EMA Advice
ActiveEMA Advice has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €277k and a net result of €41k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-1
Solvency66▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 0.97 in 2024; short-term debt: 19.6% and cash: 22.8% of total assets), and 59.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.9%
Return on assets
6.1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 22-09-2025, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
4 d late
2023
5 d early
2022
3 d early
2021
40 d early
2020
46 d early
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€277k▲ 17.5%
2024 · €236k
2019: €79k
2020: €151k
2021: €206k
2022: €153k
2023: €190k
2024: €236k
2019 → 2025
Total assets
€678k▼ 1.4%
2024 · €688k
2019: €184k
2020: €572k
2021: €742k
2022: €642k
2023: €651k
2024: €688k
2019 → 2025
Net result
€41k▼ 10.8%
2024 · €46k
2019: €-30k
2020: €71k
2021: €56k
2022: €-53k
2023: €37k
2024: €46k
2019 → 2025
Working capital
€47k
2024 · €-5k
2019: €7k
2020: €176k
2021: €135k
2022: €9k
2023: €45k
2024: €-5k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€206k-€153k▼ 25.7%€190k▲ 23.9%€236k▲ 24.3%€277k▲ 17.5%
Operating result€92k-€-41k€49k€75k▲ 52.6%€68k▼ 8.7%
Net result€56k-€-53k€37k€46k▲ 25.9%€41k▼ 10.8%
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 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €678k
Fixed assets
€498k▼ 8.1%
Current assets
€180k▲ 23.3%
Equity and liabilities €678k
Equity
€277k▲ 17.5%
Debt
€401k▼ 11.3%
The debt ratio falls from 65.7% to 59.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€117k▼
2024 · €119k
Cash flow
€90k▼
2024 · €91k
Solvency
40.9%▲
2024 · 34.3%
Current ratio
1.36▲
2024 · 0.97
Quick ratio
1.36▲
2024 · 0.97
Debt / equity
1.45▼
2024 · 1.91
ROE
14.9%▼
2024 · 19.6%
ROA
6.1%▼
2024 · 6.7%
Interest coverage
10.06▼
2024 · 10.88
Debt
€401k▼
2024 · €452k
Debt ≤ 1 year
€133k▼
2024 · €151k
Debt > 1 year
€268k▼
2024 · €298k
Income taxes
€18k▼
2024 · €18k
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€688k€678k▼
Fixed assets21/28€542k€498k▼
Intangible fixed assets21€35k€21k▼
Tangible fixed assets22/27€494k€462k▼
Land and buildings22€405k€396k▼
Plant, machinery and equipment23€982€1k▲
Furniture and vehicles24€88k€65k▼
Financial fixed assets28€13k€15k▲
Current assets29/58€146k€180k▲
Amounts receivable within one year40/41€31k€25k▼
Trade receivables40€30k€25k▼
Other amounts receivable41€683-
Cash at bank and in hand54/58€114k€154k▲
Deferred charges and accrued income490/1€613€1k▲
Equity and liabilities
Total equity and liabilities10/49€688k€678k▼
Equity10/15€236k€277k▲
Contributions10/11€124k€124k=
Reserves13€112k€153k▲
Non-distributable reserves130/1€13k€13k=
Reserves not available under the articles1311€13k€13k=
Distributable reserves133€99k€140k▲
Amounts payable17/49€452k€401k▼
Amounts payable after more than one year17€298k€268k▼
Financial debts170/4€298k€268k▼
Amounts payable within one year42/48€151k€133k▼
Current portion of amounts payable after more than one year42€29k€30k▲
Trade debts44€20k€9k▼
Suppliers440/4€20k€9k▼
Taxes, remuneration and social security45€33k€23k▼
Taxes450/3€33k€23k▼
Other amounts payable47/48€70k€71k▲
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Non-recurring operating income76A€8k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€48k▲
Other operating charges640/8€7k€885▼
Non-recurring operating charges66A€1k-
Gross operating margin9900€128k€118k▼
Operating profit (loss)9901€75k€68k▼
Financial income75/76B€617€2k▲
Recurring financial income75€617€2k▲
Financial charges65/66B€11k€12k▲
Recurring financial charges65€11k€12k▲
Non-recurring financial charges66B€74-
Profit (loss) for the period before taxes9903€64k€59k▼
Income taxes67/77€18k€18k▼
Profit (loss) for the period9904€46k€41k▼
Profit (loss) for the period to be appropriated9905€46k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€41k▲
Profit (loss) brought forward from the previous period14P€-13k-
Transfer to equity691/2€33k€41k▲
To the legal reserve6920€33k€41k▲
The notes to these accounts (11 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
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
04-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
31-03
Financial
Equity above €200kEq €236k ▲24.3%
2 profitable years in a row build equity to €236k.
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €-53k ▼195%
Net result drops to €-53k, the lowest in the series; recovery starts the following year.
2021
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Equity above €200kEq €206k ▲36.9%
2 profitable years in a row build equity to €206k.
2020
15-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €71k
Net result €71k after one loss-making year.
31-03
Financial
Liquidity triplescurrent ratio 2.85
Current ratio from 1.07 to 2.85; short-term debt falls from €105k to €95k.
31-03
Financial
Equity above €150kEq €151k ▲89.8%
Equity rises from €79k to €151k.
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
11-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
06-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Buggenhout · 1 establishment unit since 2005
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.
Judocus Rogmanstraat 199255 BuggenhoutGround area
604 m²
Building footprint
128 m²
Volume, LiDAR
620 m³
Parcel 42004B0070/00X000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EMA Advice
since 20052.147.432.916
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42004B0070/00X000 | Flanders | 604 m² | 1 · 128 m² | 7.5 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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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 38,515 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-2005
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.