Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of EFICO is 0.3% (very low). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Based on State Gazette and CBE data.
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 10-06-2025 | 51 d early | 2025-00138358 |
| 31-12-2023 | 31-07-2024 | 12-06-2024 | 49 d early | 2024-00127673 |
| 31-12-2022 | 31-07-2023 | 31-07-2023 | on the day | 2023-00293883 |
| 31-12-2021 | 31-07-2022 | 30-09-2022 | 61 d late | 2022-20446977 |
| 31-12-2020 | 31-07-2021 | 31-08-2021 | 31 d late | 2021-63700278 |
| 31-12-2019 | 31-07-2020 | 31-07-2020 | on the day | 2020-38100207 |
| 31-12-2018 | 31-07-2019 | 14-06-2019 | 47 d early | 2019-18900311 |
| 31-12-2017 | 31-07-2018 | 31-07-2018 | on the day | 2018-42900276 |
| 31-12-2016 | 31-07-2017 | 31-08-2017 | 31 d late | 2017-54800383 |
| 31-12-2015 | 31-07-2016 | 11-07-2016 | 20 d early | 2016-30600556 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsAdministrative Flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Annual accounts & ratios
Source: NBB| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | volledig | 10-06-2025 | 2025-00138358 |
| 31-12-2023 | volledig | 12-06-2024 | 2024-00127673 |
| 31-12-2022 | volledig | 31-07-2023 | 2023-00293883 |
| 31-12-2021 | volledig | 30-09-2022 | 2022-20446977 |
| 31-12-2020 | volledig | 31-08-2021 | 2021-63700278 |
| 31-12-2019 | volledig | 31-07-2020 | 2020-38100207 |
| 31-12-2018 | volledig | 14-06-2019 | 2019-18900311 |
| 31-12-2017 | volledig | 31-07-2018 | 2018-42900276 |
| 31-12-2016 | volledig | 31-08-2017 | 2017-54800383 |
| 31-12-2015 | volledig | 11-07-2016 | 2016-30600556 |
Directors
Directors & mandates
18 directors-
ORTELSDirectorState Gazette act 25338514 (19-06-2025)Current19-06-2025 → present
-
S4KDirectorState Gazette act 25338514 (19-06-2025)Current19-06-2025 → present
-
VERPICODirectorState Gazette act 25338514 (19-06-2025)Current19-06-2025 → present
-
Ortels BVLegal entityDirectorState Gazette act 23109139 (23-08-2023)Current23-08-2023 → present
-
GERMANÈS MichelDirectorState Gazette act 25338514 (19-06-2025)Current07-09-2015 → present
4 events
- 19-06-2025 Appointed· Director
- 23-08-2023 Appointed· Director
- 07-09-2015 Resigned· Director
- 07-09-2015 Appointed· Director
-
Pierre VercruysseDirectorState Gazette act 23109139 (23-08-2023)Current07-09-2015 → present
2 events
- 23-08-2023 Appointed· Director
- 07-09-2015 Appointed· Director
Show 2 more sitting directors
-
Steven ClerckxDirectorState Gazette act 23109139 (23-08-2023)Current07-09-2015 → present
2 events
- 23-08-2023 Appointed· Director
- 07-09-2015 Appointed· Director
-
PHILIP VAN gESTELDirectorState Gazette act 25338514 (19-06-2025)Current06-09-2010 → present
3 events
- 19-06-2025 Appointed· Director
- 23-08-2023 Appointed· Director
- 06-09-2010 Appointed· Director
Historic, not recently confirmed (4)
-
BVBA IMDEGLegal entityDirectorState Gazette act 20022408 (07-02-2020)Not recently confirmedlast confirmed in an act from 2020
-
Philip Van gestel BVBALegal entityDirectorState Gazette act 15127120 (07-09-2015)Not recently confirmedlast confirmed in an act from 2015
-
Michel GermanésDirectorState Gazette act 10130863 (06-09-2010)Not recently confirmedlast confirmed in an act from 2010
-
Patrick F. InstalléChairState Gazette act 10130863 (06-09-2010)Not recently confirmedlast confirmed in an act from 2010
Former directors (6)
-
ImDeG BVLegal entityDirectorState Gazette act 23109139 (23-08-2023)Former- → 23-08-2023
-
Marc BeernaertDirectorState Gazette act 10130863 (06-09-2010)Former06-09-2010 → 07-09-2015
2 events
- 07-09-2015 Resigned· Director
- 06-09-2010 Appointed· Director
-
Olivier DandoisDirectorState Gazette act 10130863 (06-09-2010)Former06-09-2010 → 07-09-2015
2 events
- 07-09-2015 Resigned· Director
- 06-09-2010 Appointed· Director
-
Renaud CuchetDirectorState Gazette act 10130863 (06-09-2010)Former06-09-2010 → 07-09-2015
2 events
- 07-09-2015 Resigned· Director
- 06-09-2010 Appointed· Director
-
Emiel J. AldeweireldtChairState Gazette act 10130863 (06-09-2010)Former- → 06-09-2010
Statutory auditor
1 auditor| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| Paul De Weerdt Statutory auditor |
- | 06-09-2010 → 06-09-2010 |
Insolvency mandates
Legal Structure
| NACE primary | Groothandel in koffie, thee, cacao en specerijen(46370) |
| Legal form | Public limited company(014) |
| Incorporation | 27-04-1987 |
| Status | Active |
| Postal code | 2000 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11805E1285/00N005 | Flanders | 1,191 m² | 1 · 304 m² | 23.0 m · 6 fl. |
Publications
Lifecycle & Insolvency Signals
Belgisch Staatsblad · acts
8 acts19-06-2025 Articles of association amended
23-08-2023 5 directors appointed, 1 resigning
- Michel Germanès, Bestuurder
- Philip Van gestel, Bestuurder
- Pierre Vercruysse, Bestuurder
- Steven Clerckx, Bestuurder
- Ortels BV, Bestuurder
- ImDeG BV, Bestuurder
07-02-2020 BVBA IMDEG appointed as director
22-01-2016 Publication in the Belgian Official Gazette, Miscellaneous
07-09-2015 4 directors appointed, 4 resigning
- Philip Van gestel BVBA, Bestuurder
- Pierre Vercruysse, Bestuurder
- Steven Clerckx, Bestuurder
- Michel Germanès, Bestuurder
- Olivier Dandois, Bestuurder
- Renaud Cuchet, Bestuurder
- Marc Beernaert, Bestuurder
- Michel Germanès, Bestuurder
05-01-2012 Publication in the Belgian Official Gazette, Miscellaneous
06-09-2010 7 directors appointed, 1 resigning
- Patrick F. Installé, Voorzitter
- Michel Germanés, Bestuurder
- Philip Van gestel, Bestuurder
- Marc Beernaert, Bestuurder
- Olivier Dandois, Bestuurder
- Renaud Cuchet, Bestuurder
- Paul De Weerdt, Commissaris
- Emiel J. Aldeweireldt, Voorzitter
09-06-2005 Michel OPHOFF resigns as managing director
Analysis
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | EFICO |
| AbbreviationNL | EFICO |