Turnover
≈ €150,000 estimated
The micro format states no turnover.
EFFECTIEF
Lifetime
18 annual accounts with figures on one time axis, 20 filings since 2006peak €78,727 (2024)
€77,807▼ 1.2%
lowest -€60,133 (2023)
€30,304▼ 12.5%
peak €248,271 (2025)
€248,271▲ 13.9%
€281,388▼ 14.0%
Board1 name since 2022
1 directorWARSON KOEN
Documentsfilings and deeds
09-02-20269 days late
2025micro format
Incorporation · Founder 04-03Equity from €217,967 to €248,271Cash from €35,348 to €19,617
Key points
from the 2025 annual accountsFilings
20 annual accounts since 2006
Two of the last ten came late. The 2019 accounts came latest: 13 days after the end of the period.
Position in the sector
€248,271
More equity than 85% of companies in computer programming and consultancy. Sector median €69,072 · 21,214 companies.
Checked score
93
Excellent
Financially stronger than 42% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%highest value
01-2025: < 0.1%▼ -0.4 percentage points vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: < 0.1%● unchanged vs 03-2025lowest value
05-2025: < 0.1%● unchanged vs 04-2025lowest value
06-2025: < 0.1%● unchanged vs 05-2025lowest value
07-2025: < 0.1%● unchanged vs 06-2025lowest value
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: 0.1%▲ +0.1 percentage points vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.2%▲ +0.1 percentage points vs 01-2026
03-2026: < 0.1%▼ -0.2 percentage points vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: 0.1%▲ +0.1 percentage points vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 0.85, cash €19,617
lowers risk
Size: total assets €547,659
Sector: Computer programming, consultancy and related activities (NACE 62)
Figures for financial year 2025 (filed on 09-02-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 40% of them on solvency, 35% on liquidity, 33% on profitability and 60% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 20,137 companies had the same profile as EFFECTIEF has now. Each dot stands for 51 companies, two years later.
95.1%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of EFFECTIEF itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 20,137 companies, not a prediction for EFFECTIEF. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €23,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.85 (0.78 in 2024), below 1. Short-term debt is 11.8% and cash 3.6% of total assets. 54.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-02-2026, 9 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
9 days late
2024
46 days early
2023
58 days early
2022
14 days early
2021
24 days early
2020
9 days early
2019
13 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 18 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 7 January (4 of the last 5 accounts filed within 33 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
General meeting · Director resignation
Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0874731647
Incorporation · Founder
Gazette deed
General meeting · Kind of shares
Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| EFFECTIEF Zonhoven | €547,659 | €77,807 | 45.3% | - |
| GREEN RAY ENGINEERING Zonhoven | €537,904 | €84,767 | 95.6% | - |
| DCOD Herk-de-Stad | €520,193 | €73,394 | 67.8% | - |
| ENCOS Aartselaar | €527,251 | €77,647 | 37.8% | - |
| SYNERGEN Edegem | €522,612 | €73,996 | 69.5% | - |
| SIMA Software Consulting Schoten | €516,694 | €74,975 | 82.0% | - |
| TARSUS Leuven | €570,399 | €73,749 | 95.1% | - |
These companies have the same main activity as EFFECTIEF: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €517,000 and €570,000, founded between 2004 and 2005.
Official details
Source: KBO- Status
- Active since 28-06-2005Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 2 others
- Establishment unit
- 2.147.834.7723520 Zonhoven, since 01-07-2005
- Financial year end
- 30 June
- Peppol
- Reachable since 17-09-2025
Insights on EFFECTIEF
EFFECTIEF files the micro format. That format states no turnover. The gross margin rose from €30,841 in 2008 to €77,807 in 2025.
The balance sheet grew most from 2009 to 2011 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about EFFECTIEF
- What is the company number of EFFECTIEF?
- The company number of EFFECTIEF is 0874.731.647. The VAT number is the same number with BE in front: BE 0874.731.647.
- Where is EFFECTIEF based?
- The registered office is at Grote Hemmenweg 70, 3520 Zonhoven.Company details
- What does EFFECTIEF do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of EFFECTIEF?
- EFFECTIEF is a private limited company (pre-2019) (BVBA).
- When was EFFECTIEF founded?
- EFFECTIEF was founded on 28-06-2005.
- Is EFFECTIEF still active?
- Yes, EFFECTIEF is an active enterprise in the KBO register.
- What is the turnover of EFFECTIEF?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €77,807 and 60 comparable companies (NACE 62200). It probably lies between €130,000 and €190,000.Financials
- Is EFFECTIEF profitable?
- In financial year 2025, EFFECTIEF made a profit of €30,304.
- Where can I find the annual accounts of EFFECTIEF?
- EFFECTIEF filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of EFFECTIEF due?
- EFFECTIEF must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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