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 €1.52M and a net result of €3k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 489 sector peers (fiscal year 2025). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€1.52M▲ 0.2%
2024 · €1.51M
2019: €1.30M
2020: €1.32M
2021: €1.37M
2022: €1.43M
2023: €1.49M
2024: €1.51M
2019 → 2025
Net result
€3k▼ 83.8%
2024 · €20k
2019: €33k
2020: €18k
2021: €53k
2022: €60k
2023: €61k
2024: €20k
2019 → 2025
Total assets
€1.67M▼ 3.5%
2024 · €1.73M
2019: €1.71M
2020: €1.73M
2021: €1.76M
2022: €1.75M
2023: €1.76M
2024: €1.73M
2019 → 2025
Solvency
91.1%▲ 3.4pp
2024 · 87.7%
2019: 76.3%
2020: 76.3%
2021: 78.1%
2022: 81.9%
2023: 85.0%
2024: 87.7%
2019 → 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 result in the available series.
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 is higher and debt is lower.
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
Assets
Total assets20/58€1.73M€1.67M▼
Fixed assets21/28€1.35M€1.26M▼
Tangible fixed assets22/27€1.35M€1.26M▼
Land and buildings22€1.20M€1.15M▼
Plant, machinery and equipment23€451€0▼
Furniture and vehicles24€133k€93k▼
Other tangible fixed assets26€22k€17k▼
Current assets29/58€376k€409k▲
Amounts receivable within one year40/41€309k€345k▲
Trade receivables40€294k€324k▲
Other amounts receivable41€15k€21k▲
Cash at bank and in hand54/58€67k€64k▼
Deferred charges and accrued income490/1€577€582▲
Equity and liabilities
Total equity and liabilities10/49€1.73M€1.67M▼
Equity10/15€1.51M€1.52M▲
Contributions10/11€114k€114k=
Reserves13€30k€30k=
Tax-exempt reserves132€18k€18k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€1.37M€1.37M▲
Amounts payable17/49€212k€148k▼
Amounts payable after more than one year17€113k€68k▼
Financial debts170/4€113k€68k▼
Credit institutions173€113k€68k▼
Amounts payable within one year42/48€89k€68k▼
Current portion of amounts payable after more than one year42€45k€45k=
Trade debts44€15k€5k▼
Suppliers440/4€15k€5k▼
Taxes, remuneration and social security45€29k€18k▼
Taxes450/3€29k€18k▼
Accrued charges and deferred income492/3€10k€12k▲
Income statement
Code20242025
Operating income70/76A€277k€416k▲
Turnover70€256k€396k▲
Other operating income74€21k€20k▼
Operating charges60/66A€234k€395k▲
Services and other goods61€125k€278k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€99k€99k▼
Other operating charges640/8€11k€18k▲
Operating profit (loss)9901€42k€21k▼
Financial income75/76B€60€18▼
Recurring financial income75€60€18▼
Income from current assets751€4-
Other financial income752/9€56€18▼
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Debt charges650€6k€5k▼
Other financial charges652/9€601€543▼
Profit (loss) for the period before taxes9903€36k€16k▼
Income taxes67/77€15k€13k▼
Taxes670/3€15k€13k▼
Tax adjustments and reversals of tax provisions77€46-
Profit (loss) for the period9904€20k€3k▼
Profit (loss) for the period to be appropriated9905€20k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.37M€1.37M▲
Profit (loss) brought forward from the previous period14P€1.35M€1.37M▲
The notes to these accounts (35 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
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
2023
31-12
Financial
Highest result since 2019net €61k ▲1.6%
Net result €61k, the highest in the series.
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 milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, De Haan · 1 establishment unit since 2001
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Van Eycklaan 11-178420 De HaanGround area
4,798 m²
Building footprint
616 m²
Volume, LiDAR
2,290 m³
2 parcels, Flanders, Wallonia · tallest building 14.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
EGEFI
since 20012.058.487.280
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25097C0210/00L000 | Wallonia | 3,657 m² | 1 · 363 m² | - |
| 35007A0011/00Z014 | Flanders | 1,141 m² | 1 · 253 m² | 14.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 474 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 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.