EMANNLOU
ActiveEMANNLOU is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. For EMANNLOU, one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €230k and a net result of €120k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 9864 sector peers (fiscal year 2024). The company has been active since 2019 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.
Filing: One filing cycle is missing
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts not filed
The financial year that closed on 30-06-2025 was due at the National Bank by 31-01-2026. Nothing is on record, 234 days later.
NBB · 5 filingsPosition against the passed deadline
30-06-2025 close31-01-2026 deadline22-09-2026 today
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 20-02-2025, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
not filed
2024
20 d late
2023
41 d early
2022
5 d early
2021
6 d early
2020
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€230k▲ 28.1%
2023 · €180k
2020: €85k
2021: €177k
2022: €276k
2023: €180k
2020 → 2024
Net result
€120k▲ 16.6%
2023 · €103k
2020: €78k
2021: €92k
2022: €99k
2023: €103k
2020 → 2024
Total assets
€367k▼ 14.2%
2023 · €428k
2020: €169k
2021: €205k
2022: €345k
2023: €428k
2020 → 2024
Solvency
62.7%▲ 20.7pp
2023 · 42.0%
2020: 50.5%
2021: 86.3%
2022: 80.1%
2023: 42.0%
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€85k-€177k▲ 108%€276k▲ 56.0%€180k▼ 35.0%€230k▲ 28.1%
Operating result€106k-€126k▲ 18.7%€132k▲ 4.4%€130k▼ 1.4%€136k▲ 4.2%
Net result€78k-€92k▲ 17.7%€99k▲ 7.8%€103k▲ 4.3%€120k▲ 16.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 4% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €367k
Fixed assets
€9k▼ 24.6%
Current assets
€358k▼ 13.9%
Equity and liabilities €367k
Equity
€230k▲ 28.1%
Debt
€137k▼ 44.9%
The debt ratio falls from 58.0% to 37.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
62.7%▲
2023 · 42.0%
ROE
52.4%▼
2023 · 57.6%
ROA
32.8%▲
2023 · 24.2%
Debt
€137k▼
2023 · €248k
Debt ≤ 1 year
€137k▼
2023 · €248k
Income taxes
€40k▲
2023 · €29k
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€428k€367k▼
Fixed assets21/28€12k€9k▼
Tangible fixed assets22/27€12k€9k▼
Plant, machinery and equipment23€654€288▼
Furniture and vehicles24€12k€9k▼
Current assets29/58€415k€358k▼
Amounts receivable within one year40/41€203k€190k▼
Trade receivables40€20k€42k▲
Other amounts receivable41€183k€148k▼
Current investments50/53€144k€115k▼
Cash at bank and in hand54/58€67k€52k▼
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€428k€367k▼
Equity10/15€180k€230k▲
Contributions10/11€7k€7k=
Reserves13€173k€223k▲
Distributable reserves133€173k€223k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€248k€137k▼
Amounts payable within one year42/48€248k€137k▼
Trade debts44€26€0▼
Suppliers440/4€26€0▼
Taxes, remuneration and social security45€48k€67k▲
Taxes450/3€48k€67k▲
Other amounts payable47/48€200k€70k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€138k€141k▲
Operating profit (loss)9901€130k€136k▲
Financial income75/76B€5k€26k▲
Recurring financial income75€5k€26k▲
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€132k€161k▲
Income taxes67/77€29k€40k▲
Profit (loss) for the period9904€103k€120k▲
Profit (loss) for the period to be appropriated9905€103k€120k▲
Appropriation of the result
Profit (loss) to be appropriated9906€103k€120k▲
Transfer from equity791/2€200k€0▼
Transfer to equity691/2€103k€50k▼
To other reserves6921€103k€50k▼
Profit to be distributed694/7€200k€70k▼
Return on contributions (dividend)694€200k€70k▼
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
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
30-06
Financial
Highest result since 2020net €120k ▲16.6%
Operating result €136k, net result €120k, both a record.
30-06
Financial
Equity above €200kEq €230k ▲28.1%
5 profitable years in a row build equity to €230k.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €200kEq €276k ▲56%
3 profitable years in a row build equity to €276k.
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Liquidity triplescurrent ratio 6.63
Current ratio from 1.99 to 6.63; short-term debt falls from €83k to €28k.
30-06
Financial
Equity above €150kEq €177k ▲108%
2 profitable years in a row build equity to €177k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Anzegem · 1 establishment unit since 2019
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.
Holdestraat 268570 AnzegemGround area
3,508 m²
Building footprint
267 m²
Volume, LiDAR
1,069 m³
Parcel 34011A0316/00G000, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
EMANNLOU
since 20192.295.735.028
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34011A0316/00G000 | Flanders | 3,508 m² | 1 · 267 m² | 6.5 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
8755002SCXOLQ8P6TJ59
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,574 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-08-2019
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.