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EFINT

Active
Private limited companyfounded 20224 yrs activeDendermondsesteenweg 131, 9000 Gent, BelgiumKBO/BCE: BE 0783.633.405
Summary

The computed 12-month bankruptcy probability of EFINT is 3.6% (moderate). The 2025 annual accounts show equity of €28,664 and a net result of €14,233. Its solvency ranks better than 57% of 13604 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability85▼-15
Solvency63▼-3
Growth78
Track record94
Bankruptcy probability, 12 months
3.6% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.7 in 2024; short-term debt: 62% and cash: 7% of total assets), but 62% of the assets are financed with debt.
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Signals

Four 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
38%
Return on assets
18.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
7 d early
2024
323 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 158 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

EFINT was incorporated on 21 March 2022 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€28,664▲ 98.6%
2024 · €14,431
Total assets
€75,371▲ 115%
2024 · €35,022
Net result
€14,233▲ 48.0%
2024 · €9,614
Working capital
€28,664▲ 98.6%
2024 · €14,431
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result€11,494-€18,020▲ 56.8%
Net result€9,614within the sector's middle half-€14,233within the sector's middle half▲ 48.0%
Equity€14,431within the sector's middle half-€28,664within the sector's middle half▲ 98.6%
Total assets€35,022below the sector's middle half-€75,371within the sector's middle half▲ 115%
Debt€20,591-€46,707▲ 127%
Working capital€14,431within the sector's middle half-€28,664within the sector's middle half▲ 98.6%
Solvency41.2%within the sector's middle half-38.0%within the sector's middle half▼ 3.2pp
Current ratio1.70within the sector's middle half-1.61within the sector's middle half▼ 0.09
Return on assets (ROA)27.5%above the sector's middle half-18.9%above the sector's middle half▼ 8.6pp
above within below the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€5,000€10,000€15,000€20,000Operating result 2024: €11,494€11,494Net result 2024: €9,614€9,614Operating result 2025: €18,020€18,020Net result 2025: €14,233€14,23320242025€0€5,000€10,000€15,000€20,000Operating result 2024: €11,494€11,500Net result 2024: €9,614€9,610Operating result 2025: €18,020€18,000Net result 2025: €14,233€14,20020242025
The operating result rises in 2025; 2025 is 57% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €75,371
Equity €28,664 ▲ 98.6%
Debt €46,707 ▲ 127%
Debt's share of the balance-sheet total rises from 58.8% to 62.0%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
Debt to equity
1.63▲
2024 · 1.43
ROE
49.7%▼
2024 · 66.6%
Debt ≤ 1 year
€46,707▲
2024 · €20,591
Income taxes
€3,559▲
2024 · €2,712
Staff costs
-€619▼
2024 · €8,946
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 3.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,276 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet Code20242025
Assets
Total assets20/58€35,022€75,371▲
Current assets29/58€35,022€75,371▲
Amounts receivable within one year40/41€33,389€70,082▲
Trade receivables40€15,188€70,082▲
Other amounts receivable41€18,201-
Cash at bank and in hand54/58€1,633€5,289▲
Equity and liabilities
Total equity and liabilities10/49€35,022€75,371▲
Equity10/15€14,431€28,664▲
Contributions10/11€1,000€1,000=
Reserves13€3,817€3,817=
Distributable reserves133€3,817€3,817=
Profit (loss) carried forward14€9,614€23,847▲
Amounts payable17/49€20,591€46,707▲
Amounts payable within one year42/48€20,591€46,707▲
Trade debts44€7,294€39,636▲
Suppliers440/4€7,294€39,636▲
Taxes, remuneration and social security45€13,297€7,023▼
Taxes450/3€5,086€7,023▲
Remuneration and social security454/9€8,211-
Other amounts payable47/48-€48
Income statement Code20242025
Remuneration, social security and pensions62€8,946-€619▼
Other operating charges640/8€1,480€789▼
Gross operating margin9900€21,919€18,190▼
Operating profit (loss)9901€11,494€18,020▲
Financial income75/76B€1,053-
Recurring financial income75€1,053-
Financial charges65/66B€220€228▲
Recurring financial charges65€220€228▲
Profit (loss) for the period before taxes9903€12,326€17,792▲
Income taxes67/77€2,712€3,559▲
Profit (loss) for the period9904€9,614€14,233▲
Profit (loss) for the period to be appropriated9905€9,614€14,233▲
Appropriation of the result
Profit (loss) to be appropriated9906€9,614€23,847▲
Profit (loss) brought forward from the previous period14P-€9,614

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Remuneration, social security and pensions62€8,946-€619▼ 107%
Other operating charges640/8€1,480€789▼ 46.7%
Gross operating margin9900€21,919€18,190▼ 17.0%
Operating profit (loss)9901€11,494€18,020▲ 56.8%
Financial income75/76B€1,053--
Recurring financial income75€1,053--
Financial charges65/66B€220€228▲ 3.7%
Recurring financial charges65€220€228▲ 3.7%
Profit (loss) for the period before taxes9903€12,326€17,792▲ 44.3%
Income taxes67/77€2,712€3,559▲ 31.2%
Profit (loss) for the period9904€9,614€14,233▲ 48.0%
Profit (loss) for the period to be appropriated9905€9,614€14,233▲ 48.0%
Line20242025Change
Assets
Total assets20/58€35,022€75,371▲ 115%
Current assets29/58€35,022€75,371▲ 115%
Amounts receivable within one year40/41€33,389€70,082▲ 110%
Trade receivables40€15,188€70,082▲ 361%
Other amounts receivable41€18,201--
Cash at bank and in hand54/58€1,633€5,289▲ 224%
Equity and liabilities
Total equity and liabilities10/49€35,022€75,371▲ 115%
Equity10/15€14,431€28,664▲ 98.6%
Contributions10/11€1,000€1,000=
Reserves13€3,817€3,817=
Distributable reserves133€3,817€3,817=
Profit (loss) carried forward14€9,614€23,847▲ 148%
Amounts payable17/49€20,591€46,707▲ 127%
Amounts payable within one year42/48€20,591€46,707▲ 127%
Trade debts44€7,294€39,636▲ 443%
Suppliers440/4€7,294€39,636▲ 443%
Taxes, remuneration and social security45€13,297€7,023▼ 47.2%
Taxes450/3€5,086€7,023▲ 38.1%
Remuneration and social security454/9€8,211--
Other amounts payable47/48-€48-
Line20242025Change
Profit (loss) for the period9904€9,614€14,233▲ 48.0%
Operating cash flow (approximation)€9,614€14,233▲ 48.0%
Change in cash-€3,656-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
23-04
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
19-03
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 323 days late
NBB filing
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
3 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, Gent · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
117 m²
Building footprint
85 m²
Volume, LiDAR
800 m³
Parcel 44804D0132/00Z010, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Dendermondsesteenweg 131, 9000 Gent
Cafés and bars
since 20222.329.092.536
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44804D0132/00Z010 Flanders 117 m² 1 · 85 m² 12.0 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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

1 site
Gent2.329.092.536
1 permission
Ambulante drankgelegenheid · since 23-03-2022

Similar companies · same sector, comparable size

Of 14,002 companies in sector 56301 we hold annual accounts for 4,896. 4,094 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded21-03-2022
Fiscal year end30-09
Activities, NACEBEL 2025
56301Cafés and bars
E-invoicing
Reachable via Peppol
Peppol ID 0208:0783633405
Also 9925:BE0783633405
Registered 23-02-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.