EUROPEAN FINANCIAL SOLUTIONS

Active

Private limited companyfounded 20233 yrs activeJetse Steenweg 479, 1090 Jette, BelgiumKBO/BCE: BE 0797.711.370

Summary

EUROPEAN FINANCIAL SOLUTIONS has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €8k. Its solvency ranks better than 39% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

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Checked score

Score 2025

71 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+40

Solvency69▼-11

Growth78

Track record94

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity ample (current ratio 1.8 against 2.2 in 2024; short-term debt: 55.6% and cash: 9.2% of total assets), but 55.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 69

Relative position

BE, all sectors

reference

Sector 69

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-03-2026, 59 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 · 2 filings

Deviation from the deadline

2025

59 d late

2024

15 d late

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close24-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€14k▲ 137%

2024 · €6k

2024: €6k

2024 → 2025

Total assets

€32k▲ 192%

2024 · €11k

2024: €11k

2024 → 2025

Net result

€8k▲ 737%

2024 · €982

2024: €982

2024 → 2025

Working capital

€14k▲ 137%

2024 · €6k

2024: €6k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€6k-€14k▲ 137%

Operating result€982-€8k▲ 742%

Net result€982-€8k▲ 737%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 742% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €32k

44.4%

55.6%

Equity €14k ▲ 137%

Debt €18k ▲ 258%

Debt's share of the balance-sheet total rises from 45.4% to 55.6%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

Current ratio

1.80▼

2024 · 2.20

Debt to equity

1.25▲

2024 · 0.83

ROE

57.9%▲

2024 · 16.4%

ROA

25.7%▲

2024 · 9.0%

Debt ≤ 1 year

€18k▲

2024 · €5k

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 · 26 lines

Balance sheet Code20242025

Assets

Total assets20/58€11k€32k▲

Current assets29/58€11k€32k▲

Amounts receivable within one year40/41€5k€29k▲

Trade receivables40€242€28k▲

Other amounts receivable41€5k€1k▼

Cash at bank and in hand54/58€6k€3k▼

Equity and liabilities

Total equity and liabilities10/49€11k€32k▲

Equity10/15€6k€14k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€982€9k▲

Amounts payable17/49€5k€18k▲

Amounts payable within one year42/48€5k€18k▲

Trade debts44€5k€18k▲

Suppliers440/4€5k€18k▲

Taxes, remuneration and social security45-€117

Taxes450/3-€117

Income statement Code20242025

Other operating charges640/8€291-

Gross operating margin9900€1k€8k▲

Operating profit (loss)9901€982€8k▲

Financial charges65/66B€0€45▲

Recurring financial charges65€0€45▲

Profit (loss) for the period before taxes9903€982€8k▲

Profit (loss) for the period9904€982€8k▲

Profit (loss) for the period to be appropriated9905€982€8k▲

Appropriation of the result

Profit (loss) to be appropriated9906€982€9k▲

Profit (loss) brought forward from the previous period14P-€982

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-01-2027

2026

31-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 59 days late

2025

15-02

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 15 days late

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, Jette

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.

Jetse Steenweg 4791090 Jette

Ground area

2,738 m²

Building footprint

245 m²

Volume, LiDAR

2,317 m³

Parcel 21464D0091/00M000, Brussels · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21464D0091/00M000	Brussels	2,738 m²	1 · 245 m²	11.8 m · 3 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

JEAN-CLAUDE LOUIS-EXPERT COMPTABLE & CONSEIL FISCAL

dnf accountants for pensionfunds

BE 0832.807.059

Antwerpen · Eq €14,154

Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 3,746 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

Founded27-01-2023

Fiscal year end30-06

Activities, NACEBEL 2025

69201Certified accountants and tax accountants

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.