PERFECT - ECHAF
ActivePERFECT - ECHAF has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €921k and a net result of €-222k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 62% of 2036 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
58
/ 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
Profitability22▼-35
Solvency76▼-1
Growth22▼-13
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 2.39 in 2024; short-term debt: 21.1% and cash: 13.2% of total assets), and 48.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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 €-222k
neutral · Filed after the deadline
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. 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
21 d late
2024
23 d early
2023
6 d early
2022
141 d late
2021
28 d late
2020
17 d late
2019
91 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.68M▼ 10.9%
2018 · €1.88M
2018: €1.88M
2018 → 2019
EBIT margin
-2.9%▼ 3.0pp
2018 · 0.1%
2018: 0.1%
2018 → 2019
Net result
€-222k▼ 276%
2024 · €-59k
2018: €-20k
2019: €-68k
2020: €-20k
2021: €47k
2022: €247k
2023: €62k
2024: €-59k
2018 → 2025
Working capital
€232k▼ 52.3%
2024 · €485k
2018: €396k
2019: €373k
2020: €539k
2021: €578k
2022: €695k
2023: €650k
2024: €485k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€994k-€1.14M▲ 14.8%€1.20M▲ 5.4%€1.14M▼ 4.9%€921k▼ 19.4%
Operating result€60k-€344k▲ 471%€101k▼ 70.7%€-33k€-178k▼ 440%
Net result€47k-€247k▲ 431%€62k▼ 75.1%€-59k€-222k▼ 276%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €178k in 2025 against €33k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.79M
Fixed assets
€1.18M▼ 14.7%
Current assets
€609k▼ 26.9%
Equity and liabilities €1.79M
Equity
€921k▼ 19.4%
Debt
€869k▼ 19.1%
The debt ratio rises from 48.4% to 48.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€87k▼
2024 · €167k
Cash flow
€43k▼
2024 · €141k
Solvency
51.5%▼
2024 · 51.6%
Current ratio
1.61▼
2024 · 2.39
Quick ratio
1.61▼
2024 · 2.39
Debt / equity
0.94▲
2024 · 0.94
ROE
-24.1%▼
2024 · -5.2%
ROA
-12.4%▼
2024 · -2.7%
Interest coverage
2.31▼
2024 · 4.98
Debt
€869k▼
2024 · €1.07M
Debt ≤ 1 year
€378k▲
2024 · €348k
Debt > 1 year
€490k▼
2024 · €726k
Income taxes
€11k▲
2024 · €2k
Staff costs
€1.26M▼
2024 · €1.34M
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€2.22M€1.79M▼
Fixed assets21/28€1.38M€1.18M▼
Tangible fixed assets22/27€1.38M€1.18M▼
Land and buildings22€734k€652k▼
Plant, machinery and equipment23€312k€240k▼
Furniture and vehicles24€337k€289k▼
Financial fixed assets28€225€225=
Current assets29/58€833k€609k▼
Amounts receivable within one year40/41€313k€322k▲
Trade receivables40€271k€302k▲
Other amounts receivable41€43k€20k▼
Cash at bank and in hand54/58€492k€237k▼
Deferred charges and accrued income490/1€28k€50k▲
Equity and liabilities
Total equity and liabilities10/49€2.22M€1.79M▼
Equity10/15€1.14M€921k▼
Contributions10/11€219k€219k=
Capital10€219k€219k=
Issued capital100€219k€219k=
Reserves13€923k€923k=
Non-distributable reserves130/1€26k€26k=
Legal reserve130€22k€22k=
Other1319€4k€4k=
Distributable reserves133€897k€897k=
Profit (loss) carried forward14€2k€-220k▼
Amounts payable17/49€1.07M€869k▼
Amounts payable after more than one year17€726k€490k▼
Financial debts170/4€726k€490k▼
Amounts payable within one year42/48€348k€378k▲
Current portion of amounts payable after more than one year42€236k€235k▼
Trade debts44€47k€68k▲
Suppliers440/4€47k€68k▲
Taxes, remuneration and social security45€65k€74k▲
Taxes450/3€15k€24k▲
Remuneration and social security454/9€50k€50k▼
Accrued charges and deferred income492/3€65€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.34M€1.26M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€200k€265k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€40k€5k▼
Other operating charges640/8€42k€33k▼
Gross operating margin9900€1.59M€1.38M▼
Operating profit (loss)9901€-33k€-178k▼
Financial income75/76B€9k€4k▼
Recurring financial income75€9k€4k▼
Financial charges65/66B€34k€38k▲
Recurring financial charges65€34k€38k▲
Profit (loss) for the period before taxes9903€-57k€-212k▼
Income taxes67/77€2k€11k▲
Profit (loss) for the period9904€-59k€-222k▼
Profit (loss) for the period to be appropriated9905€-59k€-222k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-220k▼
Profit (loss) brought forward from the previous period14P€62k€2k▼
Social balance
Average headcount (FTE)908720.217.4▼
The notes to these accounts (11 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 21 days late
2025
31-12
Financial
Weakest financial yearnet €-222k
Net result drops to €-222k, the lowest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 141 days late
2022
31-12
Financial
Highest result since 2018net €247k ▲431%
Operating result €344k, net result €247k, both a record.
31-12
Financial
Equity above €1MEq €1.14M ▲14.8%
2 profitable years in a row build equity to €1.14M.
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 28 days late
2021
31-12
Financial
Back to profitnet €47k
Net result €47k after 3 loss-making years.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 17 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Herstal · 1 establishment unit since 2003
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.
Parc Ind. des Hauts Sarts, 2e av 394040 Herstal1 establishment unit
Parc Ind. des Hauts Sarts, 2e av 39, 4040 Herstal
since 20032.126.979.178
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DOME CONSTRUCTIONS
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Of 15,536 companies in sector 43990 we hold annual accounts for 7,421. 3,396 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-02-2003
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filings
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.