ENGEFIN
ActiveSummary
The computed 12-month bankruptcy probability of ENGEFIN is 1.6% (moderate). The 2025 annual accounts show negative equity (-€7,015) and a net result of -€685. Equity is shrinking by ~4.4% per year across the filed fiscal years. The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability2▼-9
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.43 against 0.46 in 2024; short-term debt: 233.1% and cash: 1.3% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-133.1%
Return on assets
-13%
Age of the figures
9 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€7,015
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
194 d late
2023
31 d late
2022
30 d late
2021
31 d late
2020
30 d late
2019
151 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 71 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
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. Usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€7,015▼ 10.8%
2024 · -€6,330
Total assets
€5,268▼ 0.8%
2024 · €5,313
Net result
-€685▼ 95.6%
2024 · -€350
Working capital
-€7,015▼ 10.8%
2024 · -€6,330
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€156▲ 53.4%-€159▼ 2.0%-€173▼ 8.6%-€302▼ 74.9%-€640▼ 112%
Net result-€216▲ 43.9%-€220▼ 2.2%-€233▼ 5.7%-€350▼ 50.5%-€685▼ 95.6%
Equity-€5,526▼ 4.1%-€5,747▼ 4.0%-€5,979▼ 4.0%-€6,330▼ 5.9%-€7,015▼ 10.8%
Total assets€5,433▲ 3.6%€5,422▼ 0.2%€5,362▼ 1.1%€5,313▼ 0.9%€5,268▼ 0.8%
Debt€10,960▲ 3.8%€11,169▲ 1.9%€11,341▲ 1.5%€11,643▲ 2.7%€12,283▲ 5.5%
Working capital-€5,526▼ 4.1%-€5,747▼ 4.0%-€5,979▼ 4.0%-€6,330▼ 5.9%-€7,015▼ 10.8%
Staff (FTE)0000
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €640 in 2025 against €302 in 2024; the loss grows and 2025 has the lowest result in the available series.
Key figures and ratios
EBITDA
-€640▼
2024 · -€302
Cash flow
-€685▼
2024 · -€350
Solvency
-133.1%▼
2024 · -119.1%
Current ratio
0.43▼
2024 · 0.46
Debt to equity
-1.75▲
2024 · -1.84
ROA
-13.0%▼
2024 · -6.6%
Interest coverage
-14.22▼
2024 · -5.87
Debt ≤ 1 year
€12,283▲
2024 · €11,643
Debt > 1 year
€0=
2024 · €0
Income taxes
€0=
2024 · €0
Staff costs
€0=
2024 · €0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
9.8%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €0 | €0 | €0 | €0 | €0 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0 | €0 | €0 | €0 | €0 | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €0 | €0 | €0 | €0 | €0 | - |
| Other operating charges640/8 | €156 | €159 | €173 | €302 | €640 | ▲ 112% |
| Gross operating margin9900 | €0 | €0 | €0 | €0 | €0 | - |
| Operating profit (loss)9901 | -€156 | -€159 | -€173 | -€302 | -€640 | ▼ 112% |
| Financial income75/76B | €0 | €0 | €0 | €3 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | €0 | €0 | €0 | €0 | - |
| Non-recurring financial income76B | €0 | €0 | €0 | €3 | €0 | ▼ 100% |
| Financial charges65/66B | €60 | €61 | €60 | €51 | €45 | ▼ 12.4% |
| Recurring financial charges65 | €60 | €61 | €60 | €51 | €45 | ▼ 12.4% |
| Non-recurring financial charges66B | €0 | €0 | €0 | €0 | €0 | - |
| Profit (loss) for the period before taxes9903 | -€216 | -€220 | -€233 | -€350 | -€685 | ▼ 95.6% |
| Transfer from deferred taxes780 | €0 | €0 | €0 | €0 | €0 | - |
| Transfer to deferred taxes680 | €0 | €0 | €0 | €0 | €0 | - |
| Income taxes67/77 | €0 | €0 | €0 | €0 | €0 | - |
| Profit (loss) for the period9904 | -€216 | -€220 | -€233 | -€350 | -€685 | ▼ 95.6% |
| Transfer from tax-exempt reserves789 | €0 | €0 | €0 | €0 | €0 | - |
| Transfer to tax-exempt reserves689 | €0 | €0 | €0 | €0 | €0 | - |
| Profit (loss) for the period to be appropriated9905 | -€216 | -€220 | -€233 | -€350 | -€685 | ▼ 95.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5,433 | €5,422 | €5,362 | €5,313 | €5,268 | ▼ 0.8% |
| Formation expenses20 | - | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | - | €0 | €0 | €0 | €0 | - |
| Intangible fixed assets21 | €0 | €0 | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €0 | €0 | €0 | €0 | €0 | - |
| Land and buildings22 | - | €0 | €0 | €0 | €0 | - |
| Plant, machinery and equipment23 | - | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | - | €0 | €0 | €0 | €0 | - |
| Leasing and similar rights25 | - | €0 | €0 | €0 | €0 | - |
| Other tangible fixed assets26 | - | €0 | €0 | €0 | €0 | - |
| Assets under construction and advance payments27 | - | €0 | €0 | €0 | €0 | - |
| Financial fixed assets28 | €0 | €0 | €0 | €0 | €0 | - |
| Current assets29/58 | €5,433 | €5,422 | €5,362 | €5,313 | €5,268 | ▼ 0.8% |
| Amounts receivable after more than one year29 | €0 | €0 | €0 | €0 | €0 | - |
| Trade receivables290 | - | €0 | €0 | €0 | €0 | - |
| Other amounts receivable291 | - | €0 | €0 | €0 | €0 | - |
| Stocks and contracts in progress3 | - | €0 | €0 | €0 | €0 | - |
| Stocks30/36 | €0 | €0 | €0 | €0 | €0 | - |
