ECT
ActiveSummary
The annual accounts of ECT for fiscal year 2025 show a net loss of 74% of the equity at the start of that year. The 2025 annual accounts show equity of €5,701 and a net result of -€16,415. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 2067 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency35▼-33
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.04 against 1.69 in 2024; short-term debt: 90.2% and cash: 18.2% of total assets), and 90.2% of the assets are financed with debt.
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Signals
Six 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 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← 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
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 2025Solvency, return and age of the figures
Solvency
9.8%
Return on assets
-28.2%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€16,415
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 2067 sector peers (2025).
NBB · sector comparisonPosition among 2067 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
1 d early
2022
on the day
2021
3 d early
2020
3 d early
2019
11 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 3 days before the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€5,701▼ 74.2%
2024 · €22,116
Total assets
€58,228▲ 14.1%
2024 · €51,023
Net result
-€16,415▲ 17.9%
2024 · -€19,991
Working capital
€2,163▼ 89.1%
2024 · €19,881
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
Operating result€98,827€24,243▼ 75.5%€6,738▼ 72.2%-€19,696-€15,633▲ 20.6%
Net result€95,003€16,727▼ 82.4%€4,408▼ 73.6%-€19,991-€16,415▲ 17.9%
Equity€20,973€37,699▲ 79.8%€42,107▲ 11.7%€22,116▼ 47.5%€5,701▼ 74.2%
Total assets€117,144▼ 9.5%€75,895▼ 35.2%€95,015▲ 25.2%€51,023▼ 46.3%€58,228▲ 14.1%
Debt€96,172▼ 52.7%€38,196▼ 60.3%€52,908▲ 38.5%€28,908▼ 45.4%€52,527▲ 81.7%
Working capital-€17,880▲ 84.7%€35,016€38,268▲ 9.3%€19,881▼ 48.0%€2,163▼ 89.1%
Staff (FTE)1.1▼ 63.3%0.3▼ 72.7%0.9▲ 200%0.3▼ 66.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15,633 in 2025 against €19,696 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58,228
Fixed assets
€3,538 ▲ 58.3%
Current assets
€54,689 ▲ 12.1%
Equity and liabilities €58,228
Equity
€5,701 ▼ 74.2%
Debt
€52,527 ▲ 81.7%
Debt's share of the balance-sheet total rises from 56.7% to 90.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€13,962▲
2024 · -€18,093
Cash flow
-€14,744▲
2024 · -€18,388
Current ratio
1.04▼
2024 · 1.69
Debt to equity
9.21▲
2024 · 1.31
ROE
-287.9%▼
2024 · -90.4%
ROA
-28.2%▲
2024 · -39.2%
Interest coverage
-14.54▲
2024 · -38.33
Debt ≤ 1 year
€52,527▲
2024 · €28,908
Staff costs
€15,721▼
2024 · €15,901
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 542 companies that looked in July 2024 the way this one looks now, 4.4% went bankrupt within 24 months and 86% are still going.
- Micro
- 20 years or older
- solvency under 10%
- a loss of 10% of the balance sheet or more
4.4%
went bankrupt
8.7%
stopped otherwise
86%
still going
A further 1.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 542 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €13,340 | €20,036 | €15,901 | €15,721 | ▼ 1.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,765 | €2,288 | €1,968 | €1,604 | €1,671 | ▲ 4.2% |
| Other operating charges640/8 | - | €458 | €155 | €45 | €171 | ▲ 284% |
| Gross operating margin9900 | €134,718 | €40,329 | €28,897 | -€2,147 | €1,930 | ▲ 190% |
| Operating profit (loss)9901 | €98,827 | €24,243 | €6,738 | -€19,696 | -€15,633 | ▲ 20.6% |
| Financial income75/76B | - | €40 | €554 | €177 | €179 | ▲ 0.8% |
| Recurring financial income75 | €1,613 | €40 | €554 | €177 | €179 | ▲ 0.8% |
| Financial charges65/66B | - | €738 | €530 | €472 | €960 | ▲ 103% |
| Recurring financial charges65 | €1,461 | €738 | €530 | €472 | €960 | ▲ 103% |
| Profit (loss) for the period before taxes9903 | €98,979 | €23,546 | €6,762 | -€19,991 | -€16,415 | ▲ 17.9% |
| Income taxes67/77 | €3,976 | €6,819 | €2,354 | - | - | - |
| Profit (loss) for the period9904 | €95,003 | €16,727 | €4,408 | -€19,991 | -€16,415 | ▲ 17.9% |
| Profit (loss) for the period to be appropriated9905 | €95,003 | €16,727 | €4,408 | -€19,991 | -€16,415 | ▲ 17.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €117,144 | €75,895 | €95,015 | €51,023 | €58,228 | ▲ 14.1% |
| Fixed assets21/28 | €38,853 | €2,683 | €3,839 | €2,235 | €3,538 | ▲ 58.3% |
