EFFICIENT BEHAVIOURS
ActiveEFFICIENT BEHAVIOURS has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €193k and a net result of €103k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 77% of 2017 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 3.69 against 3.75 in 2024), and 24.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
Sector 85
lower
← 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
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
75.4%
Return on assets
40.3%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €193k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
17 d early
2023
51 d early
2022
4 d early
2021
34 d early
2020
4 d late
2019
31 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€193k▲ 115%
2024 · €90k
2018: €221k
2019: €223k
2020: €87k
2021: €75k
2022: €71k
2023: €34k
2024: €90k
2018 → 2025
Total assets
€256k▲ 110%
2024 · €122k
2018: €352k
2019: €305k
2020: €232k
2021: €205k
2022: €166k
2023: €98k
2024: €122k
2018 → 2025
Net result
€103k▲ 84.0%
2024 · €56k
2018: €-1k
2019: €2k
2020: €-47k
2021: €-12k
2022: €-5k
2023: €-25k
2024: €56k
2018 → 2025
Working capital
€168k▲ 123%
2024 · €75k
2018: €87k
2019: €101k
2020: €-7k
2021: €25k
2022: €19k
2023: €20k
2024: €75k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€71k▼ 6.2%€34k▼ 52.5%€90k▲ 167%€193k▲ 115%
Operating result€-11k-€-3k▲ 68.1%€-24k▼ 594%€62k€114k▲ 82.8%
Net result€-12k-€-5k▲ 61.0%€-25k▼ 431%€56k€103k▲ 84.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 83% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €256k
Fixed assets
€25k▲ 34.8%
Current assets
€230k▲ 124%
Equity and liabilities €256k
Equity
€193k▲ 115%
Debt
€63k▲ 96.5%
The debt ratio falls from 26.4% to 24.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€122k▲
2024 · €70k
Cash flow
€111k▲
2024 · €64k
Solvency
75.4%▲
2024 · 73.6%
Current ratio
3.69▼
2024 · 3.75
Quick ratio
3.69▼
2024 · 3.75
Debt / equity
0.33▼
2024 · 0.36
ROE
53.5%▼
2024 · 62.6%
ROA
40.3%▼
2024 · 46.1%
Interest coverage
414.44▲
2024 · 133.71
Debt
€63k▲
2024 · €32k
Debt ≤ 1 year
€62k▲
2024 · €27k
Debt > 1 year
€677▼
2024 · €5k
Income taxes
€11k▲
2024 · €6k
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€122k€256k▲
Fixed assets21/28€19k€25k▲
Intangible fixed assets21€1k€1k=
Tangible fixed assets22/27€17k€23k▲
Furniture and vehicles24€17k€23k▲
Financial fixed assets28€1k€1k=
Current assets29/58€103k€230k▲
Amounts receivable within one year40/41€7k€40k▲
Trade receivables40€7k€40k▲
Other amounts receivable41€2-
Current investments50/53-€57k
Cash at bank and in hand54/58€93k€132k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€122k€256k▲
Equity10/15€90k€193k▲
Contributions10/11€33k€33k=
Reserves13€56k€159k▲
Distributable reserves133€56k€159k▲
Profit (loss) carried forward14€84€84=
Amounts payable17/49€32k€63k▲
Amounts payable after more than one year17€5k€677▼
Financial debts170/4€5k€677▼
Amounts payable within one year42/48€27k€62k▲
Current portion of amounts payable after more than one year42€8k€4k▼
Trade debts44€2k€17k▲
Suppliers440/4€2k€17k▲
Taxes, remuneration and social security45€12k€38k▲
Taxes450/3€12k€38k▲
Other amounts payable47/48€6k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€76k€128k▲
Operating profit (loss)9901€62k€114k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€522€294▼
Recurring financial charges65€522€294▼
Profit (loss) for the period before taxes9903€62k€114k▲
Income taxes67/77€6k€11k▲
Profit (loss) for the period9904€56k€103k▲
Profit (loss) for the period to be appropriated9905€56k€103k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€103k▲
Profit (loss) brought forward from the previous period14P€84€84=
Transfer to equity691/2€56k€103k▲
To other reserves6921€56k€103k▲
The notes to these accounts (8 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €103k ▲84%
Operating result €114k, net result €103k, both a record.
31-12
Financial
Equity above €150kEq €193k ▲115%
2 profitable years in a row build equity to €193k.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €56k
Net result €56k after 4 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 3.75
Current ratio from 1.38 to 3.75; short-term debt falls from €52k to €27k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-12
Financial
Weakest financial yearnet €-47k ▼3198%
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schaarbeek · 1 establishment unit since 1996
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.
Generaal Eisenhowerlaan 1671030 SchaarbeekGround area
153 m²
Building footprint
87 m²
Volume, LiDAR
1,097 m³
Parcel 21904B0481/00E002, Brussels · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
EFFICIENT BEHAVIOURS
since 19962.079.437.302
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21904B0481/00E002 | Brussels | 153 m² | 1 · 87 m² | 15.7 m · 4 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.
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MEZURE
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Of 3,006 companies in sector 85592 we hold annual accounts for 984. 741 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-1996
Fiscal year end31-12
Activities, NACEBEL
74142
85592Vocational training
70200Business and other management consultancy
70220Business consulting
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.