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EF EDUCATION

Active
Public limited companyfounded 197650 yrs activeLouizalaan 283, 1050 Elsene, BelgiumKBO/BCE: BE 0416.896.892
Summary

EF EDUCATION has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.6m and a net result of €207,274. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 92% of 163 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
EF EDUCATIONActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Tourist information services
NACE 79901NACE 80424Other education NACE 85599
#9 oldest company in Elsene, Administrative and support services sector2 sites
Size
€2.0mtotal assets 2025
Staff
25.5 FTE
Equity
€1.6m
Profit
€207,274
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Parent
EF ILC group AG
Accounts on time0 of 12 deeds read
Why 94- Liquidity: current ratio 4.43, cash €28,208, halved+ Profit of €207,274 (FY 2025)+ Founded in 1976+ Equity €1.6m (79.4% of total assets)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 69% of its sector peers (NACE 79, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 79.4% of total assets
Liquidity 46-1
short-term debt 19.2% · cash 1.4%
Profitability 82+10
return on assets 10.4%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (83 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%▼ -0.6% vs 11-2024 01-2025: 0.2%● 0.0% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%▲ +1.1% vs 02-2025 04-2025: 0.2%▲ +31.3% vs 03-2025 05-2025: 0.2%▼ -9.5% vs 04-2025 06-2025: 0.2%● 0.0% vs 05-2025 07-2025: 0.2%● 0.0% vs 06-2025 08-2025: 0.2%● 0.0% vs 07-2025 09-2025: 0.2%● 0.0% vs 08-2025 10-2025: 0.2%● 0.0% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%▼ -1.0% vs 11-2025 01-2026: 0.2%▼ -2.9% vs 12-2025 02-2026: 0.2%● 0.0% vs 01-2026 03-2026: 0.2%▲ +1.5% vs 02-2026 04-2026: 0.3%▲ +31.4% vs 03-2026highest value 05-2026: 0.1%▼ -48.5% vs 04-2026lowest value 06-2026: 0.1%● 0.0% vs 05-2026lowest value 07-2026: 0.1%● 0.0% vs 06-2026lowest value 08-2026: 0.1%● 0.0% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Profit of €207,274 (FY 2025) lowers the probability
  • Liquidity: current ratio 4.43, cash €28,208, halved raises the probability
  • Founded in 1976 lowers the probability for this profile
  • Equity €1.6m (79.4% of total assets) lowers the probability
Credit up to €140,000 at 30 days acceptable
Liquidity ample (current ratio 4.43 against 3.74 in 2024; short-term debt: 19.2% and cash: 1.4% of total assets), and 20.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 79, small). Better than this share of them on solvency 98%, liquidity 43%, profitability 77%, growth against the median 60%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Profit of €207,274 (FY 2025)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 4.43, cash €28,208, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1976
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Equity €1.6m (79.4% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
7 d early
2023
42 d early
2022
32 d late
2021
52 d early
2020
45 d early
2019
38 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 22 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% 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. Usually files around 23 April (4 of the last 5 filed years within 39 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close03-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Highest result since 2019net €207,274 ▲32.8%
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Positive: Among the best 9% on solvencysector median 30.4% · 163 companies 79.4% View
  • Controlled by EF ILC group AG parent View
  • Positive: Result rose in 2025from €156,044 to €207,274 ▲ 32.8% View
  • Active since 1976founded 17-09-1976 50 years View

By topic

Financials

Fiscal year
2025
Total assets
€2.0m
Profit
€207,274
Solvency
79.4%
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 30-04-2027
  1. 30-04-2026Annual accounts filed
  2. 30-09-2025Highest result since 2019
  3. 23-04-2025Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Tourist information servicesNACE 79901
Founded
17-09-1976
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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