| Tangible fixed assets22/27 | €38,853 | €2,683 | €3,839 | €2,235 | €3,538 | ▲ 58.3% |
| Furniture and vehicles24 | - | €2,409 | €3,839 | €2,235 | €2,609 | ▲ 16.7% |
| Other tangible fixed assets26 | - | €274 | - | - | €930 | - |
| Current assets29/58 | €78,292 | €73,212 | €91,177 | €48,788 | €54,689 | ▲ 12.1% |
| Amounts receivable within one year40/41 | €63,792 | €35,228 | €59,191 | €45,942 | €43,989 | ▼ 4.3% |
| Trade receivables40 | - | €32,915 | €56,497 | €43,101 | €43,989 | ▲ 2.1% |
| Other amounts receivable41 | - | €2,313 | €2,694 | €2,841 | - | - |
| Cash at bank and in hand54/58 | €13,221 | €36,484 | €31,985 | €1,245 | €10,610 | ▲ 752% |
| Deferred charges and accrued income490/1 | - | €1,500 | - | €1,601 | €91 | ▼ 94.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €117,144 | €75,895 | €95,015 | €51,023 | €58,228 | ▲ 14.1% |
| Equity10/15 | €20,973 | €37,699 | €42,107 | €22,116 | €5,701 | ▼ 74.2% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | - | €1,859 | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,859 | - | - | - | - |
| Distributable reserves133 | - | - | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | €522 | €17,248 | €21,656 | €1,665 | -€14,750 | ▼ 986% |
| Amounts payable17/49 | €96,172 | €38,196 | €52,908 | €28,908 | €52,527 | ▲ 81.7% |
| Amounts payable within one year42/48 | €96,172 | €38,196 | €52,908 | €28,908 | €52,527 | ▲ 81.7% |
| Financial debts43 | - | - | - | €2,461 | - | - |
| Credit institutions430/8 | - | - | - | €2,461 | - | - |
| Trade debts44 | €82,275 | €27,306 | €34,874 | €20,102 | €26,742 | ▲ 33.0% |
| Suppliers440/4 | - | €27,306 | €34,874 | €20,102 | €26,742 | ▲ 33.0% |
| Advances received on contracts in progress46 | - | - | - | €720 | €2,402 | ▲ 234% |
| Taxes, remuneration and social security45 | - | €10,080 | €17,272 | €4,763 | €2,411 | ▼ 49.4% |
| Taxes450/3 | - | €9,360 | €16,687 | €4,763 | €2,411 | ▼ 49.4% |
| Remuneration and social security454/9 | - | €720 | €584 | - | - | - |
| Other amounts payable47/48 | - | €810 | €763 | €862 | €20,972 | ▲ 2,333% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €95,003 | €16,727 | €4,408 | -€19,991 | -€16,415 | ▲ 17.9% |
| + Depreciation and write-downs630 | €7,765 | €2,288 | €1,968 | €1,604 | €1,671 | ▲ 4.2% |
| Operating cash flow (approximation) | €102,768 | €19,015 | €6,376 | -€18,388 | -€14,744 | ▲ 19.8% |
| Investment in fixed assets (approximation) | - | €33,881 | -€3,124 | €0 | -€2,974 | - |
| Change in cash | - | €23,264 | -€4,499 | -€30,740 | €9,365 | ▲ 130% |
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity doublescurrent ratio 1.92
Current ratio from 0.81 to 1.92; short-term debt falls from €96,172 to €38,196.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €95,003
Net result €95,003 after 2 loss-making years.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet -€64,046
Net result drops to -€64,046, the lowest in the series; recovery starts the following year.
20-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
24-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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 1995
Ground area
333 m²
Building footprint
155 m²
Volume, LiDAR
1,238 m³
Parcel 11051B0379/00Y000, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
ECT BV
since 19952.073.936.808
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11051B0379/00Y000 | Flanders | 333 m² | 1 · 155 m² | 9.5 m · 3 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
2024 · 1 entry · 30 EUR awarded · 30 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 30 EUR | 30 EUR |
Recognitions · licences · registrations
Dual-learning approval
7 endedAdministratief medewerker kmo (so)
Polyvalent administratief ondersteuner (vwo)
Polyvalent administratief ondersteuner duaal (so)
Verkoper (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Administratief medewerker (so)
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Of 3,020 companies in sector 85592 we hold annual accounts for 989. 357 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
Founded24-10-1995
Fiscal year end30-06
Activities, NACEBEL 2025
78100Employment placement agencies
85592Vocational training
46494Wholesale of non-electrical household articles
47400Retail sale of information and communication equipment
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
85599Other education
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0456352435
Registered
19-12-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.