ECOPHISA
ActiveSummary
ECOPHISA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €280k and a net result of €117. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 83% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-9
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 4.81 against 4.77 in 2024; short-term debt: 17.4% and cash: 64.4% of total assets), and 17.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
82.4%
Return on assets
0%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
30 d late
2022
27 d late
2021
61 d late
2020
16 d late
2019
39 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€280k=
2024 · €280k
2018: €167k
2019: €169k
2020: €181k
2021: €236k
2022: €255k
2023: €256k
2024: €280k
2018 → 2025
Total assets
€340k▲ 1.7%
2024 · €335k
2018: €170k
2019: €193k
2020: €201k
2021: €262k
2022: €279k
2023: €310k
2024: €335k
2018 → 2025
Net result
€117▼ 99.5%
2024 · €24k
2018: €28k
2019: €1k
2020: €12k
2021: €55k
2022: €19k
2023: €21k
2024: €24k
2018 → 2025
Working capital
€226k▲ 11.4%
2024 · €203k
2018: €156k
2019: €153k
2020: €151k
2021: €207k
2022: €219k
2023: €153k
2024: €203k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€236k-€255k▲ 8.2%€256k▲ 0.2%€280k▲ 9.5%€280k=
Operating result€75k-€26k▼ 64.9%€22k▼ 15.4%€37k▲ 67.1%€4k▼ 88.9%
Net result€55k-€19k▼ 64.9%€21k▲ 6.2%€24k▲ 17.7%€117▼ 99.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 89% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €340k
Fixed assets
€55k ▼ 29.3%
Current assets
€285k ▲ 11.1%
Equity and liabilities €340k
Equity
€280k =
Debt
€60k ▲ 10.1%
Debt's share of the balance-sheet total rises from 16.3% to 17.6%. Debt is higher.
Key figures and ratios
EBITDA
€29k▼
2024 · €64k
Cash flow
€25k▼
2024 · €51k
Current ratio
4.81▲
2024 · 4.77
Debt to equity
0.21▲
2024 · 0.19
ROE
0.0%▼
2024 · 8.6%
ROA
0.0%▼
2024 · 7.2%
Interest coverage
201.98▼
2024 · 1092.69
Debt ≤ 1 year
€59k▲
2024 · €54k
Income taxes
€4k▼
2024 · €13k
Staff costs
€264▼
2024 · €802
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€335k€340k▲
Fixed assets21/28€78k€55k▼
Tangible fixed assets22/27€78k€55k▼
Plant, machinery and equipment23€12k€7k▼
Furniture and vehicles24€65k€48k▼
Other tangible fixed assets26€684-
Current assets29/58€256k€285k▲
Amounts receivable within one year40/41€72k€64k▼
Trade receivables40€66k€58k▼
Other amounts receivable41€6k€6k▲
Cash at bank and in hand54/58€180k€219k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€335k€340k▲
Equity10/15€280k€280k=
Contributions10/11€12k€12k=
Reserves13€90k€90k=
Distributable reserves133€90k€90k=
Profit (loss) carried forward14€178k€178k▲
Amounts payable17/49€54k€60k▲
Amounts payable within one year42/48€54k€59k▲
Trade debts44€17k€14k▼
Suppliers440/4€17k€14k▼
Taxes, remuneration and social security45€9k€13k▲
Taxes450/3€9k€13k▲
Other amounts payable47/48€28k€32k▲
Accrued charges and deferred income492/3€750€750=
Income statement
Code20242025
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€802€264▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€24k▼
Other operating charges640/8€6k€766▼
Gross operating margin9900€71k€30k▼
Operating profit (loss)9901€37k€4k▼
Financial income75/76B€21€1▼
Recurring financial income75€21€1▼
Financial charges65/66B€59€141▲
Recurring financial charges65€59€141▲
Profit (loss) for the period before taxes9903€37k€4k▼
Income taxes67/77€13k€4k▼
Profit (loss) for the period9904€24k€117▼
Profit (loss) for the period to be appropriated9905€24k€117▼
Appropriation of the result
Profit (loss) to be appropriated9906€202k€178k▼
Profit (loss) brought forward from the previous period14P€178k€178k▲
Transfer to equity691/2€24k-
To other reserves6921€24k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €117 ▼99.5%
Net result drops to €117, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Highest result since 2018net €55k ▲349%
Operating result €75k, net result €55k, both a record.
31-12
Financial
Equity above €200kEq €236k ▲30.5%
4 profitable years in a row build equity to €236k.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
13-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 44 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Malmedy · 1 establishment unit since 2012
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.
Bellev. Rue Godefroid de Belvâ 174960 Malmedy1 establishment unit
ECOPHISA
since 20122.210.653.853
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Of 4,420 companies in sector 46180 we hold annual accounts for 1,886. 1,315 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-2012
Fiscal year end31-12
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
71121Engineering and related technical consultancy, excluding land surveyors
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filings
Scores and ratios are computed by Checked and are not a credit decision.