EcomDirect
ActiveSummary
EcomDirect has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50,887 and a net result of €7,243. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 91% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+71
Solvency100=
Growth74=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 6.67; short-term debt: 14.1% and cash: 18.4% of total assets), and 14.1% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.9%
Return on assets
12.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
70 d early
2023
112 d early
2022
136 d early
2021
89 d early
2020
94 d early
2019
54 d 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 79 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Turnover
€65,821▲ 9.8%
2021 · €59,922
EBIT margin
2.2%▲ 4.0pp
2021 · -1.9%
Net result
€7,243
2024 · -€2,088
Working capital
€47,498▲ 13.7%
2024 · €41,768
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€59,922€65,821▲ 9.8%
Operating result-€1,113€1,421-€6,352-€3,277▲ 48.4%€9,788
Net result-€2,528€1,283-€4,877-€2,088▲ 57.2%€7,243
EBIT margin-1.9%2.2%▲ 4.0pp
Equity€49,326▼ 4.9%€50,609▲ 2.6%€45,733▼ 9.6%€43,645▼ 4.6%€50,887▲ 16.6%
Total assets€53,537▼ 15.6%€55,011▲ 2.8%€49,387▼ 10.2%€43,884▼ 11.1%€59,271▲ 35.1%
Debt€4,211▼ 63.6%€4,402▲ 4.5%€3,654▼ 17.0%€239▼ 93.5%€8,384▲ 3,410%
Working capital€44,457▼ 3.3%€46,737▲ 5.1%€42,858▼ 8.3%€41,768▼ 2.5%€47,498▲ 13.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9,788 after a loss of €3,277 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59,271
Fixed assets
€3,390 ▲ 80.6%
Current assets
€55,882 ▲ 33.0%
Equity and liabilities €59,271
Equity
€50,887 ▲ 16.6%
Debt
€8,384 ▲ 3,410%
Debt's share of the balance-sheet total rises from 0.5% to 14.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11,553▲
2024 · -€2,280
Cash flow
€9,007▲
2024 · -€1,090
Current ratio
6.67
Debt to equity
0.16▲
2024 · 0.01
ROE
14.2%▲
2024 · -4.8%
ROA
12.2%▲
2024 · -4.8%
Interest coverage
12.50▲
2024 · -18.00
Debt ≤ 1 year
€8,384▲
2024 · €239
Income taxes
€3,163
Staff costs
€6,290
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% 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%.
| 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 31,324 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €59,922 | €65,821 | - | - | - | - |
| Non-recurring operating income76A | - | - | €2,000 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €62,032 | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | - | €6,290 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €997 | €997 | €997 | €997 | €1,765 | ▲ 76.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €9,006 | - |
| Other operating charges640/8 | - | €598 | €2,089 | - | €120 | - |
| Non-recurring operating charges66A | - | €772 | €1,046 | - | - | - |
| Gross operating margin9900 | €1,250 | €3,789 | -€2,221 | -€2,280 | €26,969 | ▲ 1,283% |
| Operating profit (loss)9901 | -€1,113 | €1,421 | -€6,352 | -€3,277 | €9,788 | ▲ 399% |
| Financial income75/76B | - | - | €1,542 | €1,316 | €1,541 | ▲ 17.1% |
| Recurring financial income75 | €2,484 | - | €1,542 | €1,316 | €1,541 | ▲ 17.1% |
| Financial charges65/66B | - | €105 | €67 | €127 | €924 | ▲ 629% |
| Recurring financial charges65 | €113 | €105 | €67 | €127 | €924 | ▲ 629% |
| Profit (loss) for the period before taxes9903 | €1,258 | €1,316 | -€4,877 | -€2,088 | €10,405 | ▲ 598% |
| Income taxes67/77 | €3,786 | €33 | - | - | €3,163 | - |
| Profit (loss) for the period9904 | -€2,528 | €1,283 | -€4,877 | -€2,088 | €7,243 | ▲ 447% |
| Profit (loss) for the period to be appropriated9905 | -€2,528 | €1,283 | -€4,877 | -€2,088 | €7,243 | ▲ 447% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €53,537 | €55,011 | €49,387 | €43,884 | €59,271 | ▲ 35.1% |
| Fixed assets21/28 | €4,869 | €3,872 | €2,874 | €1,877 | €3,390 | ▲ 80.6% |
| Tangible fixed assets22/27 | €3,664 | €2,667 | €1,669 | €672 | €2,185 | ▲ 225% |
| Plant, machinery and equipment23 | - | - | - | - | €1,338 | - |
| Furniture and vehicles24 | - | - | - | - | €847 | - |
| Other tangible fixed assets26 | - | €2,667 | €1,669 | €672 | €0 | ▼ 100% |
| Financial fixed assets28 | €1,205 | €1,205 | €1,205 | €1,205 | €1,205 | = |
