Summary
EGEFI 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 €1.5m and a net result of €3,278. Equity is growing by about 2.9% per year across the filed financial years. Its solvency ranks better than 91% of 604 sector peers (NACE 66, financial year 2025). The company has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, full format
In the rankings
#2 oldest company in De Haan, Finance and insurance sector#10 company by equity in De Haan, Finance and insurance sector
Equity
€1.5m▲ 0.2%
2024 · €1.5m
Net result
€3,278▼ 83.8%
2024 · €20,264
Total assets
€1.7m▼ 3.5%
2024 · €1.7m
Solvency
91.1%▲ 3.4pp
2024 · 87.7%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has fallen three years in a row; 2025 is 49% below 2024 and is the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Turnover€0.4m
2025
Operating result€0.02m
2025
Net result€0.003m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€1.7m
2025
Equity€1.5m
2025
Debt€0.1m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€0.3m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)0.2%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency91.1%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio6.00
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Turnover€0.4m-€0.3m▼ 33.4%€0.3m▲ 0.6%€0.4m▲ 38.5%€0.5m▲ 34.2%€0.3m▼ 37.6%€0.3m▼ 17.8%€0.4m▲ 55.0%
Operating result€0.03m-€0.05m▲ 95.2%€0.04m▼ 29.0%€0.08m▲ 118%€0.1m▲ 23.8%€0.09m▼ 10.9%€0.04m▼ 50.3%€0.02m▼ 49.3%
Net result€0.02m-€0.03m▲ 62.0%€0.02mwithin the sector's middle half▼ 46.4%€0.05mwithin the sector's middle half▲ 195%€0.06mwithin the sector's middle half▲ 13.4%€0.06mwithin the sector's middle half▲ 1.6%€0.02mwithin the sector's middle half▼ 66.6%€0.003mbelow the sector's middle half▼ 83.8%
Equity€1.3m-€1.3m▲ 2.6%€1.3mabove the sector's middle half▲ 1.4%€1.4mabove the sector's middle half▲ 4.0%€1.4mabove the sector's middle half▲ 4.4%€1.5mabove the sector's middle half▲ 4.2%€1.5mabove the sector's middle half▲ 1.4%€1.5mwithin the sector's middle half▲ 0.2%
Total assets€1.7m-€1.7m▼ 1.8%€1.7mwithin the sector's middle half▲ 1.3%€1.8mwithin the sector's middle half▲ 1.6%€1.7mwithin the sector's middle half▼ 0.5%€1.8mwithin the sector's middle half▲ 0.5%€1.7mwithin the sector's middle half▼ 1.8%€1.7mwithin the sector's middle half▼ 3.5%
Debt€0.5m-€0.4m▼ 13.7%€0.4m▲ 1.1%€0.4m▼ 6.1%€0.3m▼ 17.8%€0.3m▼ 16.6%€0.2m▼ 19.6%€0.1m▼ 30.4%
Working capital€0.2m-€0.1m▼ 15.0%€0.2mwithin the sector's middle half▲ 8.2%€0.2mwithin the sector's middle half▲ 41.3%€0.3mwithin the sector's middle half▲ 41.5%€0.2mwithin the sector's middle half▼ 26.3%€0.3mwithin the sector's middle half▲ 24.9%€0.3mwithin the sector's middle half▲ 19.0%
Solvency73.0%-76.3%▲ 3.3pp76.3%above the sector's middle half▲ 0.1pp78.1%above the sector's middle half▲ 1.8pp81.9%above the sector's middle half▲ 3.8pp85.0%above the sector's middle half▲ 3.1pp87.7%above the sector's middle half▲ 2.7pp91.1%above the sector's middle half▲ 3.4pp
