ELFACIT
ActiveELFACIT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €468k and a net result of €50k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 95% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+34
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 52.0), and 1.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.1%
Return on assets
10.5%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
6 d early
2023
34 d early
2022
26 d early
2021
39 d early
2020
40 d early
2019
37 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€468k▼ 6.0%
2024 · €498k
2018: €511k
2019: €519k
2020: €507k
2021: €546k
2022: €510k
2023: €479k
2024: €498k
2018 → 2025
Total assets
€477k▼ 4.9%
2024 · €502k
2018: €579k
2019: €603k
2020: €593k
2021: €660k
2022: €665k
2023: €619k
2024: €502k
2018 → 2025
Net result
€50k▲ 160%
2024 · €19k
2018: €16k
2019: €84k
2020: €64k
2021: €56k
2022: €12k
2023: €-31k
2024: €19k
2018 → 2025
Working capital
€459k▼ 1.4%
2024 · €465k
2018: €510k
2019: €518k
2020: €507k
2021: €446k
2022: €433k
2023: €425k
2024: €465k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€546k-€510k▼ 6.4%€479k▼ 6.1%€498k▲ 4.0%€468k▼ 6.0%
Operating result€67k-€32k▼ 51.8%€-32k€19k€51k▲ 164%
Net result€56k-€12k▼ 79.0%€-31k€19k€50k▲ 160%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 164% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €477k
Fixed assets
€10k▼ 70.6%
Current assets
€468k▼ 0.2%
Equity and liabilities €477k
Equity
€468k▼ 6.0%
Debt
€9k▲ 160%
The debt ratio rises from 0.7% to 1.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€74k▲
2024 · €43k
Cash flow
€73k▲
2024 · €43k
Solvency
98.1%▼
2024 · 99.3%
Current ratio
52.00
Quick ratio
52.00
Debt / equity
0.02▲
2024 · 0.01
ROE
10.7%▲
2024 · 3.9%
ROA
10.5%▲
2024 · 3.8%
Interest coverage
72.21▲
2024 · 39.55
Debt
€9k▲
2024 · €3k
Debt ≤ 1 year
€9k▲
2024 · €3k
Income taxes
€17k▲
2024 · €3k
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€502k€477k▼
Fixed assets21/28€33k€10k▼
Tangible fixed assets22/27€33k€10k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€31k€8k▼
Current assets29/58€469k€468k▼
Amounts receivable within one year40/41€22k€35k▲
Trade receivables40€7k€20k▲
Other amounts receivable41€15k€14k▼
Cash at bank and in hand54/58€442k€424k▼
Deferred charges and accrued income490/1€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€502k€477k▼
Equity10/15€498k€468k▼
Contributions10/11€202k€202k=
Reserves13€297k€267k▼
Distributable reserves133€297k€267k▼
Amounts payable17/49€3k€9k▲
Amounts payable within one year42/48€3k€9k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€1k€6k▲
Taxes450/3€1k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€44k€76k▲
Operating profit (loss)9901€19k€51k▲
Financial income75/76B€4k€17k▲
Recurring financial income75€4k€17k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€22k€67k▲
Income taxes67/77€3k€17k▲
Profit (loss) for the period9904€19k€50k▲
Profit (loss) for the period to be appropriated9905€19k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€50k▲
Transfer from equity791/2-€80k
Transfer to equity691/2€19k€50k▲
To other reserves6921€19k€50k▲
Profit to be distributed694/7-€80k
Return on contributions (dividend)694-€80k
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
31-12
Financial
Liquidity times 34current ratio 135.46
Current ratio from 4.03 to 135.46; short-term debt falls from €140k to €3k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-31k ▼367%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €84k ▲423%
Operating result €94k, net result €84k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
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.
Directors · office · real estate
Directors
1 act for this company is 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, Lubbeek · 1 establishment unit since 2008
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.
Ganzendries(PEL) 783212 LubbeekGround area
1,064 m²
Building footprint
118 m²
Volume, LiDAR
595 m³
Parcel 24090D0097/00G002, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ELFACIT
since 20082.169.332.447
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24090D0097/00G002 | Flanders | 1,064 m² | 1 · 118 m² | 6.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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ITHURRIA
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A-SQUARED
BE 0883.343.663
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AUFTAKT
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STRIX MANAGEMENT CONSULTING
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 35,070 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.