| Current assets29/58 | €48,668 | €51,139 | €46,512 | €42,007 | €55,882 | ▲ 33.0% |
| Stocks and contracts in progress3 | €13,835 | €13,383 | €14,328 | €9,006 | €0 | ▼ 100% |
| Stocks30/36 | - | €13,383 | €14,328 | €9,006 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €22,528 | €26,116 | €26,521 | €29,978 | €44,995 | ▲ 50.1% |
| Trade receivables40 | - | €3,504 | €3,504 | €3,504 | €17,252 | ▲ 392% |
| Other amounts receivable41 | - | €22,613 | €23,018 | €26,475 | €27,743 | ▲ 4.8% |
| Cash at bank and in hand54/58 | €12,211 | €11,473 | €5,496 | €2,855 | €10,886 | ▲ 281% |
| Deferred charges and accrued income490/1 | - | €167 | €167 | €167 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €53,537 | €55,011 | €49,387 | €43,884 | €59,271 | ▲ 35.1% |
| Equity10/15 | €49,326 | €50,609 | €45,733 | €43,645 | €50,887 | ▲ 16.6% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,388 | €1,388 | €1,388 | €1,388 | €1,388 | = |
| Non-distributable reserves130/1 | - | €1,388 | €1,388 | €1,388 | €1,388 | = |
| Reserves not available under the articles1311 | - | €1,388 | €1,388 | €1,388 | €1,388 | = |
| Other1319 | - | - | - | - | €0 | - |
| Profit (loss) carried forward14 | €29,346 | €30,629 | €25,752 | €23,664 | €30,907 | ▲ 30.6% |
| Amounts payable17/49 | €4,211 | €4,402 | €3,654 | €239 | €8,384 | ▲ 3,410% |
| Amounts payable within one year42/48 | €4,211 | €4,402 | €3,654 | €239 | €8,384 | ▲ 3,410% |
| Trade debts44 | €4,211 | €2,883 | €3,621 | €206 | €0 | ▼ 100% |
| Suppliers440/4 | - | €2,883 | €3,621 | €206 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €1,519 | €33 | €33 | €8,384 | ▲ 25,017% |
| Taxes450/3 | - | €1,519 | €33 | €33 | €5,814 | ▲ 17,317% |
| Remuneration and social security454/9 | - | - | - | - | €2,570 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,528 | €1,283 | -€4,877 | -€2,088 | €7,243 | ▲ 447% |
| + Depreciation and write-downs630 | €997 | €997 | €997 | €997 | €1,765 | ▲ 76.9% |
| Operating cash flow (approximation) | -€1,531 | €2,280 | -€3,879 | -€1,090 | €9,007 | ▲ 926% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€3,277 | - |
| Change in cash | - | -€738 | -€5,977 | -€2,642 | €8,032 | ▲ 404% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €7,243
Net result €7,243 after 2 loss-making years.
19-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity times 14current ratio 175.85
Current ratio from 12.73 to 175.85; short-term debt falls from €3,654 to €239.
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-09
Financial
Back to profitnet €1,283
Net result €1,283 after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 11.56
Current ratio from 4.97 to 11.56; short-term debt falls from €11,582 to €4,211.
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €19,322 ▲904%
Operating result €19,850, net result €19,322, both a record.
07-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
30-09
Financial
Back to profitnet €1,924
Net result €1,924 after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 10.69
Current ratio from 4.97 to 10.69; short-term debt falls from €5,733 to €2,650.
21-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 153 days late
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 518 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 1998
Ground area
53 m²
Building footprint
52 m²
Volume, LiDAR
559 m³
Parcel 11805E0478/00W003, Flanders · tallest building 11.4 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Lange Zavelstraat 117, 2060 Antwerpen
since 19982.088.978.043
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11805E0478/00W003 | Flanders | 53 m² | 1 · 52 m² | 11.4 m · 4 fl. |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
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Of 12,956 companies in sector 47120 we hold annual accounts for 2,192. 1,507 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
Founded07-10-1998
Fiscal year end30-09
Activities, NACEBEL 2025
47120Other non-specialised retail sale
E-invoicing
Reachable via Peppol
Peppol ID
0208:0464309801
Also
9925:BE0464309801
Registered
04-03-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.