PERFECT - ECHAF
ActiveSummary
PERFECT - ECHAF has been active since 2003 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €921,208 and a net result of -€222,364. Equity has been stable since 2018 (±1.5% per year). Its solvency ranks better than 62% of 2,445 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Overview
Official details
Source: KBO- Status
- Active since 21-02-2003 Normal situation
- Activity
- Other specialised construction activities NACE 43990
- Joint committees
- 200 Aanvullend Paritair Comité voor de bedienden
- 124 Paritair Comité voor het bouwbedrijf · annual accounts 2024
- Establishment unit
- 2.126.979.178 4040 Herstal, since 17-04-2003
- Financial year end
- 31 December
- Peppol
- Reachable since 04-07-2025
Board and ownership
Board
- SEVERI PhilippeManaging director
- SEVERI LaurenceDirector
- SEVERI PascaleDirector
Shareholders
- PERFECTY99.7%· score 972025 annual accounts of PERFECTY
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.7%
Annual accounts 2025
- Gross margin
- €1.4m
- ▼ 13.1%
- Turnover
- ≈ €3.9m
- estimated
- Loss
- €222,364
- ▲ 276%
- Equity
- €921,208
- ▼ 19.4%
- Total assets
- €1.8m
- ▼ 19.3%
- Employees on 31-12-2025
- 17
- ▼ 5.6%
- 2025 accounts filed 21 days after the deadline
Score breakdownraises riskLoss of €222,364, the second in a row (financial year 2025)Size: 17.4 FTE, total assets €1.8mSector: Specialised construction activities (NACE 43)lowers riskEquity €921,208 (51.5% of total assets)Show the evidence
Checked score
Score 2025
68
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 41% of small companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Average
Solvency
76-1
equity 51.5% of total assets
Liquidity
60-14
short-term debt 21.1% · cash 13.2%
Profitability
22-35
return on assets -12.4%
Bankruptcy probability within 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025lowest value
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 0.7%▲ +0.3 percentage points vs 08-2026highest value
10-2026: 0.7%● unchanged vs 09-2026highest value
11-2026: 0.7%● unchanged vs 10-2026highest value
Credit of up to €60,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.61 (2.39 in 2024), above the usual 1.5. Short-term debt is 21.1% and cash 13.2% of total assets. 48.5% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, small). It does better than 69% of them on solvency, 75% on liquidity, 10% on profitability and 12% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€222,364
raises risk · 2025 accounts filed 21 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
21 days late
2024
23 days early
2023
6 days early
2022
141 days late
2021
28 days late
2020
17 days late
2019
91 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 38 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 August (4 of the last 5 accounts filed within 44 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Key points
Recent changes
- · Gazette deed Amendment of the articles
- · Gazette deed Reappointments: SEVERI Philippe, SEVERI Pascale and SEVERI Laurence
- · Gazette deed Incorporation
Companies linked to PERFECT - ECHAF
Comparable companies
These companies have the same main activity as PERFECT - ECHAF: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €1.5m and €2.3m, founded between 1994 and 2005.
| Company | Total assets | Gross margin |
|---|---|---|
| PERFECT - ECHAF Herstal | €1.8m | €1.4m |
| GEBROEDERS SOMMEN Merksplas | €1.7m | €1.5m |
| X-SERVICE PLUS Genk | €1.7m | €1.2m |
| AV FACADE Juprelle | €2.3m | €1.4m |
| CPI TECHNOLOGIES Thimister-Clermont | €1.9m | €1.4m |
| ART & VOLTIGE Stavelot | €2.2m | €2.1m |
| PRO - CHAPES Aywaille | €1.5m | €1.2m |
Key facts about PERFECT - ECHAF
- What is the company number of PERFECT - ECHAF?
- The company number of PERFECT - ECHAF is 0479.614.124. The VAT number is the same number with BE in front: BE 0479.614.124.
- Where is PERFECT - ECHAF based?
- The registered office is at Parc Ind. des Hauts Sarts, 2e av 39, 4040 Herstal.Company details
- What does PERFECT - ECHAF do?
- According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
- What is the legal form of PERFECT - ECHAF?
- The legal form of PERFECT - ECHAF is Public limited company (NV).
- When was PERFECT - ECHAF founded?
- PERFECT - ECHAF was founded on 21-02-2003.
- Is PERFECT - ECHAF still active?
- Yes, PERFECT - ECHAF is an active enterprise in the KBO register.
- How many employees does PERFECT - ECHAF have?
- PERFECT - ECHAF had an average of 17.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does PERFECT - ECHAF fall under?
- In its 2024 annual accounts, PERFECT - ECHAF states joint committees 200 (Aanvullend Paritair Comité voor de bedienden) and 124 (Paritair Comité voor het bouwbedrijf).
- What is the turnover of PERFECT - ECHAF?
- The turnover in financial year 2025 is ≈ €3.9m. This figure is estimated from the gross margin of €1.4m and 68 comparable companies (NACE 43). It probably lies between €3.0m and €5.1m. In financial year 2019 turnover was €1.7m.
- Is PERFECT - ECHAF profitable?
- In financial year 2025, PERFECT - ECHAF made a loss of €222,364.
- Where can I find the annual accounts of PERFECT - ECHAF?
- PERFECT - ECHAF filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PERFECT - ECHAF due?
- PERFECT - ECHAF must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check
See how customers, suppliers and banks see your own company and what to improve first.