EMBELLO
ActiveEMBELLO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 50% of 636 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
81
/ 100
Excellent▲ +25 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency63▲+41
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 0.99 in 2024), and 59% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 32
Relative position
BE, all sectors
reference
Sector 32
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
41%
Return on assets
25%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-06-2026, 49 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
49 d early
2024
40 d late
2023
30 d late
2022
63 d late
2021
31 d late
2020
30 d late
2019
4 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 0.9%
2024 · €20k
2018: €-31k
2019: €12k
2020: €-8k
2021: €8k
2022: €26k
2023: €19k
2024: €20k
2018 → 2025
Total assets
€49k▼ 59.6%
2024 · €120k
2018: €74k
2019: €75k
2020: €74k
2021: €61k
2022: €95k
2023: €113k
2024: €120k
2018 → 2025
Net result
€12k▼ 75.9%
2024 · €50k
2018: €-37k
2019: €43k
2020: €-21k
2021: €4k
2022: €48k
2023: €38k
2024: €50k
2018 → 2025
Working capital
€260
2024 · €-508
2018: €47k
2019: €-30k
2020: €-8k
2021: €-5k
2022: €8k
2023: €3k
2024: €-508
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€26k▲ 236%€19k▼ 25.9%€20k▲ 2.3%€20k▲ 0.9%
Operating result€4k-€58k▲ 1,376%€50k▼ 13.3%€71k▲ 41.7%€19k▼ 72.7%
Net result€4k-€48k▲ 1,177%€38k▼ 20.7%€50k▲ 31.8%€12k▼ 75.9%
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 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€24k▼ 14.0%
Current assets
€25k▼ 73.2%
Equity and liabilities €49k
Equity
€20k▲ 0.9%
Debt
€29k▼ 71.5%
The debt ratio falls from 83.6% to 59.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€27k▼
2024 · €78k
Cash flow
€20k▼
2024 · €58k
Solvency
41.0%▲
2024 · 16.4%
Current ratio
1.01▲
2024 · 0.99
Quick ratio
1.01▲
2024 · 0.99
Debt / equity
1.44▼
2024 · 5.10
ROE
61.1%▼
2024 · 255.4%
ROA
25.0%▼
2024 · 41.9%
Interest coverage
32.94▼
2024 · 106.16
Debt
€29k▼
2024 · €101k
Debt ≤ 1 year
€25k▼
2024 · €93k
Debt > 1 year
€4k▼
2024 · €7k
Income taxes
€7k▼
2024 · €20k
Staff costs
€11k▼
2024 · €23k
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€120k€49k▼
Fixed assets21/28€28k€24k▼
Intangible fixed assets21€18k€14k▼
Tangible fixed assets22/27€7k€7k▲
Furniture and vehicles24€7k€7k▲
Financial fixed assets28€3k€3k=
Current assets29/58€93k€25k▼
Amounts receivable within one year40/41€53k€12k▼
Trade receivables40€51k€12k▼
Other amounts receivable41€2k€675▼
Current investments50/53€25k-
Cash at bank and in hand54/58€13k€11k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€120k€49k▼
Equity10/15€20k€20k▲
Contributions10/11€19k€19k=
Reserves13€1k€1k▲
Distributable reserves133€1k€1k▲
Amounts payable17/49€101k€29k▼
Amounts payable after more than one year17€7k€4k▼
Financial debts170/4€7k€4k▼
Amounts payable within one year42/48€93k€25k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Financial debts43€15k-
Credit institutions430/8€15k-
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€13k€2k▼
Taxes450/3€8k€2k▼
Remuneration and social security454/9€4k-
Other amounts payable47/48€53k€17k▼
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Remuneration, social security and pensions62€23k€11k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€103k€40k▼
Operating profit (loss)9901€71k€19k▼
Financial income75/76B€836€529▼
Recurring financial income75€836€529▼
Financial charges65/66B€738€827▲
Recurring financial charges65€738€827▲
Profit (loss) for the period before taxes9903€71k€19k▼
Income taxes67/77€20k€7k▼
Profit (loss) for the period9904€50k€12k▼
Profit (loss) for the period to be appropriated9905€50k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€12k▼
Transfer to equity691/2€447€178▼
To other reserves6921€447€178▼
Profit to be distributed694/7€50k€12k▼
Return on contributions (dividend)694€50k€12k▼
The notes to these accounts (10 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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
31-12
Financial
Highest result since 2018net €50k ▲31.8%
Operating result €71k, net result €50k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
02-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 63 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Antwerpen · 1 establishment unit since 2017
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.
Grotesteenweg 5742600 AntwerpenGround area
522 m²
Building footprint
278 m²
Volume, LiDAR
3,441 m³
Parcel 11003A0230/00E002, Flanders · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
EMBELLO
since 20172.267.953.040
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0230/00E002 | Flanders | 522 m² | 1 · 278 m² | 14.8 m · 4 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
MatthisElle Retail
BE 0644.802.352
Geraardsbergen · Eq €20k
ATELIER FELIZ LATHOUWERS
BE 0797.571.711
Mortsel · Eq €20k
Joaillerie Leysen frères
BE 0403.394.195
Brussel · Eq €20k
TOSI
BE 0472.237.966
Schilde · Eq €20k
MORELLE DAVIDSON COLLECTION LIMITED
BE 1025.993.744
Brussel · Eq €20k
Of 1,524 companies in sector 32123 we hold annual accounts for 225. 160 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-2017
Fiscal year end31-12
Activities, NACEBEL
32123Manufacture of jewellery
73110Advertising agencies
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73200Market research and public opinion polling
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.