Summary
E & M HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €106k and a net result of €54k. Equity is growing by ~86.5% per year across the filed fiscal years. Its solvency ranks better than 13% of 8023 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
33 d late
2023
37 d late
2022
30 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▲ 105%
2024 · €52k
2022: €22k
2023: €20k
2024: €52k
2022 → 2025
Net result
€54k▲ 72.2%
2024 · €32k
2022: €19k
2023: €-1k
2024: €32k
2022 → 2025
Total assets
€1.73M▼ 1.2%
2024 · €1.75M
2022: €1.95M
2023: €1.90M
2024: €1.75M
2022 → 2025
Solvency
6.1%▲ 3.2pp
2024 · 3.0%
2022: 1.1%
2023: 1.1%
2024: 3.0%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€22k-€20k▼ 6.6%€52k▲ 156%€106k▲ 105%
Operating result€47k-€16k▼ 65.1%€62k▲ 278%€87k▲ 40.0%
Net result€19k-€-1k€32k€54k▲ 72.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.73M
Fixed assets
€1.73M ▼ 0.9%
Current assets
€7k ▼ 44.1%
Equity and liabilities €1.73M
Equity
€106k ▲ 105%
Debt
€1.63M ▼ 4.4%
Debt's share of the balance-sheet total falls from 97.0% to 93.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
51.2%▼
2024 · 60.9%
ROA
3.1%▲
2024 · 1.8%
Debt ≤ 1 year
€1.08M▲
2024 · €1.05M
Debt > 1 year
€550k▼
2024 · €653k
Income taxes
€18k▲
2024 · €15k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.75M€1.73M▼
Fixed assets21/28€1.74M€1.73M▼
Tangible fixed assets22/27€168k€152k▼
Land and buildings22€159k€152k▼
Furniture and vehicles24€9k-
Financial fixed assets28€1.58M€1.58M=
Current assets29/58€12k€7k▼
Amounts receivable within one year40/41€2k€7k▲
Trade receivables40-€7k
Other amounts receivable41€2k-
Cash at bank and in hand54/58€11k€134▼
Equity and liabilities
Total equity and liabilities10/49€1.75M€1.73M▼
Equity10/15€52k€106k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€49k€104k▲
Amounts payable17/49€1.70M€1.63M▼
Amounts payable after more than one year17€653k€550k▼
Financial debts170/4€653k€550k▼
Amounts payable within one year42/48€1.05M€1.08M▲
Current portion of amounts payable after more than one year42€102k€104k▲
Trade debts44€18k€18k▼
Suppliers440/4€18k€18k▼
Taxes, remuneration and social security45€12k€38k▲
Taxes450/3€12k€38k▲
Other amounts payable47/48€918k€918k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€7k▼
Other operating charges640/8-€3k
Gross operating margin9900€87k€96k▲
Operating profit (loss)9901€62k€87k▲
Financial charges65/66B€15k€14k▼
Recurring financial charges65€15k€14k▼
Profit (loss) for the period before taxes9903€47k€72k▲
Income taxes67/77€15k€18k▲
Profit (loss) for the period9904€32k€54k▲
Profit (loss) for the period to be appropriated9905€32k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€104k▲
Profit (loss) brought forward from the previous period14P€18k€49k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €54k ▲72.2%
Operating result €87k, net result €54k, both a record.
31-12
Financial
Equity above €100kEq €106k ▲105%
2 profitable years in a row build equity to €106k.
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 33 days late
2024
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
31-12
Financial
Weakest financial yearnet €-1k ▼107%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 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, Boortmeerbeek · 1 establishment unit since 2021
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.
Leuvensesteenweg 363191 BoortmeerbeekGround area
420 m²
Building footprint
432 m²
Volume, LiDAR
2,594 m³
2 parcels, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
E & M HOLDING
since 20212.321.922.949
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24039B0017/00E000 | Flanders | 252 m² | 1 · 264 m² | 11.0 m · 2 fl. |
| 23057B0229/00E004 | Flanders | 168 m² | 1 · 168 m² | 9.6 m · 2 fl. |
Linked by address, not proof of ownership
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.
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OBIA
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,472 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
Founded14-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.