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E & M

Active
Private limited company·Houwen, bewerken en afwerken van natuursteen· 36 yrs active
Hundelgemsesteenweg 399 ·9820 Merelbeke-Melle, Belgium
KBO/BCE: BE 0441.305.854
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Age36 yrs
Board1
Real estate2 parcels · 982 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of E & M is 0.3% (very low). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 29-09-2025 60 d late 2025-00511944
31-12-2023 31-07-2024 27-09-2024 58 d late 2024-00487057
31-12-2022 31-07-2023 13-10-2023 74 d late 2023-00486546
31-12-2021 31-07-2022 31-08-2022 31 d late 2022-20363173
31-12-2020 31-07-2021 23-08-2021 23 d late 2021-54600210
31-12-2019 31-07-2020 17-11-2020 109 d late 2020-70800409
31-12-2018 31-07-2019 29-01-2020 182 d late 2020-04300518
31-12-2017 31-07-2018 18-09-2018 49 d late 2018-63400309
31-12-2016 31-07-2017 29-09-2017 60 d late 2017-65500066
31-12-2015 31-07-2016 28-09-2016 59 d late 2016-62700200

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Long-established
Founded in 1990, 36 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.3% Very low
0%0,5%1,5%4%10%≥25%
Long track record −Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Annual accounts & ratios

Source: NBB
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 29-09-2025 2025-00511944
31-12-2023 micro 27-09-2024 2024-00487057
31-12-2022 micro 13-10-2023 2023-00486546
31-12-2021 micro 31-08-2022 2022-20363173
31-12-2020 micro 23-08-2021 2021-54600210
31-12-2019 micro 17-11-2020 2020-70800409
31-12-2018 micro 29-01-2020 2020-04300518
31-12-2017 micro 18-09-2018 2018-63400309
31-12-2016 micro 29-09-2017 2017-65500066
31-12-2015 verkort 28-09-2016 2016-62700200

Directors

Directors & mandates

2 directors
Current directors & mandates
  • BRONSELAER Martine Annie
    Director
    State Gazette act 22351883 (16-08-2022)
    Current
    16-08-2022 → present
Former directors (1)
  • Freddy Heyse
    Director
    State Gazette act 22351883 (16-08-2022)
    Former
    - → 16-08-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Houwen, bewerken en afwerken van natuursteen(23700)
Legal form Private limited company(610)
Incorporation10-08-1990
StatusActive
Postal code9820

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Hundelgemsesteenweg 3999820 Merelbeke-Melle

Establishment units

1 location
GRAFZERKEN HEYSE
Brandweerstraat 72, 9820 Merelbeke-MelleVervaardiging van optische instrumenten, magnetische en optische dragers en fotografische apparatuur
since 19902.049.716.797
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area982 m²
Buildings2
Building footprint229 m²
Volume (LiDAR)1,778 m³
Tallest building12.6 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44412C0155/00B003 Flanders 505 m² 1 · 112 m² 10.0 m · 2 fl.
44412C0269/00Z003 Flanders 477 m² 1 · 117 m² 12.6 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 3 years ago
2022
16-08-2022 1 director appointed, 1 resigning Director changes·Jean-Francis Claerhout
  • BRONSELAER Martine Annie, Bestuurder
  • Freddy Heyse, Bestuurder
Notary: Jean-Francis Claerhout · Gent

Analysis

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 79 of the 745 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Houwen, bewerken en afwerken van natuursteen23700Houwen, bewerken en afwerken van natuursteen23700Houwen, bewerken en afwerken van bouw- en siersteen26700Overige detailhandel in nieuwe artikelen neg47789Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires in gespecialiseerde winkels (algemeen assortiment)47716Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)47716Detailhandel in medische en orthopedische artikelen in gespecialiseerde winkels47740Detailhandel in medische en orthopedische artikelen, muv corrigerende brillen, lenzen en zonnebrillen47741Detailhandel in cosmetica en toiletartikelen in gespecialiseerde winkels47750Detailhandel in cosmetica en toiletartikelen47750Detailhandel in uurwerken en sieraden in gespecialiseerde winkels47770Detailhandel in uurwerken en sieraden47770
Primary activity highlighted.
Names & trade names
Legal nameNL E & M
Registered office
Hundelgemsesteenweg 399 bus 1
9820 Merelbeke-Melle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.