ENFIN
ActiveENFIN has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €240k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 10331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-1
Solvency25▼-23
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
0.3%
Return on assets
20.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 10331 sector peers (2025).
NBB · sector comparisonPosition among 10331 sector peers
Solvency
better than 14%
← weakest
strongest →
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 20-03-2026, 133 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
133 d early
2024
20 d early
2023
29 d late
2022
24 d late
2021
19 d early
2020
100 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3k▼ 98.8%
2024 · €250k
2020: €153k
2021: €314k
2022: €503k
2023: €734k
2024: €250k
2020 → 2025
Total assets
€1.15M▲ 3.9%
2024 · €1.11M
2020: €331k
2021: €522k
2022: €684k
2023: €853k
2024: €1.11M
2020 → 2025
Net result
€240k▼ 2.4%
2024 · €246k
2020: €150k
2021: €161k
2022: €189k
2023: €232k
2024: €246k
2020 → 2025
Working capital
€-74k
2024 · €183k
2020: €43k
2021: €206k
2022: €405k
2023: €651k
2024: €183k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€314k-€503k▲ 60.1%€734k▲ 46.1%€250k▼ 66.0%€3k▼ 98.8%
Operating result€206k-€245k▲ 19.0%€300k▲ 22.7%€316k▲ 5.2%€302k▼ 4.5%
Net result€161k-€189k▲ 17.3%€232k▲ 22.7%€246k▲ 5.8%€240k▼ 2.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.15M
Fixed assets
€77k▲ 15.4%
Current assets
€1.08M▲ 3.2%
Equity and liabilities €1.15M
Equity
€3k▼ 98.8%
Debt
€1.15M▲ 33.8%
The debt ratio rises from 77.5% to 99.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€318k▼
2024 · €333k
Cash flow
€256k▼
2024 · €263k
Solvency
0.3%▼
2024 · 22.5%
Current ratio
0.94▼
2024 · 1.21
Quick ratio
0.84▼
2024 · 1.08
ROA
20.8%▼
2024 · 22.2%
Interest coverage
58.81▼
2024 · 73.63
Debt
€1.15M▲
2024 · €859k
Debt ≤ 1 year
€1.15M▲
2024 · €859k
Income taxes
€77k▼
2024 · €82k
Staff costs
€53k▼
2024 · €62k
A ratio outside any meaningful range has been withheld (balance sheet total €1.15M, equity €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€1.11M€1.15M▲
Formation expenses20€24€0▼
Fixed assets21/28€67k€77k▲
Intangible fixed assets21-€3k
Tangible fixed assets22/27€67k€73k▲
Land and buildings22€59k€48k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€4k€13k▲
Assets under construction and advance payments27-€10k
Current assets29/58€1.04M€1.08M▲
Stocks and contracts in progress3€111k€111k▲
Stocks30/36€111k€111k▲
Amounts receivable within one year40/41€18k€29k▲
Trade receivables40€3k€2k▼
Other amounts receivable41€15k€26k▲
Current investments50/53€550k€650k▲
Cash at bank and in hand54/58€361k€277k▼
Deferred charges and accrued income490/1€2k€9k▲
Equity and liabilities
Total equity and liabilities10/49€1.11M€1.15M▲
Equity10/15€250k€3k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€247k€0▼
Amounts payable17/49€859k€1.15M▲
Amounts payable within one year42/48€859k€1.15M▲
Trade debts44€44k€23k▼
Suppliers440/4€44k€23k▼
Taxes, remuneration and social security45€150k€58k▼
Taxes450/3€135k€53k▼
Remuneration and social security454/9€14k€4k▼
Other amounts payable47/48€665k€1.07M▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€668€0▼
Remuneration, social security and pensions62€62k€53k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€16k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€396k€373k▼
Operating profit (loss)9901€316k€302k▼
Financial income75/76B€16k€20k▲
Recurring financial income75€16k€20k▲
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€328k€317k▼
Income taxes67/77€82k€77k▼
Profit (loss) for the period9904€246k€240k▼
Profit (loss) for the period to be appropriated9905€246k€240k▼
Appropriation of the result
Profit (loss) to be appropriated9906€977k€487k▼
Profit (loss) brought forward from the previous period14P€731k€247k▼
Profit to be distributed694/7€730k€487k▼
Return on contributions (dividend)694€730k€487k▼
Social balance
Average headcount (FTE)90872.01.5▼
The notes to these accounts (12 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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2020net €246k ▲5.8%
Operating result €316k, net result €246k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 6.49
Current ratio from 3.24 to 6.49; short-term debt falls from €181k to €119k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Equity above €500kEq €503k ▲60.1%
3 profitable years in a row build equity to €503k.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €314k ▲106%
2 profitable years in a row build equity to €314k.
22-04
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Kortrijk · 1 establishment unit since 2020
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.
Doorniksewijk(Kor) 168500 KortrijkGround area
629 m²
Building footprint
251 m²
Volume, LiDAR
4,076 m³
Parcel 34022E0034/00K000, Flanders · tallest building 18.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ENFIN
since 20202.300.169.611
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34022E0034/00K000 | Flanders | 629 m² | 1 · 251 m² | 18.7 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 2,211 companies in sector 47711 we hold annual accounts for 889. 278 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-2020
Fiscal year end31-12
Activities, NACEBEL
47711Retail sale of women's outerwear
47715Retail trade
47721Retail sale of footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress 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.