EFFE ANDERS
ActiveEFFE ANDERS has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €125k and a net result of €45k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 56% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+4
Solvency66▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.33 in 2024; short-term debt: 59% and cash: 0.1% of total assets), but 59% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 47
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 · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
7 d early
2023
27 d late
2022
3 d late
2021
3 d late
2020
37 d early
2019
14 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€125k▲ 56.6%
2024 · €80k
2019: €43k
2020: €44k
2021: €41k
2022: €45k
2023: €51k
2024: €80k
2019 → 2025
Total assets
€305k▼ 0.5%
2024 · €307k
2019: €215k
2020: €244k
2021: €217k
2022: €238k
2023: €288k
2024: €307k
2019 → 2025
Net result
€45k▲ 58.8%
2024 · €28k
2019: €6k
2020: €1k
2021: €-3k
2022: €4k
2023: €6k
2024: €28k
2019 → 2025
Working capital
€115k▲ 52.2%
2024 · €75k
2019: €36k
2020: €37k
2021: €35k
2022: €42k
2023: €44k
2024: €75k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€45k▲ 10.0%€51k▲ 14.0%€80k▲ 55.4%€125k▲ 56.6%
Operating result€7k-€16k▲ 140%€19k▲ 15.1%€46k▲ 147%€64k▲ 38.8%
Net result€-3k-€4k€6k▲ 54.6%€28k▲ 350%€45k▲ 58.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €305k
Fixed assets
€10k▲ 131%
Current assets
€295k▼ 2.4%
Equity and liabilities €305k
Equity
€125k▲ 56.6%
Debt
€180k▼ 20.6%
The debt ratio falls from 74.0% to 59.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€67k▲
2024 · €49k
Cash flow
€48k▲
2024 · €31k
Solvency
41.0%▲
2024 · 26.0%
Current ratio
1.64▲
2024 · 1.33
Quick ratio
0.84▲
2024 · 0.63
Debt / equity
1.44▼
2024 · 2.84
ROE
36.1%▲
2024 · 35.7%
ROA
14.8%▲
2024 · 9.3%
Interest coverage
4.88▼
2024 · 5.25
Debt
€180k▼
2024 · €227k
Debt ≤ 1 year
€180k▼
2024 · €227k
Income taxes
€16k▲
2024 · €15k
Staff costs
€15k▲
2024 · €12k
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€307k€305k▼
Fixed assets21/28€4k€10k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€4k€10k▲
Land and buildings22€2k€3k▲
Furniture and vehicles24€2k€7k▲
Financial fixed assets28€225€225=
Current assets29/58€303k€295k▼
Stocks and contracts in progress3€160k€143k▼
Stocks30/36€160k€143k▼
Amounts receivable within one year40/41€131k€150k▲
Trade receivables40€1k€1k=
Other amounts receivable41€129k€149k▲
Cash at bank and in hand54/58€11k€258▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€307k€305k▼
Equity10/15€80k€125k▲
Contributions10/11€6k€6k=
Reserves13€74k€119k▲
Distributable reserves133€74k€119k▲
Amounts payable17/49€227k€180k▼
Amounts payable within one year42/48€227k€180k▼
Financial debts43€11k€14k▲
Credit institutions430/8€11k€14k▲
Trade debts44€98k€63k▼
Suppliers440/4€98k€63k▼
Advances received on contracts in progress46€420€420=
Taxes, remuneration and social security45€86k€71k▼
Taxes450/3€83k€69k▼
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48€32k€32k=
Income statement
Code20242025
Remuneration, social security and pensions62€12k€15k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€12k€2k▼
Gross operating margin9900€73k€84k▲
Operating profit (loss)9901€46k€64k▲
Financial income75/76B€7k€10k▲
Recurring financial income75€7k€10k▲
Financial charges65/66B€9k€14k▲
Recurring financial charges65€9k€14k▲
Profit (loss) for the period before taxes9903€44k€61k▲
Income taxes67/77€15k€16k▲
Profit (loss) for the period9904€28k€45k▲
Profit (loss) for the period to be appropriated9905€28k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€45k▲
Transfer to equity691/2€28k€45k▲
To other reserves6921€28k€45k▲
The notes to these accounts (13 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €45k ▲58.8%
Operating result €64k, net result €45k, both a record.
31-03
Financial
Equity above €100kEq €125k ▲56.6%
4 profitable years in a row build equity to €125k.
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
31-03
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
31-03
Financial
Weakest financial yearnet €-3k ▼366%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
14-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
12-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
04-10
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.
Directors · office · real estate
Directors
3 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, Bree · 1 establishment unit since 2013
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.
Siemenstraat 24/C3960 BreeGround area
805 m²
Building footprint
369 m²
Volume, LiDAR
2,336 m³
2 parcels, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
eFFe ANDERS
since 20132.224.328.972
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72402A0128/00N002 | Flanders | 494 m² | 1 · 120 m² | 10.7 m · 2 fl. |
| 72004B0355/00E000 | Flanders | 311 m² | 1 · 249 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
CUCARACHA
BE 0466.396.784
Watermaal-Bosvoorde · Eq €125k
ADONIS
BE 0423.230.596
Roeselare · Eq €126k
NITZ
BE 0456.141.114
Brussel · Eq €127k
MATHEX
BE 0655.997.538
Estaimpuis · Eq €127k
BELCLEAN
BE 0427.913.817
Brussel · Eq €122k
Of 459 companies in sector 47712 we hold annual accounts for 269. 206 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2013
Fiscal year end31-03
Activities, NACEBEL
47712Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:089/77 38 28