EMBEE
ActiveEMBEE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €29k. Equity is shrinking by ~26.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 20% of 1902 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency41▼-59
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 6.53 in 2024; short-term debt: 84.4% and cash: 91.3% of total assets), and 84.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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
15.6%
Return on assets
18%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 1902 sector peers (2025).
NBB · sector comparisonPosition among 1902 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 3 filingsDeviation from the deadline
2025
6 d late
2024
9 d early
2023
22 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▼ 74.3%
2024 · €96k
2023: €53k
2024: €96k
2023 → 2025
Total assets
€159k▲ 39.8%
2024 · €114k
2023: €88k
2024: €114k
2023 → 2025
Net result
€29k▼ 34.6%
2024 · €44k
2023: €53k
2024: €44k
2023 → 2025
Working capital
€23k▼ 75.9%
2024 · €96k
2023: €53k
2024: €96k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€53k-€96k▲ 82.8%€25k▼ 74.3%
Operating result€75k-€60k▼ 19.4%€38k▼ 36.6%
Net result€53k-€44k▼ 17.2%€29k▼ 34.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 37% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €159k
Fixed assets
€2k
Current assets
€157k
Equity and liabilities €159k
Equity
€25k▼ 74.3%
Debt
€134k▲ 671%
The debt ratio rises from 15.3% to 84.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€39k
Cash flow
€29k
Solvency
15.6%▼
2024 · 84.7%
Current ratio
1.17▼
2024 · 6.53
Quick ratio
1.17▼
2024 · 6.53
Debt / equity
5.43▲
2024 · 0.18
ROE
115.4%▲
2024 · 45.3%
ROA
18.0%▼
2024 · 38.4%
Interest coverage
340.55
Debt
€134k▲
2024 · €17k
Debt ≤ 1 year
€134k▲
2024 · €17k
Income taxes
€10k▼
2024 · €17k
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€114k€159k▲
Fixed assets21/28-€2k
Tangible fixed assets22/27-€2k
Plant, machinery and equipment23-€2k
Current assets29/58€114k€157k▲
Amounts receivable within one year40/41€9k€12k▲
Trade receivables40€8k€12k▲
Other amounts receivable41€708€0▼
Cash at bank and in hand54/58€105k€145k▲
Equity and liabilities
Total equity and liabilities10/49€114k€159k▲
Equity10/15€96k€25k▼
Reserves13€96k€96k=
Distributable reserves133€96k€96k=
Profit (loss) carried forward14-€-71k
Amounts payable17/49€17k€134k▲
Amounts payable within one year42/48€17k€134k▲
Trade debts44€67€196▲
Suppliers440/4€67€196▲
Taxes, remuneration and social security45€12k€29k▲
Taxes450/3€10k€21k▲
Remuneration and social security454/9€3k€8k▲
Other amounts payable47/48€5k€105k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€561
Other operating charges640/8€352€762▲
Gross operating margin9900€61k€40k▼
Operating profit (loss)9901€60k€38k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€113€114▲
Recurring financial charges65€113€114▲
Profit (loss) for the period before taxes9903€60k€38k▼
Income taxes67/77€17k€10k▼
Profit (loss) for the period9904€44k€29k▼
Profit (loss) for the period to be appropriated9905€44k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€29k▼
Transfer to equity691/2€44k€0▼
To other reserves6921€44k€0▼
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
The notes to these accounts (8 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
2026
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
31-12
Financial
Weakest financial yearnet €29k ▼34.6%
Net result drops to €29k, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 6.53
Current ratio from 2.50 to 6.53; short-term debt falls from €35k to €17k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Oostende · 1 establishment unit since 2022
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.
Frère-Orbanstraat 1278400 OostendeGround area
175 m²
Building footprint
103 m²
Volume, LiDAR
713 m³
Parcel 35383C0311/00B021, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EMBEE
since 20222.337.454.926
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35383C0311/00B021 | Flanders | 175 m² | 1 · 103 m² | 11.7 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
VERRINES
BE 0816.627.360
Rotselaar · Eq €25k
Something Else Marketing & Communications
BE 0818.183.419
Boutersem · Eq €25k
55 K
BE 0726.772.203
Sint-Gillis-Waas · Eq €25k
STORM FOOD
BE 0892.723.266
Tienen · Eq €25k
HUGECO
BE 0479.445.660
Beersel · Eq €25k
Of 3,153 companies in sector 63920 we hold annual accounts for 1,523. 1,121 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2022
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.