EM & EL CONSULT
ActiveEM & EL CONSULT 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 €85k and a net result of €367k. Equity is shrinking by ~18.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 21% of 5523 sector peers (fiscal year 2025). The company has been active since 2016 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 5523 sector peers (2025).
NBB · sector comparisonPosition among 5523 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 06-12-2025, 56 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
56 d early
2024
25 d early
2023
64 d early
2022
4 d early
2021
83 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€85k▲ 359%
2024 · €19k
2021: €235k
2022: €223k
2023: €223k
2024: €19k
2021 → 2025
Net result
€367k▲ 150%
2024 · €147k
2021: €161k
2022: €138k
2023: €151k
2024: €147k
2021 → 2025
Total assets
€430k▲ 8.8%
2024 · €395k
2021: €403k
2022: €385k
2023: €411k
2024: €395k
2021 → 2025
Solvency
19.8%▲ 15.1pp
2024 · 4.7%
2021: 58.5%
2022: 58.1%
2023: 54.4%
2024: 4.7%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€235k-€223k▼ 5.1%€223k=€19k▼ 91.7%€85k▲ 359%
Operating result€165k-€178k▲ 8.1%€195k▲ 9.4%€186k▼ 4.7%€363k▲ 95.4%
Net result€161k-€138k▼ 14.4%€151k▲ 9.9%€147k▼ 2.9%€367k▲ 150%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 95% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €430k
Fixed assets
€53k▼ 21.3%
Current assets
€378k▲ 14.9%
Equity and liabilities €430k
Equity
€85k▲ 359%
Debt
€345k▼ 8.5%
The debt ratio falls from 95.3% to 80.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
19.8%▲
2024 · 4.7%
ROE
429.7%▼
2024 · 789.8%
ROA
85.3%▲
2024 · 37.2%
Debt
€345k▼
2024 · €377k
Debt ≤ 1 year
€344k▼
2024 · €365k
Debt > 1 year
€876▼
2024 · €11k
Income taxes
€94k▲
2024 · €43k
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€395k€430k▲
Fixed assets21/28€67k€53k▼
Tangible fixed assets22/27€42k€34k▼
Plant, machinery and equipment23€1k€950▼
Furniture and vehicles24€41k€28k▼
Other tangible fixed assets26€357€5k▲
Financial fixed assets28€24k€19k▼
Current assets29/58€328k€378k▲
Amounts receivable within one year40/41€61k€39k▼
Trade receivables40€35k€20k▼
Other amounts receivable41€26k€19k▼
Current investments50/53€80k-
Cash at bank and in hand54/58€187k€339k▲
Deferred charges and accrued income490/1€617€59▼
Equity and liabilities
Total equity and liabilities10/49€395k€430k▲
Equity10/15€19k€85k▲
Contributions10/11€19k€19k=
Reserves13-€67k
Distributable reserves133-€67k
Amounts payable17/49€377k€345k▼
Amounts payable after more than one year17€11k€876▼
Financial debts170/4€11k€876▼
Amounts payable within one year42/48€365k€344k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€370€3k▲
Suppliers440/4€370€3k▲
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€770€7k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€352k€323k▼
Accrued charges and deferred income492/3€348-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€675€701▲
Non-recurring operating charges66A€46-
Gross operating margin9900€201k€379k▲
Operating profit (loss)9901€186k€363k▲
Financial income75/76B€5k€98k▲
Recurring financial income75€5k€4k▼
Non-recurring financial income76B-€94k
Financial charges65/66B€1k€627▼
Recurring financial charges65€1k€627▼
Profit (loss) for the period before taxes9903€189k€460k▲
Income taxes67/77€43k€94k▲
Profit (loss) for the period9904€147k€367k▲
Profit (loss) for the period to be appropriated9905€147k€367k▲
Appropriation of the result
Profit (loss) to be appropriated9906€147k€367k▲
Transfer from equity791/2€205k-
Transfer to equity691/2-€67k
To other reserves6921-€67k
Profit to be distributed694/7€352k€300k▼
Return on contributions (dividend)694€351k€300k▼
Directors or managers695€800-
The notes to these accounts (16 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
2025
06-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Highest result since 2021net €367k ▲150%
Operating result €363k, net result €367k, both a record.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Weakest financial yearnet €138k ▼14.4%
Net result drops to €138k, the lowest in the series; recovery starts the following year.
2021
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
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, Zottegem · 1 establishment unit since 2016
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.
Lindestraat 269620 ZottegemGround area
680 m²
Building footprint
115 m²
Volume, LiDAR
744 m³
Parcel 41069A0428/00P000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20162.254.354.234
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41069A0428/00P000 | Flanders | 680 m² | 1 · 115 m² | 9.6 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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BE 0719.423.858
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VIKOR
BE 0779.267.514
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L E M FORWARD
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 11,947 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-2016
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.