EPHYMAX
ActiveSummary
EPHYMAX has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €5k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 70% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+3
Solvency91▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.0 against 2.95 in 2024; short-term debt: 33.3% and cash: 44.2% of total assets), and 34.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
65.8%
Return on assets
4.7%
Age of the figures
9 mo
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 06-05-2026, 86 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
86 d early
2024
160 d early
2023
145 d early
2022
123 d early
2021
136 d early
2020
37 d early
2019
1 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€72k▲ 7.7%
2024 · €67k
2018: €15k
2019: €1k
2020: €8k
2021: €33k
2022: €68k
2023: €65k
2024: €67k
2018 → 2025
Total assets
€109k▲ 7.1%
2024 · €102k
2018: €89k
2019: €64k
2020: €53k
2021: €72k
2022: €127k
2023: €98k
2024: €102k
2018 → 2025
Net result
€5k▲ 81.6%
2024 · €3k
2018: €-6k
2019: €-13k
2020: €-6k
2021: €26k
2022: €35k
2023: €-3k
2024: €3k
2018 → 2025
Working capital
€73k▲ 8.9%
2024 · €67k
2018: €-2k
2019: €-7k
2020: €3k
2021: €33k
2022: €66k
2023: €64k
2024: €67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€68k▲ 106%€65k▼ 5.0%€67k▲ 3.1%€72k▲ 7.7%
Operating result€26k-€54k▲ 104%€1k▼ 97.7%€3k▲ 144%€8k▲ 167%
Net result€26k-€35k▲ 37.3%€-3k€3k€5k▲ 81.6%
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 167% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €109k
Equity
€72k ▲ 7.7%
Debt
€37k ▲ 5.8%
Debt's share of the balance-sheet total falls from 34.6% to 34.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€9k▲
2024 · €4k
Cash flow
€6k▲
2024 · €4k
Current ratio
3.00▲
2024 · 2.95
Quick ratio
2.76▲
2024 · 2.47
Debt to equity
0.52▼
2024 · 0.53
ROE
7.2%▲
2024 · 4.3%
ROA
4.7%▲
2024 · 2.8%
Interest coverage
36.43▼
2024 · 46.69
Debt ≤ 1 year
€36k▲
2024 · €34k
Income taxes
€3k▲
2024 · €291
Staff costs
€1k▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€102k€109k▲
Fixed assets21/28€765€0▼
Tangible fixed assets22/27€765€0▼
Plant, machinery and equipment23€765€0▼
Current assets29/58€101k€109k▲
Stocks and contracts in progress3€16k€9k▼
Stocks30/36€979€867▼
Contracts in progress37€15k€8k▼
Amounts receivable within one year40/41€36k€51k▲
Trade receivables40€17k€48k▲
Other amounts receivable41€18k€3k▼
Cash at bank and in hand54/58€48k€48k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€102k€109k▲
Equity10/15€67k€72k▲
Contributions10/11€19k€19k=
Reserves13€48k€53k▲
Distributable reserves133€48k€53k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€35k€37k▲
Amounts payable within one year42/48€34k€36k▲
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€0€627▲
Taxes450/3€0€627▲
Other amounts payable47/48€29k€29k▼
Accrued charges and deferred income492/3€947€978▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€950€765▼
Other operating charges640/8€899€795▼
Gross operating margin9900€7k€11k▲
Operating profit (loss)9901€3k€8k▲
Financial income75/76B€242€93▼
Recurring financial income75€242€93▼
Financial charges65/66B€84€239▲
Recurring financial charges65€84€239▲
Profit (loss) for the period before taxes9903€3k€8k▲
Income taxes67/77€291€3k▲
Profit (loss) for the period9904€3k€5k▲
Profit (loss) for the period to be appropriated9905€3k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€5k▲
Profit (loss) brought forward from the previous period14P€-1k€0▲
Transfer from equity791/2€0-
Transfer to equity691/2€634€5k▲
To other reserves6921€634€5k▲
Profit to be distributed694/7€833€0▼
Return on contributions (dividend)694€833€0▼
The notes to these accounts (9 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
06-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
08-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €35k ▲37.3%
Operating result €54k, net result €35k, both a record.
17-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €26k
Net result €26k after 3 loss-making years.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
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, Lille · 1 establishment unit since 2007
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.
Gierlebaan 652275 LilleGround area
1,153 m²
Building footprint
165 m²
Volume, LiDAR
904 m³
Parcel 13019E0344/00H000, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EPHYMAX
since 20072.166.850.237
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13019E0344/00H000 | Flanders | 1,153 m² | 1 · 165 m² | 11.8 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
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Huldenberg · Eq €71,993
Toon Interieurmaatwerk
BE 1000.845.208
Sint-Niklaas · Eq €72,008
ALUMINIUM GUILLOTINE & WINDOWS
BE 0771.353.797
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HMA MONTAGE
BE 0478.654.418
Charleroi · Eq €72,044
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,639 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2007
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.