Elfina Management
ActiveElfina Management has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €16k and a net result of €14k. Its solvency ranks better than 42% of 9517 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency66
Growth-
Track record67
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.73; short-term debt: 57.9% and cash: 75.6% of total assets), but 58.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
41.1%
Return on assets
35.9%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2025, 30 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2024
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€16k
Total assets
€39k
Net result
€14k
Working capital
€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €39k
Equity
€16k
Debt
€23k
Debt finances 58.9% of the balance-sheet total.
Key figures and ratios
Solvency
41.1%
Current ratio
1.73
Quick ratio
1.73
Debt / equity
1.43
ROE
87.5%
ROA
35.9%
Debt
€23k
Debt ≤ 1 year
€22k
Income taxes
€6k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€39k
Current assets29/58€39k
Amounts receivable within one year40/41€9k
Trade receivables40€9k
Cash at bank and in hand54/58€29k
Equity and liabilities
Total equity and liabilities10/49€39k
Equity10/15€16k
Contributions10/11€2k
Reserves13€14k
Distributable reserves133€14k
Amounts payable17/49€23k
Amounts payable within one year42/48€22k
Financial debts43€6
Credit institutions430/8€6
Trade debts44€54
Suppliers440/4€54
Taxes, remuneration and social security45€14k
Taxes450/3€14k
Other amounts payable47/48€8k
Accrued charges and deferred income492/3€404
Income statement
Code2024
Other operating charges640/8€118
Gross operating margin9900€21k
Operating profit (loss)9901€21k
Financial income75/76B€10
Recurring financial income75€10
Financial charges65/66B€829
Recurring financial charges65€829
Profit (loss) for the period before taxes9903€20k
Income taxes67/77€6k
Profit (loss) for the period9904€14k
Profit (loss) for the period to be appropriated9905€14k
Appropriation of the result
Profit (loss) to be appropriated9906€14k
Transfer to equity691/2€14k
To other reserves6921€14k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
2 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, Hamme (Vl.) · 1 establishment unit since 2024
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.
Biezestraat 1479220 Hamme (Vl.)Ground area
1,426 m²
Building footprint
180 m²
Volume, LiDAR
1,057 m³
Parcel 42008A0276/02L000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Elfina Management
since 20242.360.774.815
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42008A0276/02L000 | Flanders | 1,426 m² | 1 · 180 m² | 9.0 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.
Similar companies · same sector, comparable size
B finance
BE 0829.441.852
Evere · Eq €16k
Darom
BE 0792.423.781
Lille · Eq €16k
aternio legal
BE 0735.429.848
Hamme (Vl.) · Eq €16k
URAEUS
BE 0752.651.803
Kortrijk · Eq €16k
V&E CONSULTANTS
BE 0726.604.036
Geraardsbergen · Eq €16k
Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,407 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-05-2024
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
43333Wallpapering and laying of floor and wall coverings in other materials
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46473Wholesale trade
47519Retail trade
47530Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.