EGEFI
ActiveEGEFI 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 €1.52M and a net result of €3k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 91% of 480 sector peers (fiscal year 2025). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. 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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
20 d early
2023
42 d early
2022
7 d late
2021
15 d early
2020
38 d early
2019
9 d early
← before the deadline
after the deadline →
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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€1.52M▲ 0.2%
2024 · €1.51M
2020: €1.32M
2021: €1.37M
2022: €1.43M
2023: €1.49M
2024: €1.51M
2020 → 2025
Net result
€3k▼ 83.8%
2024 · €20k
2020: €1.18M
2021: €53k
2022: €60k
2023: €61k
2024: €20k
2020 → 2025
Total assets
€1.67M▼ 3.5%
2024 · €1.73M
2020: €1.73M
2021: €1.76M
2022: €1.75M
2023: €1.76M
2024: €1.73M
2020 → 2025
Solvency
91.1%▲ 3.4pp
2024 · 87.7%
2020: 76.3%
2021: 78.1%
2022: 81.9%
2023: 85.0%
2024: 87.7%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€372k-€499k▲ 34.2%€311k▼ 37.6%€256k▼ 17.8%€396k▲ 55.0%
Equity€1.37M-€1.43M▲ 4.4%€1.49M▲ 4.2%€1.51M▲ 1.4%€1.52M▲ 0.2%
Operating result€77k-€96k▲ 23.8%€85k▼ 10.9%€42k▼ 50.3%€21k▼ 49.3%
Net result€53k-€60k▲ 13.4%€61k▲ 1.6%€20k▼ 66.6%€3k▼ 83.8%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 49% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.67M
Fixed assets
€1.26M▼ 7.0%
Current assets
€409k▲ 8.9%
Equity and liabilities €1.67M
Equity
€1.52M▲ 0.2%
Debt
€148k▼ 30.4%
The debt ratio falls from 12.3% to 8.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
91.1%▲
2024 · 87.7%
ROE
0.2%▼
2024 · 1.3%
ROA
0.2%▼
2024 · 1.2%
Debt
€148k▼
2024 · €212k
Debt ≤ 1 year
€68k▼
2024 · €89k
Debt > 1 year
€68k▼
2024 · €113k
Income taxes
€13k▼
2024 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Total assets20/58€1.73M€1.67M▼
Fixed assets21/28€1.35M€1.26M▼
Tangible fixed assets22/27€1.35M€1.26M▼
Current assets29/58€376k€409k▲
Amounts receivable within one year40/41€309k€345k▲
Cash & bank54/58€67k€64k▼
Total equity & liabilities10/49€1.73M€1.67M▼
Equity10/15€1.51M€1.52M▲
Contributions / capital10/11€114k€114k=
Reserves13€30k€30k=
Accumulated profits (losses)14€1.37M€1.37M▲
Amounts payable17/49€212k€148k▼
Amounts payable after one year17€113k€68k▼
Amounts payable within one year42/48€89k€68k▼
Trade debts payable within one year44€15k€5k▼
Income statement
Code20242025
Turnover70€256k€396k▲
Operating result9901€42k€21k▼
Financial income75€60€18▼
Financial charges65€7k€5k▼
Result before taxes9903€36k€16k▼
Income taxes67/77€15k€13k▼
Net result for the period9904€20k€3k▼
Result to be appropriated9905€20k€3k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €3k ▼83.8%
Net result drops to €3k, the lowest in the series.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
14-02
State Gazette act
Director changes
Gérard INDEKEU
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 7 days late
2022
16-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
ADFINCO
BE 0828.414.246
Kontich · Eq €1.51M
BEIAR
BE 0881.537.978
Opwijk · Eq €1.50M
Vibe Group Belgium
BE 0664.869.771
Antwerpen · Eq €1.49M
OLIVERIMMO
BE 0449.243.622
Zoersel · Eq €1.55M
WELLDOM
BE 0546.757.425
Anderlues · Eq €1.55M
Of 1,504 companies in sector 66199 we hold annual accounts for 905. 467 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-1992
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62100Computer programming
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 14-08-2026. Scores and ratios are computed by Checked and are not a credit decision.