EFFORTS
ActiveSummary
EFFORTS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €11k. Equity is growing by ~30.9% per year across the filed fiscal years. Its solvency ranks better than 29% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-31
Solvency35▲+1
Growth85=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.92 against 0.79 in 2024; short-term debt: 34% and cash: 4.6% of total assets), and 90.3% of the assets are financed with debt.
Credit check 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 · 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
9.7%
Return on assets
1.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
28 d late
2024
92 d late
2023
141 d late
2022
310 d late
2021
30 d late
2020
61 d late
2019
89 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€550k▲ 39.0%
2018 · €396k
2018: €396k
2018 → 2019
EBIT margin
0.9%▲ 0.8pp
2018 · 0.1%
2018: 0.1%
2018 → 2019
Net result
€11k▼ 15.8%
2024 · €13k
2018: €52
2019: €5k
2020: €5k
2021: €-8k
2022: €9k
2023: €10k
2024: €13k
2018 → 2025
Working capital
€-18k▲ 40.9%
2024 · €-30k
2018: €-18k
2019: €-1k
2020: €12k
2021: €7k
2022: €14k
2023: €12k
2024: €-30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€29k▲ 43.3%€38k▲ 33.2%€51k▲ 33.6%€62k▲ 21.2%
Operating result€-8k-€13k€23k▲ 73.1%€21k▼ 8.0%€40k▲ 89.4%
Net result€-8k-€9k€10k▲ 9.8%€13k▲ 35.0%€11k▼ 15.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 89% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €641k
Fixed assets
€441k ▼ 3.5%
Current assets
€200k ▲ 79.9%
Equity and liabilities €641k
Equity
€62k ▲ 21.2%
Debt
€579k ▲ 12.0%
Debt's share of the balance-sheet total falls from 91.0% to 90.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€57k▲
2024 · €27k
Cash flow
€28k▲
2024 · €19k
Current ratio
0.92▲
2024 · 0.79
Quick ratio
0.15▲
2024 · 0.15
Debt to equity
9.33▼
2024 · 10.09
ROE
17.5%▼
2024 · 25.2%
ROA
1.7%▼
2024 · 2.3%
Interest coverage
2.47▼
2024 · 12.74
Debt ≤ 1 year
€218k▲
2024 · €141k
Debt > 1 year
€361k▼
2024 · €375k
Income taxes
€6k▲
2024 · €6k
Staff costs
€83k▲
2024 · €47k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€568k€641k▲
Fixed assets21/28€457k€441k▼
Tangible fixed assets22/27€439k€422k▼
Land and buildings22€430k€419k▼
Plant, machinery and equipment23€841€331▼
Furniture and vehicles24€7k€2k▼
Financial fixed assets28€18k€19k▲
Current assets29/58€111k€200k▲
Stocks and contracts in progress3€90k€167k▲
Stocks30/36€90k€167k▲
Amounts receivable within one year40/41€14k€2k▼
Trade receivables40€3k€2k▼
Other amounts receivable41€11k-
Cash at bank and in hand54/58€6k€29k▲
Deferred charges and accrued income490/1€508€3k▲
Equity and liabilities
Total equity and liabilities10/49€568k€641k▲
Equity10/15€51k€62k▲
Contributions10/11€19k€19k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€28k€38k▲
Amounts payable17/49€517k€579k▲
Amounts payable after more than one year17€375k€361k▼
Financial debts170/4€375k€361k▼
Amounts payable within one year42/48€141k€218k▲
Current portion of amounts payable after more than one year42€14k€14k▲
Financial debts43€99€4k▲
Credit institutions430/8€99€4k▲
Trade debts44€27k€78k▲
Suppliers440/4€27k€78k▲
Taxes, remuneration and social security45€34k€55k▲
Taxes450/3€15k€24k▲
Remuneration and social security454/9€18k€31k▲
Other amounts payable47/48€66k€66k=
Accrued charges and deferred income492/3-€81
Income statement
Code20242025
Remuneration, social security and pensions62€47k€83k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€17k▲
Other operating charges640/8€2k€7k▲
Non-recurring operating charges66A€0€2k▲
Gross operating margin9900€76k€149k▲
Operating profit (loss)9901€21k€40k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€23k▲
Recurring financial charges65€2k€23k▲
Profit (loss) for the period before taxes9903€19k€17k▼
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€13k€11k▼
Profit (loss) for the period to be appropriated9905€13k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€38k▲
Profit (loss) brought forward from the previous period14P€15k€28k▲
The notes to these accounts (9 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-12
Financial
Highest result since 2018net €13k ▲35%
Net result €13k, the highest in the series.
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 141 days late
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 310 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-8k ▼264%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mettet · 2 establishment units since 2017
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.
Rue Stampia, St-Gérard 24C5640 MettetGround area
937 m²
Building footprint
431 m²
Volume, LiDAR
2,962 m³
2 parcels, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Presse Saint-Gérard
since 20172.271.666.457
Coin Rapide
since 20232.342.504.765
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52021A0008/00H004 | Wallonia | 697 m² | 1 · 319 m² | 8.5 m · 2 fl. |
| 92104C0331/00T004 | Wallonia | 240 m² | 1 · 113 m² | 11.2 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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesFleurus2.342.504.765
Mettet2.271.666.457
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LIBRAIRIE TWIST
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Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 1,111 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
Founded21-12-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47621Retail sale of newspapers and periodicals
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.