EMA CONCEPT

Active

Private limited companyfounded 20233 yrs activeRue del Gotch (MOX) 19, 4280 Hannut, BelgiumKBO/BCE: BE 0798.152.127

The computed 12-month bankruptcy probability of EMA CONCEPT is 2.9% (moderate). The 2024 annual accounts show equity of €53k and a net result of €30k. Its solvency ranks better than 81% of 36373 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

69 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency100▲+4

Growth78

Track record94

Bankruptcy probability, 12 months

2.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity ample (current ratio 4.03 against 3.41 in 2023; short-term debt: 24.7% and cash: 1% of total assets), and 24.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-09-2025, 46 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 · 2 filings

Deviation from the deadline

2025

not confirmed

2024

46 d late

2023

47 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€53k▲ 129%

2023 · €23k

2023: €23k

2023 → 2024

Total assets

€70k▲ 115%

2023 · €33k

2023: €33k

2023 → 2024

Net result

€30k▲ 64.7%

2023 · €18k

2023: €18k

2023 → 2024

Working capital

€53k▲ 127%

2023 · €23k

2023: €23k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€23k-€53k▲ 129%

Operating result€22k-€39k▲ 73.2%

Net result€18k-€30k▲ 64.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2024; 2024 is 73% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €70k

99.2%

Fixed assets €539

Current assets €70k

Equity and liabilities €70k

75.3%

24.7%

Equity €53k▲ 129%

Debt €17k▲ 80.4%

The debt ratio falls from 29.3% to 24.7%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€39k

Cash flow

€30k

Solvency

75.3%▲

2023 · 70.7%

Current ratio

4.03▲

2023 · 3.41

Quick ratio

4.03▲

2023 · 3.41

Debt / equity

0.33▼

2023 · 0.42

ROE

56.4%▼

2023 · 78.4%

ROA

42.5%▼

2023 · 55.4%

Interest coverage

416.44

Debt

€17k▲

2023 · €10k

Debt ≤ 1 year

€17k▲

2023 · €10k

Income taxes

€10k▲

2023 · €5k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€33k€70k▲

Fixed assets21/28-€539

Tangible fixed assets22/27-€539

Plant, machinery and equipment23-€539

Current assets29/58€33k€70k▲

Amounts receivable within one year40/41€29k€69k▲

Trade receivables40€10k€30k▲

Other amounts receivable41€19k€39k▲

Cash at bank and in hand54/58€3k€672▼

Deferred charges and accrued income490/1€103€84▼

Equity and liabilities

Total equity and liabilities10/49€33k€70k▲

Equity10/15€23k€53k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€18k€48k▲

Amounts payable17/49€10k€17k▲

Amounts payable within one year42/48€10k€17k▲

Trade debts44€5k€895▼

Suppliers440/4€5k€895▼

Taxes, remuneration and social security45€5k€16k▲

Taxes450/3€5k€15k▲

Remuneration and social security454/9-€2k

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€260

Other operating charges640/8€184€401▲

Gross operating margin9900€23k€39k▲

Operating profit (loss)9901€22k€39k▲

Financial income75/76B€463€2k▲

Recurring financial income75€463€2k▲

Financial charges65/66B€50€94▲

Recurring financial charges65€50€94▲

Profit (loss) for the period before taxes9903€23k€40k▲

Income taxes67/77€5k€10k▲

Profit (loss) for the period9904€18k€30k▲

Profit (loss) for the period to be appropriated9905€18k€30k▲

Appropriation of the result

Profit (loss) to be appropriated9906€18k€48k▲

Profit (loss) brought forward from the previous period14P-€18k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

15-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 46 days late

2024

16-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 47 days late

NBB filing

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, Hannut · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Rue del Gotch (MOX) 194280 Hannut

Ground area

2,102 m²

Building footprint

196 m²

Volume, LiDAR

1,238 m³

Parcel 64051B0467/00E000, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

EMA CONCEPT

Rue del Gotch (MOX) 19, 4280 HannutGeneral construction of buildings

since 20232.341.675.812

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
64051B0467/00E000	Wallonia	2,102 m²	1 · 196 m²	8.5 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.

Similar companies · same sector, comparable size

Of 7,294 companies in sector 43350 we hold annual accounts for 2,361. 2,003 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded06-02-2023

Fiscal year end31-12

Activities, NACEBEL

43350Other building finishing work

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.