Current ratio2.95-3.16▲ 0.212.33within the sector's middle half▼ 0.832.60within the sector's middle half▲ 0.273.74above the sector's middle half▲ 1.143.19above the sector's middle half▼ 0.554.22above the sector's middle half▲ 1.036.00above the sector's middle half▲ 1.78
Return on assets (ROA)1.2%-1.9%▲ 0.8pp1.0%within the sector's middle half▼ 0.9pp3.0%within the sector's middle half▲ 2.0pp3.4%within the sector's middle half▲ 0.4pp3.5%within the sector's middle half=1.2%below the sector's middle half▼ 2.3pp0.2%below the sector's middle half▼ 1.0pp
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets
€1.3m ▼ 7.0%
Current assets
€409,403 ▲ 8.9%
Equity and liabilities €1.7m
Equity
€1.5m ▲ 0.2%
Debt
€147,618 ▼ 30.4%
Debt's share of the balance-sheet total falls from 12.3% to 8.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.2%▼
2024 · 1.3%
Debt ≤ 1 year
€68,234▼
2024 · €89,173
Debt > 1 year
€67,500▼
2024 · €112,500
Income taxes
€13,000▼
2024 · €15,354
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Operating income70/76A | €417,115 | - | - | €371,810 | €505,481 | €314,796 | €276,842 | €416,051 | ▲ 50.3% |
| Turnover70 | €400,609 | €266,941 | €268,419 | €371,810 | €498,965 | €311,166 | €255,659 | €396,339 | ▲ 55.0% |
| Other operating income74 | - | - | - | - | €3,534 | - | €21,183 | €19,713 | ▼ 6.9% |
| Non-recurring operating income76A | €16,506 | - | - | - | €2,982 | €3,630 | - | - | - |
| Operating charges60/66A | €391,490 | - | - | €294,472 | €409,773 | €229,517 | €234,449 | €394,564 | ▲ 68.3% |
| Services and other goods61 | €254,411 | - | - | €215,504 | €329,515 | €157,105 | €124,789 | €277,594 | ▲ 122% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €132,458 | €65,136 | €68,221 | €68,042 | €65,746 | €63,849 | €98,743 | €98,662 | ▼ 0.1% |
| Other operating charges640/8 | €4,621 | - | - | €10,926 | €14,511 | €8,564 | €10,917 | €18,308 | ▲ 67.7% |
| Operating profit (loss)9901 | €25,625 | €50,013 | €35,528 | €77,338 | €95,708 | €85,279 | €42,393 | €21,488 | ▼ 49.3% |
| Financial income75/76B | - | - | - | €1 | - | - | €60 | €18 | ▼ 69.4% |
| Recurring financial income75 | - | €2,155 | €395 | €1 | - | - | €60 | €18 | ▼ 69.4% |
| Income from current assets751 | - | - | - | - | - | - | €4 | - | - |
| Other financial income752/9 | - | - | - | €1 | - | - | €56 | €18 | ▼ 67.1% |
| Financial charges65/66B | €2,221 | - | - | €3,132 | €2,934 | €5,858 | €6,834 | €5,228 | ▼ 23.5% |
| Recurring financial charges65 | €2,221 | €3,868 | €3,594 | €3,132 | €2,934 | €5,858 | €6,834 | €5,228 | ▼ 23.5% |
| Debt charges650 | €2,020 | €3,481 | €3,105 | €2,711 | €1,939 | €5,413 | €6,233 | €4,684 | ▼ 24.8% |
| Other financial charges652/9 | €201 | - | - | €420 | €995 | €445 | €601 | €543 | ▼ 9.6% |
| Profit (loss) for the period before taxes9903 | €23,404 | €48,300 | €32,329 | €74,207 | €92,774 | €79,421 | €35,618 | €16,278 | ▼ 54.3% |
