Summary
EFTICO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €66,619 and a net result of €3,728. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 8211 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Activities of holding companies
NACE 64210Holdings NACE 64200NACE 74151
1 site
How big
€131,327total assets 2025
- Equity
- €66,619
- Profit
- €3,728
Turnover not published (abridged schema)
Financially healthy?
Financial institution: outside the modelProbability: sector outside the model
Who decides
Accounts 29 d early0 of 3 deeds read
SignalsLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
7 d early
2023
48 d late
2022
91 d late
2021
23 d early
2020
16 d early
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 24 July (4 of the last 5 filed years within 56 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €3,728
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €131,327Profit €3,728Solvency 50.7%Liquidity 1.93
Total assets
€131,327▲ 4.5%
2018 - 2025
Net result
€3,728
2018 - 2025
Equity
€66,619▲ 5.9%
2018 - 2025
Solvency
50.7%▲ 0.7pp
2018 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€27,161▲ 217%-€6,165€17,606-€533€8,979
Net result€18,748within the sector's middle half▲ 393%-€7,627below the sector's middle half€9,910within the sector's middle half-€4,059below the sector's middle half€3,728below the sector's middle half
Equity€66,299within the sector's middle half▲ 37.1%€57,873within the sector's middle half▼ 12.7%€66,949within the sector's middle half▲ 15.7%€62,891within the sector's middle half▼ 6.1%€66,619within the sector's middle half▲ 5.9%
Total assets€95,058below the sector's middle half▼ 4.9%€83,760below the sector's middle half▼ 11.9%€143,933within the sector's middle half▲ 71.8%€125,702within the sector's middle half▼ 12.7%€131,327within the sector's middle half▲ 4.5%
Debt€28,758▼ 44.2%€25,887▼ 10.0%€76,983▲ 197%€62,811▼ 18.4%€64,708▲ 3.0%
Working capital€62,723within the sector's middle half▲ 38.8%€55,140within the sector's middle half▼ 12.1%€45,512within the sector's middle half▼ 17.5%€45,933within the sector's middle half▲ 0.9%€51,436within the sector's middle half▲ 12.0%
Solvency69.7%within the sector's middle half▲ 21.4pp69.1%within the sector's middle half▼ 0.7pp46.5%within the sector's middle half▼ 22.6pp50.0%within the sector's middle half▲ 3.5pp50.7%within the sector's middle half▲ 0.7pp
Current ratio3.25within the sector's middle half▲ 1.323.13within the sector's middle half▼ 0.121.88within the sector's middle half▼ 1.252.02within the sector's middle half▲ 0.131.93within the sector's middle half▼ 0.09
Return on assets (ROA)19.7%within the sector's middle half▲ 15.9pp-9.1%below the sector's middle half▼ 28.8pp6.9%within the sector's middle half▲ 16.0pp-3.2%below the sector's middle half▼ 10.1pp2.8%within the sector's middle half▲ 6.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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 and balance sheet
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €8,979 after a loss of €533 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131,327
Fixed assets
€24,493 ▼ 29.1%
Current assets
€106,834 ▲ 17.2%
Equity and liabilities €131,327
Equity
€66,619 ▲ 5.9%
Debt
€64,708 ▲ 3.0%
Debt's share of the balance-sheet total falls from 50.0% to 49.3%. Equity and debt are higher.
Key figures and ratios
Key figures and ratios
ROE
5.6%▲
2024 · -6.5%
Debt ≤ 1 year
€55,399▲
2024 · €45,231
Debt > 1 year
€9,310▼
2024 · €17,580
Income taxes
€2,549▲
2024 · €604
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €1,050 | €5,731 | €569 | €410 | ▼ 27.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,776 | €1,776 | €12,264 | €12,450 | €12,440 | ▼ 0.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€26,769 | -€2,946 | €0 | - | - | - |
| Other operating charges640/8 | €1,471 | €4,891 | €1,207 | €1,921 | €1,166 | ▼ 39.3% |
| Non-recurring operating charges66A | €460 | €0 | €704 | €2,699 | €0 | ▼ 100% |
| Gross operating margin9900 | €4,100 | -€2,443 | €31,781 | €16,537 | €22,585 | ▲ 36.6% |
| Operating profit (loss)9901 | €27,161 | -€6,165 | €17,606 | -€533 | €8,979 | ▲ 1,784% |
| Financial income75/76B | €1 | €2 | €8 | €0 | €2 | - |
| Recurring financial income75 | €1 | €2 | €8 | €0 | €2 | - |
| Financial charges65/66B | €964 | €1,424 | €2,757 | €2,922 | €2,704 | ▼ 7.5% |
| Recurring financial charges65 | €964 | €1,424 | €2,757 | €2,922 | €2,704 | ▼ 7.5% |
| Profit (loss) for the period before taxes9903 | €26,198 | -€7,587 | €14,858 | -€3,455 | €6,277 | ▲ 282% |
| Income taxes67/77 | €7,450 | €40 | €4,948 | €604 | €2,549 | ▲ 322% |
| Profit (loss) for the period9904 | €18,748 | -€7,627 | €9,910 | -€4,059 | €3,728 | ▲ 192% |
