CUIS'IN EMOI
ActiveCUIS'IN EMOI has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €4k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 27% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
76
/ 100
Excellent▼ -15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-71
Solvency52▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.62 in 2024), but 74.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
25.7%
Return on assets
1.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
28 d late
2023
13 d late
2022
28 d late
2021
29 d late
2020
30 d late
2019
39 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 6.2%
2024 · €70k
2018: €44k
2019: €46k
2020: €57k
2021: €74k
2022: €91k
2023: €35k
2024: €70k
2018 → 2025
Total assets
€291k▲ 11.7%
2024 · €261k
2018: €157k
2019: €147k
2020: €186k
2021: €206k
2022: €231k
2023: €208k
2024: €261k
2018 → 2025
Net result
€4k▼ 87.7%
2024 · €35k
2018: €4k
2019: €2k
2020: €11k
2021: €17k
2022: €17k
2023: €12k
2024: €35k
2018 → 2025
Working capital
€72k▲ 8.5%
2024 · €66k
2018: €28k
2019: €3k
2020: €81k
2021: €74k
2022: €105k
2023: €77k
2024: €66k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€91k▲ 22.7%€35k▼ 61.4%€70k▲ 101%€75k▲ 6.2%
Operating result€20k-€22k▲ 14.2%€17k▼ 24.8%€52k▲ 205%€9k▼ 83.4%
Net result€17k-€17k▼ 1.6%€12k▼ 26.8%€35k▲ 188%€4k▼ 87.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 83% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €291k
Fixed assets
€103k▲ 16.4%
Current assets
€189k▲ 9.3%
Equity and liabilities €291k
Equity
€75k▲ 6.2%
Debt
€217k▲ 13.7%
The debt ratio rises from 73.0% to 74.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€43k▼
2024 · €72k
Cash flow
€38k▼
2024 · €55k
Solvency
25.7%▼
2024 · 27.0%
Current ratio
1.62▼
2024 · 1.62
Quick ratio
1.45▲
2024 · 1.45
Debt / equity
2.90▲
2024 · 2.70
ROE
5.8%▼
2024 · 50.3%
ROA
1.5%▼
2024 · 13.6%
Interest coverage
15.06▼
2024 · 42.52
Debt
€217k▲
2024 · €191k
Debt ≤ 1 year
€117k▲
2024 · €106k
Debt > 1 year
€33k▼
2024 · €34k
Income taxes
€2k▼
2024 · €15k
Staff costs
€33k▲
2024 · €17k
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€261k€291k▲
Fixed assets21/28€88k€103k▲
Tangible fixed assets22/27€88k€103k▲
Land and buildings22€34k€37k▲
Furniture and vehicles24€54k€66k▲
Current assets29/58€173k€189k▲
Stocks and contracts in progress3€19k€19k=
Stocks30/36€19k€19k=
Amounts receivable within one year40/41€66k€71k▲
Trade receivables40€57k€67k▲
Other amounts receivable41€9k€4k▼
Cash at bank and in hand54/58€85k€94k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€261k€291k▲
Equity10/15€70k€75k▲
Contributions10/11€20k€20k=
Reserves13€37k€37k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€13k€17k▲
Amounts payable17/49€191k€217k▲
Amounts payable after more than one year17€34k€33k▼
Financial debts170/4€34k€33k▼
Amounts payable within one year42/48€106k€117k▲
Current portion of amounts payable after more than one year42€12k€18k▲
Trade debts44€47k€39k▼
Suppliers440/4€47k€39k▼
Taxes, remuneration and social security45€7k€24k▲
Taxes450/3€7k€20k▲
Remuneration and social security454/9€133€4k▲
Other amounts payable47/48€40k€36k▼
Accrued charges and deferred income492/3€51k€67k▲
Income statement
Code20242025
Remuneration, social security and pensions62€17k€33k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€34k▲
Other operating charges640/8€2k€806▼
Gross operating margin9900€90k€77k▼
Operating profit (loss)9901€52k€9k▼
Financial income75/76B€664€508▼
Recurring financial income75€664€508▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€51k€6k▼
Income taxes67/77€15k€2k▼
Profit (loss) for the period9904€35k€4k▼
Profit (loss) for the period to be appropriated9905€35k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€17k▼
Profit (loss) brought forward from the previous period14P€13k€13k=
Transfer to equity691/2€35k€0▼
To other reserves6921€35k€0▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (8 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €35k ▲188%
Operating result €52k, net result €35k, both a record.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 2.64
Current ratio from 1.04 to 2.64; short-term debt falls from €75k to €49k.
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
31-12
Financial
Weakest financial yearnet €2k ▼47.9%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Verviers · 1 establishment unit since 2006
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.
Avenue Peltzer 804800 VerviersGround area
886 m²
Building footprint
117 m²
Volume, LiDAR
682 m³
Parcel 63079E0012/00N005, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CUIS'IN EMOI
since 20062.153.083.462
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079E0012/00N005 | Wallonia | 886 m² | 1 · 117 m² | 8.3 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.
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Of 19,947 companies in sector 43320 we hold annual accounts for 9,084. 7,614 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2006
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
45421
47551Retail sale of household furniture
47591Retail trade
47400Retail sale of information and communication equipment
47410Retail trade
52441
52487
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.