EFFIZEN
ActiveSummary
EFFIZEN has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €41k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 37% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency65▼-17
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 2.34 in 2024; short-term debt: 44.8% and cash: 31.4% of total assets), but 59.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
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
40.3%
Return on assets
51.2%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €33k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
13 d late
2023
13 d late
2022
1 d early
2021
22 d late
2020
1 d late
2019
14 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 101%
2024 · €16k
2019: €25k
2020: €10k
2021: €4k
2022: €5k
2023: €9k
2024: €16k
2019 → 2025
Total assets
€81k▲ 186%
2024 · €28k
2019: €44k
2020: €20k
2021: €25k
2022: €21k
2023: €27k
2024: €28k
2019 → 2025
Net result
€41k▲ 52.4%
2024 · €27k
2019: €-9k
2020: €-18k
2021: €-6k
2022: €9k
2023: €24k
2024: €27k
2019 → 2025
Working capital
€23k▲ 42.1%
2024 · €16k
2019: €20k
2020: €5k
2021: €7k
2022: €5k
2023: €9k
2024: €16k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€5k▲ 20.9%€9k▲ 66.6%€16k▲ 79.2%€33k▲ 101%
Operating result€-5k-€10k€25k▲ 149%€29k▲ 14.5%€45k▲ 56.4%
Net result€-6k-€9k€24k▲ 164%€27k▲ 15.0%€41k▲ 52.4%
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 56% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€22k ▲ 43,373%
Current assets
€59k ▲ 110%
Equity and liabilities €81k
Equity
€33k ▲ 101%
Debt
€48k ▲ 301%
Debt's share of the balance-sheet total rises from 42.7% to 59.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€52k
Cash flow
€48k
Current ratio
1.63▼
2024 · 2.34
Debt to equity
1.48▲
2024 · 0.74
ROE
127.0%▼
2024 · 167.6%
ROA
51.2%▼
2024 · 96.1%
Interest coverage
49.06
Debt ≤ 1 year
€36k▲
2024 · €12k
Debt > 1 year
€12k
Income taxes
€3k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€28k€81k▲
Fixed assets21/28€50€22k▲
Tangible fixed assets22/27€0€22k▲
Furniture and vehicles24€0€22k▲
Financial fixed assets28€50€50=
Current assets29/58€28k€59k▲
Amounts receivable within one year40/41€20k€34k▲
Trade receivables40€20k€34k▲
Other amounts receivable41€273-
Cash at bank and in hand54/58€7k€25k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€28k€81k▲
Equity10/15€16k€33k▲
Contributions10/11€14k€14k=
Profit (loss) carried forward14€3k€19k▲
Amounts payable17/49€12k€48k▲
Amounts payable after more than one year17-€12k
Financial debts170/4-€12k
Amounts payable within one year42/48€12k€36k▲
Current portion of amounts payable after more than one year42-€5k
Trade debts44€7€0▼
Suppliers440/4€7€0▼
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€8k€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€7k
Other operating charges640/8€231€186▼
Gross operating margin9900€29k€52k▲
Operating profit (loss)9901€29k€45k▲
Financial charges65/66B€406€1k▲
Recurring financial charges65€406€1k▲
Profit (loss) for the period before taxes9903€28k€44k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€27k€41k▲
Profit (loss) for the period to be appropriated9905€27k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€44k▲
Profit (loss) brought forward from the previous period14P€-5k€3k▲
Profit to be distributed694/7€20k€25k▲
Directors or managers695€20k€25k▲
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €41k ▲52.4%
Operating result €45k, net result €41k, both a record.
13-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
13-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €9k
Net result €9k after 3 loss-making years.
22-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
14-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
05-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 5 days late
2017
16-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Nivelles · 1 establishment unit since 2005
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.
Allée du Mont-Cheval 191400 NivellesGround area
532 m²
Building footprint
90 m²
Volume, LiDAR
525 m³
Parcel 25783F0237/00H000, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Quality & Ideas Management Services
since 20052.144.362.469
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25783F0237/00H000 | Wallonia | 532 m² | 1 · 90 m² | 7.1 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.
Similar companies · same sector, comparable size
K.H. CARNO
BE 0630.623.427
Watermaal-Bosvoorde · Eq €32,594
LVD Management
BE 0776.583.483
Lommel · Eq €32,595
NOMAGEST
BE 0645.957.147
Sprimont · Eq €32,591
RAELI
BE 1029.684.296
Antwerpen · Eq €32,590
MVB FINANCIAL SERVICES & CONSULTANCY
BE 0848.918.957
Brussel · Eq €32,588
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 35,065 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2004
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:Ipparez@qims.be
Phone:0475962741