| Profit (loss) for the period to be appropriated9905 | €18,748 | -€7,627 | €9,910 | -€4,059 | €3,728 | ▲ 192% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €95,058 | €83,760 | €143,933 | €125,702 | €131,327 | ▲ 4.5% |
| Fixed assets21/28 | €4,509 | €2,733 | €46,989 | €34,538 | €24,493 | ▼ 29.1% |
| Tangible fixed assets22/27 | €4,509 | €2,733 | €46,989 | €34,538 | €24,493 | ▼ 29.1% |
| Plant, machinery and equipment23 | - | - | €1,766 | €1,344 | €922 | ▼ 31.4% |
| Furniture and vehicles24 | €4,509 | €2,733 | €45,222 | €33,194 | €23,571 | ▼ 29.0% |
| Current assets29/58 | €90,549 | €81,027 | €96,944 | €91,164 | €106,834 | ▲ 17.2% |
| Amounts receivable within one year40/41 | €24,546 | €30,421 | €61,155 | €53,244 | €66,958 | ▲ 25.8% |
| Trade receivables40 | €21,996 | €22,751 | €56,833 | €47,821 | €66,931 | ▲ 40.0% |
| Other amounts receivable41 | €2,550 | €7,671 | €4,322 | €5,423 | €27 | ▼ 99.5% |
| Cash at bank and in hand54/58 | €64,895 | €41,616 | €29,235 | €36,050 | €37,711 | ▲ 4.6% |
| Deferred charges and accrued income490/1 | €1,107 | €8,990 | €6,554 | €1,869 | €2,165 | ▲ 15.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €95,058 | €83,760 | €143,933 | €125,702 | €131,327 | ▲ 4.5% |
| Equity10/15 | €66,299 | €57,873 | €66,949 | €62,891 | €66,619 | ▲ 5.9% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €53,899 | €45,473 | €54,549 | €50,491 | €54,219 | ▲ 7.4% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €52,039 | €43,613 | €54,549 | €50,491 | €54,219 | ▲ 7.4% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | - | - |
| Amounts payable17/49 | €28,758 | €25,887 | €76,983 | €62,811 | €64,708 | ▲ 3.0% |
| Amounts payable after more than one year17 | €933 | €0 | €25,552 | €17,580 | €9,310 | ▼ 47.0% |
| Financial debts170/4 | €933 | €0 | €25,552 | €17,580 | €9,310 | ▼ 47.0% |
| Amounts payable within one year42/48 | €27,826 | €25,887 | €51,432 | €45,231 | €55,399 | ▲ 22.5% |
| Current portion of amounts payable after more than one year42 | €2,197 | €933 | €7,683 | €7,972 | €8,271 | ▲ 3.7% |
| Trade debts44 | €8,090 | €7,367 | €19,832 | €6,444 | €22,531 | ▲ 250% |
| Suppliers440/4 | €8,090 | €7,367 | €19,832 | €6,444 | €22,531 | ▲ 250% |
| Taxes, remuneration and social security45 | €2,704 | €430 | €6,371 | €10,470 | €10,643 | ▲ 1.7% |
| Taxes450/3 | €2,704 | €430 | €3,471 | €10,470 | €10,368 | ▼ 1.0% |
| Remuneration and social security454/9 | - | - | €2,900 | €0 | €275 | - |
| Other amounts payable47/48 | €14,835 | €17,158 | €17,544 | €20,345 | €13,954 | ▼ 31.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,748 | -€7,627 | €9,910 | -€4,059 | €3,728 | ▲ 192% |
| + Depreciation and write-downs630 | €1,776 | €1,776 | €12,264 | €12,450 | €12,440 | ▼ 0.1% |
| Operating cash flow (approximation) | €20,524 | -€5,851 | €22,174 | €8,392 | €16,168 | ▲ 92.7% |
| Investment in fixed assets (approximation) | - | €0 | -€56,520 | €0 | -€2,395 | - |
| Change in cash | - | -€23,280 | -€12,381 | €6,816 | €1,661 | ▼ 75.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
HAVINES
BE 0802.327.283
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Intergerencia
BE 0474.896.954
Antwerpen · Eq €66,570
Train of Thoughts
BE 0805.933.111
Sint-Niklaas · Eq €66,527
NOOTION
BE 1019.727.148
Tielt · Eq €66,521
Maan Invest
BE 0778.967.705
Bree · Eq €66,734
Of 24,727 companies in this sector we hold annual accounts for 19,807. 11,263 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
14 eventsLatest 02-07-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €3,728
Net result €3,728 after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
31-12
Financial
Back to profitnet €9,910
Net result €9,910 after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 91 days late
2022
31-12
Financial
Weakest financial yearnet -€7,627
Net result drops to -€7,627, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €18,748 ▲393%
Operating result €27,161, net result €18,748, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
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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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Company details
Private limited company · founded 22-09-2006Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded22-09-2006
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0883996038
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Zonhoven · 1 establishment unit since 2006
Ground area
625 m²
Building footprint
141 m²
Volume, LiDAR
677 m³
Parcel 71443E0107/00D000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EFTICO
since 2006unit no. 2.157.317.216
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443E0107/00D000 | Flanders | 625 m² | 1 · 141 m² | 7.6 m · 2 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.
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