EM7
ActiveSummary
EM7 has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €55k and a net result of €14k. Equity is growing by ~44.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 11615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability69▼-31
Solvency73▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 1.59 in 2023; short-term debt: 51.7% of total assets), but 52.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
47.8%
Return on assets
12%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-10-2025, 81 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
81 d late
2023
68 d late
2022
31 d late
2021
18 d late
2020
89 d late
2019
118 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€55k▲ 33.5%
2023 · €41k
2018: €6k
2019: €16k
2020: €16k
2021: €15k
2022: €15k
2023: €41k
2018 → 2024
Total assets
€114k▲ 20.1%
2023 · €95k
2018: €34k
2019: €73k
2020: €92k
2021: €49k
2022: €54k
2023: €95k
2018 → 2024
Net result
€14k▼ 47.0%
2023 · €26k
2018: €29k
2019: €32k
2020: €35k
2021: €15k
2022: €240
2023: €26k
2018 → 2024
Working capital
€48k▲ 49.4%
2023 · €32k
2018: €263
2019: €12k
2020: €15k
2021: €5k
2022: €6k
2023: €32k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€16k-€15k▼ 10.3%€15k▲ 1.6%€41k▲ 172%€55k▲ 33.5%
Operating result€42k-€23k▼ 45.2%€3k▼ 86.9%€44k▲ 1,367%€20k▼ 55.9%
Net result€35k-€15k▼ 55.8%€240▼ 98.4%€26k▲ 10,666%€14k▼ 47.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 56% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €114k
Fixed assets
€7k ▼ 21.1%
Current assets
€107k ▲ 24.5%
Equity and liabilities €114k
Equity
€55k ▲ 33.5%
Debt
€60k ▲ 9.9%
Debt's share of the balance-sheet total falls from 57.0% to 52.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▼
2023 · €46k
Cash flow
€16k▼
2023 · €28k
Current ratio
1.81▲
2023 · 1.59
Debt to equity
1.09▼
2023 · 1.32
ROE
25.1%▼
2023 · 63.3%
ROA
12.0%▼
2023 · 27.2%
Interest coverage
4.23▼
2023 · 9.36
Debt ≤ 1 year
€59k▲
2023 · €54k
Income taxes
€6k▼
2023 · €14k
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 · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€95k€114k▲
Fixed assets21/28€9k€7k▼
Tangible fixed assets22/27€9k€7k▼
Furniture and vehicles24€2k€849▼
Other tangible fixed assets26€8k€6k▼
Current assets29/58€86k€107k▲
Amounts receivable within one year40/41€78k€106k▲
Trade receivables40€15k€19k▲
Other amounts receivable41€62k€87k▲
Cash at bank and in hand54/58€8k-
Deferred charges and accrued income490/1€156€824▲
Equity and liabilities
Total equity and liabilities10/49€95k€114k▲
Equity10/15€41k€55k▲
Contributions10/11€12k€12k=
Reserves13€28k€41k▲
Distributable reserves133€28k€41k▲
Profit (loss) carried forward14€754€1k▲
Amounts payable17/49€54k€60k▲
Amounts payable within one year42/48€54k€59k▲
Financial debts43€10k€13k▲
Credit institutions430/8€10k€13k▲
Trade debts44€10k€11k▲
Suppliers440/4€10k€11k▲
Taxes, remuneration and social security45€34k€35k▲
Taxes450/3€34k€35k▲
Accrued charges and deferred income492/3€348€470▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€49k€23k▼
Operating profit (loss)9901€44k€20k▼
Financial income75/76B€410€5k▲
Recurring financial income75€410€4k▲
Non-recurring financial income76B-€1k
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€40k€20k▼
Income taxes67/77€14k€6k▼
Profit (loss) for the period9904€26k€14k▼
Profit (loss) for the period to be appropriated9905€26k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€14k▼
Profit (loss) brought forward from the previous period14P€754€754=
Transfer to equity691/2€26k€13k▼
To other reserves6921€26k€13k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 81 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €240 ▼98.4%
Net result drops to €240, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-12
Financial
Highest result since 2018net €35k ▲7.7%
Net result €35k, the highest in the series.
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 118 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 62 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
2016
26-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Jurbise · 1 establishment unit since 2007
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.
Chemin de la Ferme(EL) 68A7050 JurbiseGround area
1,000 m²
Building footprint
133 m²
Parcel 53023A0318/00Y000, Wallonia. Linked by address, not a title deed.
1 establishment unit
EM7
since 20072.316.299.820
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53023A0318/00Y000 | Wallonia | 1,000 m² | 1 · 133 m² | - |
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.
Similar companies · same sector, comparable size
straight architecture
BE 0761.993.002
Bütgenbach · Eq €54,633
kluster architecten
BE 0799.614.451
Ieper · Eq €54,642
MbMp architecture
BE 0800.761.526
Herve · Eq €54,599
ONOFRI-VANTHIENEN
BE 0791.312.736
Antwerpen · Eq €54,598
VINCENTELLI ARCHITECTURE
BE 0821.624.147
Schaarbeek · Eq €54,764
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,382 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
Founded15-03-2007
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.