EF-BO
ActiveThe computed 12-month bankruptcy probability of EF-BO is 1.7% (moderate). The 2025 annual accounts show equity of €210k and a net result of €46k. Equity is growing by ~40.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 27559 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-9
Solvency98▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 3.97 against 2.43 in 2024; short-term debt: 23.8% and cash: 5.1% of total assets), and 26.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
73.4%
Return on assets
16.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 6 filingsDeviation from the deadline
2025
30 d late
2024
56 d late
2023
57 d late
2022
26 d late
2021
27 d late
2020
29 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€210k▲ 28.3%
2024 · €163k
2020: €31k
2021: €51k
2022: €88k
2023: €97k
2024: €163k
2020 → 2025
Total assets
€285k▲ 1.2%
2024 · €282k
2020: €75k
2021: €93k
2022: €125k
2023: €195k
2024: €282k
2020 → 2025
Net result
€46k▼ 30.5%
2024 · €67k
2020: €29k
2021: €20k
2022: €37k
2023: €9k
2024: €67k
2020 → 2025
Working capital
€202k▲ 49.3%
2024 · €135k
2020: €22k
2021: €34k
2022: €68k
2023: €75k
2024: €135k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€88k▲ 72.7%€97k▲ 10.0%€163k▲ 68.8%€210k▲ 28.3%
Operating result€23k-€50k▲ 118%€34k▼ 32.1%€77k▲ 125%€56k▼ 26.5%
Net result€20k-€37k▲ 84.4%€9k▼ 76.3%€67k▲ 660%€46k▼ 30.5%
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 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €285k
Fixed assets
€16k▼ 70.3%
Current assets
€270k▲ 17.5%
Equity and liabilities €285k
Equity
€210k▲ 28.3%
Debt
€76k▼ 36.1%
The debt ratio falls from 42.1% to 26.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€93k▼
2024 · €115k
Cash flow
€83k▼
2024 · €105k
Solvency
73.4%▲
2024 · 57.9%
Current ratio
3.97▲
2024 · 2.43
Quick ratio
3.72▲
2024 · 2.43
Debt / equity
0.36▼
2024 · 0.73
ROE
22.1%▼
2024 · 40.8%
ROA
16.2%▼
2024 · 23.6%
Interest coverage
34.76▲
2024 · 30.69
Debt
€76k▼
2024 · €119k
Debt ≤ 1 year
€68k▼
2024 · €94k
Debt > 1 year
€8k▼
2024 · €24k
Income taxes
€8k▲
2024 · €7k
Staff costs
€627k▲
2024 · €565k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€282k€285k▲
Fixed assets21/28€52k€16k▼
Tangible fixed assets22/27€52k€15k▼
Plant, machinery and equipment23€2k-
Furniture and vehicles24€49k€15k▼
Financial fixed assets28€630€630=
Current assets29/58€230k€270k▲
Stocks and contracts in progress3-€17k
Stocks30/36-€17k
Amounts receivable within one year40/41€154k€238k▲
Trade receivables40€133k€228k▲
Other amounts receivable41€22k€10k▼
Cash at bank and in hand54/58€74k€15k▼
Deferred charges and accrued income490/1€2k€27▼
Equity and liabilities
Total equity and liabilities10/49€282k€285k▲
Equity10/15€163k€210k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€161k€208k▲
Amounts payable17/49€119k€76k▼
Amounts payable after more than one year17€24k€8k▼
Financial debts170/4€24k€8k▼
Amounts payable within one year42/48€94k€68k▼
Current portion of amounts payable after more than one year42€28k€16k▼
Trade debts44€11k€9k▼
Suppliers440/4€11k€9k▼
Taxes, remuneration and social security45€54k€41k▼
Taxes450/3€8k€11k▲
Remuneration and social security454/9€46k€30k▼
Other amounts payable47/48€1k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€565k€627k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€37k▼
Other operating charges640/8€6k€10k▲
Gross operating margin9900€686k€730k▲
Operating profit (loss)9901€77k€56k▼
Financial income75/76B€0€6▲
Recurring financial income75€0€6▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€73k€54k▼
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€67k€46k▼
Profit (loss) for the period to be appropriated9905€67k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€161k€208k▲
Profit (loss) brought forward from the previous period14P€95k€161k▲
The notes to these accounts (6 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Equity above €200kEq €210k ▲28.3%
6 profitable years in a row build equity to €210k.
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
31-12
Financial
Highest result since 2020net €67k ▲660%
Operating result €77k, net result €67k, both a record.
31-12
Financial
Equity above €150kEq €163k ▲68.8%
5 profitable years in a row build equity to €163k.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Weakest financial yearnet €9k ▼76.3%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Machelen (Brab.) · 1 establishment unit since 2019
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.
Kosterstraat 31831 Machelen (Brab.)Ground area
503 m²
Building footprint
224 m²
Volume, LiDAR
1,361 m³
Parcel 23015C0181/00E000, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EF-BO
since 20192.297.117.277
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23015C0181/00E000 | Flanders | 503 m² | 1 · 224 m² | 12.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
3 categoriesEF-BO BV43795
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BATI-TOUT
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Of 8,454 companies in sector 43120 we hold annual accounts for 3,232. 2,583 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2019
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
43211General electrical installation work
43130Specialised construction activities
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.