| Income taxes67/77 | €2,853 | €15,000 | €14,481 | €21,500 | €32,994 | €18,699 | €15,354 | €13,000 | ▼ 15.3% |
| Taxes670/3 | €4,500 | - | - | €21,500 | €34,021 | €24,000 | €15,400 | €13,000 | ▼ 15.6% |
| Tax adjustments and reversals of tax provisions77 | €1,647 | - | - | - | €1,026 | €5,301 | €46 | - | - |
| Profit (loss) for the period9904 | €20,551 | €33,300 | €17,848 | €52,707 | €59,780 | €60,722 | €20,264 | €3,278 | ▼ 83.8% |
| Profit (loss) for the period to be appropriated9905 | €20,551 | €33,300 | €17,848 | €52,707 | €59,780 | €60,722 | €20,264 | €3,278 | ▼ 83.8% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €1.7m | €1.7m | €1.7m | €1.8m | €1.7m | €1.8m | €1.7m | €1.7m | ▼ 3.5% |
| Fixed assets21/28 | €1.5m | €1.5m | €1.5m | €1.4m | €1.3m | €1.4m | €1.4m | €1.3m | ▼ 7.0% |
| Tangible fixed assets22/27 | €1.5m | €1.5m | €1.5m | €1.4m | €1.3m | €1.4m | €1.4m | €1.3m | ▼ 7.0% |
| Land and buildings22 | €1.4m | - | - | €1.3m | €1.3m | €1.2m | €1.2m | €1.1m | ▼ 4.1% |
| Plant, machinery and equipment23 | - | - | - | €0.004m | €478 | €0.001m | €451 | €0 | ▼ 100% |
| Furniture and vehicles24 | €0.03m | - | - | €0.03m | €0.02m | €0.2m | €0.1m | €0.09m | ▼ 29.9% |
| Other tangible fixed assets26 | €0.006m | - | - | €0.04m | €0.03m | €0.03m | €0.02m | €0.02m | ▼ 22.7% |
| Current assets29/58 | €0.3m | €0.2m | €0.3m | €0.4m | €0.4m | €0.3m | €0.4m | €0.4m | ▲ 8.9% |
| Amounts receivable within one year40/41 | €0.2m | €0.2m | €0.2m | €0.3m | €0.4m | €0.3m | €0.3m | €0.3m | ▲ 11.6% |
| Trade receivables40 | €0.2m | - | - | €0.3m | €0.4m | €0.2m | €0.3m | €0.3m | ▲ 10.0% |
| Other amounts receivable41 | €0.02m | - | - | €0.008m | €0.01m | €0.01m | €0.01m | €0.02m | ▲ 44.3% |
| Cash at bank and in hand54/58 | €0.07m | €0.007m | €0.04m | €0.08m | €0.05m | €0.08m | €0.07m | €0.06m | ▼ 3.8% |
| Deferred charges and accrued income490/1 | €0.001m | - | - | €0.001m | €0.002m | €0.003m | €0.001m | €0.001m | ▲ 0.8% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €1.7m | €1.7m | €1.7m | €1.8m | €1.7m | €1.8m | €1.7m | €1.7m | ▼ 3.5% |
| Equity10/15 | €1.3m | €1.3m | €1.3m | €1.4m | €1.4m | €1.5m | €1.5m | €1.5m | ▲ 0.2% |
| Contributions10/11 | €0.1m | €0.1m | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Capital10 | €0.1m | - | - | - | - | - | - | - | - |
| Issued capital100 | €0.1m | - | - | - | - | - | - | - | - |
| Reserves13 | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Non-distributable reserves130/1 | - | - | - | €0.01m | €0.01m | - | - | - | - |
| Legal reserve130 | €0.01m | - | - | - | - | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.01m | €0.01m | - | - | - | - |
| Tax-exempt reserves132 | €0.02m | - | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Distributable reserves133 | - | - | - | - | - | €0.01m | €0.01m | €0.01m | = |
| Profit (loss) carried forward14 | €1.1m | €1.2m | €1.2m | €1.2m | €1.3m | €1.4m | €1.4m | €1.4m | ▲ 0.2% |
| Amounts payable17/49 | €0.5m | €0.4m | €0.4m | €0.4m | €0.3m | €0.3m | €0.2m | €0.1m | ▼ 30.4% |
