EM FINANCE

Active Risk: not assessed

Private limited companyfounded 2023active for 2 yearsPantserschipstraat 181, 9000 Gent, Belgium13 active companies are registered at this addressKBO/BCE: BE 1003.173.604

Summary

EM FINANCE 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 €2,737 and a net result of €1,737. Its solvency ranks better than 18% of 9,649 sector peers (NACE 64, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 1 administrative register entry (see administrative flags).

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EM FINANCEActive

Risk analysis Report Compare

Activity

Other financial services

NACE 64999

2 sites

Size

€21,611total assets 2025

Equity: €2,737
Profit: €1,737

Turnover not published (micro format)

Financial health

Financial institution: outside the modelBankruptcy probability: sector outside the model

Structure

Accounts filed 16 days late2 of 4 deeds read

Signalsraises riskWeak solvency vs sectorYoung companyAdministrative warnings in the KBO publicationsneutralFiled after the deadlineShow the evidence

Checked score

Outside the general model

Model not applicable to financial institutions

The Checked 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.

Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

Four signals.

raises riskneutral

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 9649 sector peers (2025).

NBB · sector comparison

Position among 9649 sector peers

Solvency

better than 18%

← weakest strongest →

Young company

Founded in 2023, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-02-2026, 16 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 1 filing

Deviation from the deadline

2025

16 days late

← before the deadline after the deadline →

Administrative warnings in the KBO publications

1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.

KBO publications

Publications

Address struck

07-07-2026 Registered officeRegistered-office move · Director in…
29-06-2026 Address struckevent 22-04-2026
16-02-2026 Annual accounts filedfinancial year 2025 · micro…

Key points

Caution: Among the weakest 10% on equitysector median €125,168 · 9,656 companies €2,737 View
Total assets 2025first financial year filed €21,611 View
Active since 2023founded 08-12-2023 2 years View