| Contracts in progress37 | - | €0 | €0 | €0 | €0 | - |
| Amounts receivable within one year40/41 | €5,198 | €5,198 | €5,198 | €5,198 | €5,198 | = |
| Trade receivables40 | €0 | €0 | €0 | €0 | €0 | - |
| Other amounts receivable41 | €5,198 | €5,198 | €5,198 | €5,198 | €5,198 | = |
| Current investments50/53 | - | €0 | €0 | €0 | €0 | - |
| Cash at bank and in hand54/58 | €236 | €224 | €164 | €116 | €71 | ▼ 38.8% |
| Deferred charges and accrued income490/1 | - | €0 | €0 | €0 | €0 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5,433 | €5,422 | €5,362 | €5,313 | €5,268 | ▼ 0.8% |
| Equity10/15 | -€5,526 | -€5,747 | -€5,979 | -€6,330 | -€7,015 | ▼ 10.8% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | €0 | €0 | €0 | €0 | - | - |
| Issued capital100 | €0 | €0 | €0 | €0 | - | - |
| Uncalled capital101 | €0 | €0 | €0 | €0 | - | - |
| Outside capital11 | €18,592 | €18,592 | €18,592 | €18,592 | - | - |
| Share premium1100/10 | €0 | €0 | €0 | €0 | - | - |
| Other1109/19 | €18,592 | €18,592 | €18,592 | €18,592 | - | - |
| Revaluation surpluses12 | €0 | €0 | €0 | €0 | €0 | - |
| Reserves13 | €0 | €0 | €0 | €0 | €0 | - |
| Non-distributable reserves130/1 | €0 | €0 | €0 | €0 | €0 | - |
| Legal reserve130 | €0 | €0 | €0 | €0 | - | - |
| Reserves not available under the articles1311 | €0 | €0 | €0 | €0 | €0 | - |
| Own shares acquired1312 | €0 | €0 | €0 | €0 | €0 | - |
| Financial assistance1313 | €0 | €0 | €0 | €0 | €0 | - |
| Other1319 | €0 | €0 | €0 | €0 | €0 | - |
| Tax-exempt reserves132 | €0 | €0 | €0 | €0 | €0 | - |
| Distributable reserves133 | €0 | €0 | €0 | €0 | €0 | - |
| Profit (loss) carried forward14 | -€24,118 | -€24,339 | -€24,571 | -€24,922 | -€25,607 | ▼ 2.7% |
| Investment grants15 | €0 | €0 | €0 | €0 | €0 | - |
| Advance to shareholders on the distribution of net assets19 | €0 | €0 | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €0 | €0 | €0 | €0 | €0 | - |
| Provisions for liabilities and charges160/5 | €0 | - | - | - | - | - |
| Deferred taxes168 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €10,960 | €11,169 | €11,341 | €11,643 | €12,283 | ▲ 5.5% |
| Amounts payable after more than one year17 | €0 | €0 | €0 | €0 | €0 | - |
| Financial debts170/4 | €0 | €0 | €0 | €0 | €0 | - |
| Trade debts175 | €0 | €0 | €0 | €0 | €0 | - |
| Advances received on contracts in progress176 | €0 | €0 | €0 | €0 | €0 | - |
| Other amounts payable178/9 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable within one year42/48 | €10,960 | €11,169 | €11,341 | €11,643 | €12,283 | ▲ 5.5% |
| Current portion of amounts payable after more than one year42 | €0 | €0 | €0 | €0 | €0 | - |
| Financial debts43 | €0 | €0 | €0 | €0 | €0 | - |
| Credit institutions430/8 | €0 | €0 | €0 | €0 | €0 | - |
| Other loans439 | €0 | €0 | €0 | €0 | €0 | - |
| Trade debts44 | €101 | €101 | €101 | €101 | €101 | = |
| Suppliers440/4 | €101 | €101 | €101 | €101 | €101 | = |
| Bills of exchange payable441 | €0 | €0 | €0 | €0 | €0 | - |
| Advances received on contracts in progress46 | €0 | €0 | €0 | €0 | €0 | - |
| Taxes, remuneration and social security45 | €2,543 | €2,543 | €2,543 | €2,543 | €2,543 | = |
| Taxes450/3 | €2,543 | €2,543 | €2,543 | €2,543 | €2,543 | = |
| Remuneration and social security454/9 | €0 | €0 | €0 | €0 | €0 | - |
| Other amounts payable47/48 | €8,315 | €8,524 | €8,697 | €8,999 | €9,639 | ▲ 7.1% |
| Accrued charges and deferred income492/3 | €0 | €0 | €0 | €0 | €0 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€216 | -€220 | -€233 | -€350 | -€685 | ▼ 95.6% |
| + Depreciation and write-downs630 | €0 | €0 | €0 | €0 | €0 | - |
| Operating cash flow (approximation) | -€216 | -€220 | -€233 | -€350 | -€685 | ▼ 95.6% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | €0 | - |
| Change in cash | - | -€11 | -€60 | -€48 | -€45 | ▲ 7.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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
10-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 194 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
29-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 151 days late
2019
31-12
Financial
Back to profitnet €2,169
Net result €2,169 after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 32 days late
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 90 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 1997
Ground area
340 m²
Building footprint
169 m²
Volume, LiDAR
1,574 m³
Parcel 11346B0536/00P006, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
ENGEFIN BVBA
since 19972.083.477.054
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11346B0536/00P006 | Flanders | 340 m² | 1 · 169 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded02-06-1997
Fiscal year end31-12
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.