| Amounts payable after more than one year17 | €0.4m | €0.3m | €0.3m | €0.2m | €0.2m | €0.2m | €0.1m | €0.07m | ▼ 40.0% |
| Financial debts170/4 | €0.4m | - | - | €0.2m | €0.2m | €0.2m | €0.1m | €0.07m | ▼ 40.0% |
| Credit institutions173 | €0.4m | - | - | €0.2m | €0.2m | €0.2m | €0.1m | €0.07m | ▼ 40.0% |
| Amounts payable within one year42/48 | €0.09m | €0.07m | €0.1m | €0.1m | €0.1m | €0.1m | €0.09m | €0.07m | ▼ 23.5% |
| Current portion of amounts payable after more than one year42 | €0.05m | - | - | €0.05m | €0.05m | €0.05m | €0.05m | €0.05m | = |
| Trade debts44 | €0.006m | €0.002m | €0.02m | €0.06m | €0.01m | €0.01m | €0.01m | €0.005m | ▼ 67.4% |
| Suppliers440/4 | €0.006m | - | - | €0.06m | €0.01m | €0.01m | €0.01m | €0.005m | ▼ 67.4% |
| Taxes, remuneration and social security45 | €0.04m | - | - | €0.03m | €0.05m | €0.05m | €0.03m | €0.02m | ▼ 37.3% |
| Taxes450/3 | €0.04m | - | - | €0.03m | €0.05m | €0.05m | €0.03m | €0.02m | ▼ 37.3% |
| Accrued charges and deferred income492/3 | - | - | - | - | - | €0.001m | €0.01m | €0.01m | ▲ 14.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,551 | €33,300 | €17,848 | €52,707 | €59,780 | €60,722 | €20,264 | €3,278 | ▼ 83.8% |
| + Depreciation and write-downs630 | €132,458 | €65,136 | €68,221 | €68,042 | €65,746 | €63,849 | €98,743 | €98,662 | ▼ 0.1% |
| Operating cash flow (approximation) | €153,009 | €98,436 | €86,070 | €120,749 | €125,526 | €124,570 | €119,008 | €101,941 | ▼ 14.3% |
| Investment in fixed assets (approximation) | - | -€79,944 | -€28,091 | -€11,374 | €10,896 | -€162,858 | -€26,047 | -€4,070 | ▲ 84.4% |
| Change in cash | - | -€58,527 | €37,290 | €31,960 | -€22,865 | €27,278 | -€14,459 | -€2,542 | ▲ 82.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 33 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | full format | 27-07-2026 | 2026-00360901 |
| 31-12-2024 | full format | 11-07-2025 | 2025-00267717 |
| 31-12-2023 | full format | 19-06-2024 | 2024-00149615 |
| 31-12-2022 | full format | 07-08-2023 | 2023-00317062 |
| 31-12-2021 | full format | 16-07-2022 | 2022-20209193 |
| 31-12-2020 | full format | 23-06-2021 | 2021-23700417 |
| 31-12-2019 | full format | 22-07-2020 | 2020-32700405 |
| 31-12-2018 | full format | 01-07-2019 | 2019-26700314 |
| 31-12-2017 | abbreviated format | 06-07-2018 | 2018-30700400 |
| 31-12-2016 | abbreviated format | 15-06-2017 | 2017-18200547 |
Similar companies · same sector, comparable size
ADFINCO
BE 0828.414.246
Kontich · equity €1,507,103
BEIAR
BE 0881.537.978
Opwijk · equity €1,497,100
OLIVERIMMO
BE 0449.243.622
Zoersel · equity €1,545,089
WELLDOM
BE 0546.757.425
Anderlues · equity €1,545,452
EUROGOLD
BE 0426.259.669
Brussel · equity €1,547,445
Of the 1,467 active companies whose main activity is other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199), figures are known for 929. 469 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.