Summary
EM TRADING 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 €5k and a net result of €4k. Its solvency ranks better than 43% of 2444 sector peers (fiscal year 2025). The company has been active since 2025 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 check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€5k
Net result
€4k
Total assets
€13k
Solvency
42.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €13k
Fixed assets
€1k
Current assets
€11k
Equity and liabilities €13k
Equity
€5k
Debt
€7k
Debt finances 57.3% of the balance-sheet total.
Key figures and ratios
ROE
72.1%
ROA
30.8%
Debt ≤ 1 year
€7k
Income taxes
€1k
Filed annual accounts As filed with the NBB · 2025 · 32 lines
Balance sheet
Code2025
Assets
Total assets20/58€13k
Fixed assets21/28€1k
Tangible fixed assets22/27€1k
Furniture and vehicles24€1k
Current assets29/58€11k
Amounts receivable within one year40/41€4k
Other amounts receivable41€4k
Cash at bank and in hand54/58€8k
Equity and liabilities
Total equity and liabilities10/49€13k
Equity10/15€5k
Contributions10/11€2k
Profit (loss) carried forward14€4k
Amounts payable17/49€7k
Amounts payable within one year42/48€7k
Trade debts44€752
Suppliers440/4€752
Taxes, remuneration and social security45€4k
Taxes450/3€1k
Remuneration and social security454/9€3k
Other amounts payable47/48€2k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€119
Gross operating margin9900€6k
Operating profit (loss)9901€6k
Financial income75/76B€147
Recurring financial income75€147
Financial charges65/66B€797
Recurring financial charges65€797
Profit (loss) for the period before taxes9903€5k
Income taxes67/77€1k
Profit (loss) for the period9904€4k
Profit (loss) for the period to be appropriated9905€4k
Appropriation of the result
Profit (loss) to be appropriated9906€4k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €119 |
| Gross operating margin9900 | €6k |
| Operating profit (loss)9901 | €6k |
| Financial income75/76B | €147 |
| Recurring financial income75 | €147 |
| Financial charges65/66B | €797 |
| Recurring financial charges65 | €797 |
| Profit (loss) for the period before taxes9903 | €5k |
| Income taxes67/77 | €1k |
| Profit (loss) for the period9904 | €4k |
| Profit (loss) for the period to be appropriated9905 | €4k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €13k | |
| Fixed assets21/28 | €1k | |
| Tangible fixed assets22/27 | €1k | |
| Furniture and vehicles24 | €1k | |
| Current assets29/58 | €11k | |
| Amounts receivable within one year40/41 | €4k | |
| Other amounts receivable41 | €4k | |
| Cash at bank and in hand54/58 | €8k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €13k | |
| Equity10/15 | €5k | |
| Contributions10/11 | €2k | |
| Profit (loss) carried forward14 | €4k | |
| Amounts payable17/49 | €7k | |
| Amounts payable within one year42/48 | €7k | |
| Trade debts44 | €752 | |
| Suppliers440/4 | €752 | |
| Taxes, remuneration and social security45 | €4k | |
| Taxes450/3 | €1k | |
| Remuneration and social security454/9 | €3k | |
| Other amounts payable47/48 | €2k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €4k |
| + Depreciation and write-downs630 | €119 |
| Operating cash flow (approximation) | €4k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Herbeumont · 1 establishment unit since 2025
Ground area
1,050 m²
Building footprint
135 m²
Parcel 84060A0549/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
EM Trading
since 20252.374.693.028
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84060A0549/00F000 | Wallonia | 1,050 m² | 1 · 135 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
4MB GROUP
BE 0752.722.275
Schaarbeek · Eq €5,491
TOCHA
BE 0767.702.342
Aalter · Eq €5,225
Accola
BE 0743.729.979
Brussel · Eq €5,000
Ecco Nova Finance
BE 0758.437.654
Liège · Eq €5,000
NRS21
BE 0769.527.724
Mortsel · Eq €5,000
Of 1,507 companies in sector 66199 we hold annual accounts for 917. 224 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-06-2025
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Scores and ratios are computed by Checked and are not a credit decision.