.subsidiaryEquity €3.1m Profit of €125,877 in 2025 (profit of €252,619 in 2024) Checked score 97100%
- R.C.I.subsidiaryEquity €1.6m Loss of €17,775 in 2025 (profit of €140,079 in 2024) Checked score 94100%
Companies at the same address
6 other companiesConnections & network
2 current directorsThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This company
Company
Director
Shareholding
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Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
31-08
full format · 31 days late
2025
15-09
Gazette deed
Appointment: 4 GC SARL (managing director)Permanent representatives: Clement Jan and Els VANDECAPPELLE4 points ▸
Gazette deed
Appointment: 4 GC SARL (managing director)
Permanent representatives: Clement Jan and Els VANDECAPPELLE4 points ▸
- Board meeting, 28-06-2025
- Director appointment, 4 GC SARL (managing director)
- Permanent representative, Clement Jan
- Permanent representative, Els VANDECAPPELLE
17-07
full format · 14 days before the deadline
2024
31-12
Financial
Liquidity more than doubledcurrent ratio 35.33
The current ratio rises from 12.89 to 35.33. Short-term debt falls from €933,141 to €357,697.
25-07
full format · 6 days before the deadline
2023
05-10
Gazette deed
Reappointments: 4GC (director) and 4CC (director)Permanent representatives: Jan CLEMENT and Els VANDECAPPELLE · Capital conversion · Amendment of the articles15 points ▸
Gazette deed
Reappointments: 4GC (director) and 4CC (director)
Permanent representatives: Jan CLEMENT and Els VANDECAPPELLE · Capital conversion · Amendment of the articles15 points ▸
- General meeting, 18-09-2023
- Capital conversion, “Wet van 23-03-2019 tot invoering van het Wetboek van vennootschappen en verenigingen”, 01-01-2020 (deed in Dutch)
- Other provision, “overzetting onbeschikbare naar beschikbare eigen vermogensrekening” (deed in Dutch)
- Amendment of the articles, mentioned 5 times in the deed
- Other provision, “verslag bestuursorgaan over voorwerpwijziging, artikel 5:101 Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Purpose change
- Director reappointment, 4GC (director)
- Director reappointment, 4CC (director)
- Permanent representative, Jan CLEMENT
- Permanent representative, Els VANDECAPPELLE
- Power of attorney
- Power of attorney, Andreas LAGA
- The act holds 3 more points.
14-07
full format · 17 days before the deadline
2022
31-12
Financial
Liquidity more than quadruplescurrent ratio 21.61
The current ratio rises from 4.85 to 21.61. Short-term debt falls from €3.0m to €600,759.
31-12
Financial
Equity above €25mequity €25.0m ▲0.1%
After 2 profitable years in a row, equity reaches €25.0m.
24-06
full format · 37 days before the deadline
2021
31-12
Financial
Back to profitnet €2.6m
The net result is €2.6m, after one loss-making year.
23-07
full format · 8 days before the deadline
Show earlier events
2020
31-12
Financial
Weakest financial yearnet -€5,047
The net result drops to -€5,047, the lowest from 2018 to 2025. It recovers the following year.
29-06
full format · 32 days before the deadline
2019
30-07
full format · 1 day before the deadline
2018
07-08
full format · 7 days late
2017
14-07
full format · 17 days before the deadline
1991
26-07
Gazette deed
Incorporation
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
ECHOFIN in Dutch
Enterprise number
0444.462.908
Legal form
Private limited company
Status
Active, normale toestand
Founded
28-06-1991
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 05-10-2023 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 05-10-2023 (in Dutch)Registered office and establishments
Registered office
Lodewijk de Raetlaan 16, 8870 Izegem, Belgium
Establishment unit
CLEMENT, Lodewijk de Raetlaan 16, 8870 Izegem since 01-08-1991 · unit number 2.053.696.173
Activities
NACEBEL 2025VAT activities
64210
Activities of holding companies main activity
Social security (RSZ) activities
64210
Activities of holding companies main activity
Codes under NACEBEL 2008
VAT activities
64200
Holdings main activity
Social security (RSZ) activities
64200
Holdings main activity
Codes under NACEBEL 2003
74151
main activity
Joint committees
100 Aanvullend Paritair Comité voor de werklieden
200 Aanvullend Paritair Comité voor de bedienden annual accounts 2025
Invoicing and payment
VAT number
BE 0444.462.908
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Saturday of June at 18:00
deed of 05-10-2023 (in Dutch)Recognitions · licences · registrations
Legal Entity Identifier
9676006BC3OGDCSSF342
Sites & property
Location
Buildings and parcels at the address
Ground area
1.1 ha
Building footprint
1.9 ha
Building volume
87,171 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 36492A0306/00R002 | Flanders | 1.1 ha | 1 · 1.9 ha | 9.0 m · 2 |