EMEL
ActiveEMEL has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €185k and a net result of €34k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 67% of 16012 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-7
Solvency89=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 1.5 against 1.53 in 2024), and 21.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
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
78.2%
Return on assets
14.5%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
35 d late
2023
2 d late
2022
12 d early
2021
22 d late
2020
17 d early
2019
84 d late
← 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€185k▲ 22.7%
2024 · €151k
2021: €111k
2022: €123k
2023: €128k
2024: €151k
2021 → 2025
Total assets
€237k▲ 8.6%
2024 · €218k
2021: €245k
2022: €217k
2023: €203k
2024: €218k
2021 → 2025
Net result
€34k▼ 24.2%
2024 · €45k
2021: €15k
2022: €18k
2023: €12k
2024: €45k
2021 → 2025
Working capital
€19k▼ 13.2%
2024 · €22k
2021: €5k
2022: €-1k
2023: €-1k
2024: €22k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€123k▲ 10.2%€128k▲ 4.6%€151k▲ 17.7%€185k▲ 22.7%
Operating result€25k-€29k▲ 13.5%€20k▼ 29.3%€65k▲ 223%€50k▼ 23.7%
Net result€15k-€18k▲ 14.4%€12k▼ 29.3%€45k▲ 265%€34k▼ 24.2%
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 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €237k
Fixed assets
€181k▲ 16.2%
Current assets
€56k▼ 10.2%
Equity and liabilities €237k
Equity
€185k▲ 22.7%
Debt
€52k▼ 23.1%
The debt ratio falls from 30.8% to 21.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€64k▼
2024 · €79k
Cash flow
€49k▼
2024 · €59k
Solvency
78.2%▲
2024 · 69.2%
Current ratio
1.50▼
2024 · 1.53
Quick ratio
1.50▼
2024 · 1.53
Debt / equity
0.28▼
2024 · 0.44
ROE
18.5%▼
2024 · 30.0%
ROA
14.5%▼
2024 · 20.8%
Interest coverage
45.12▼
2024 · 49.82
Debt
€52k▼
2024 · €67k
Debt ≤ 1 year
€37k▼
2024 · €41k
Debt > 1 year
€14k▼
2024 · €26k
Income taxes
€14k▼
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
Total assets
20/58€218k€237k▲
Fixed assets
21/28€155k€181k▲
Tangible fixed assets
22/27€155k€180k▲
Financial fixed assets
28€110€860▲
Current assets
29/58€63k€56k▼
Amounts receivable within one year
40/41€38k€46k▲
Cash & bank
54/58€22k€8k▼
Total equity & liabilities
10/49€218k€237k▲
Equity
10/15€151k€185k▲
Contributions / capital
10/11€36k€36k=
Reserves
13€115k€149k▲
Amounts payable
17/49€67k€52k▼
Amounts payable after one year
17€26k€14k▼
Amounts payable within one year
42/48€41k€37k▼
Trade debts payable within one year
44€3k€15k▲
Income statement
Code20242025
Gross operating margin
9900€83k€75k▼
Operating result
9901€65k€50k▼
Financial income
75€172€0▼
Financial charges
65€2k€1k▼
Result before taxes
9903€64k€48k▼
Income taxes
67/77€18k€14k▼
Net result for the period
9904€45k€34k▼
Result to be appropriated
9905€45k€34k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 35 days late
2024
31-12
Financial
Highest result since 2021net €45k ▲265%
Operating result €65k, net result €45k, both a record.
31-12
Financial
Equity above €150kEq €151k ▲17.7%
4 profitable years in a row build equity to €151k.
09-10
State Gazette act
Director changes
Jean-Pierre MARCHANT
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
31-12
Financial
Weakest financial yearnet €12k ▼29.3%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
23-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 84 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
08-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 39 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
1 director, last change in 2024
Michèle LEJEUNE
CurrentDirector · since 09-10-2024
09-10-2024
Appointed as Director
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Elsene · 1 establishment unit since 2003
Ground area
9,346 m²
Building footprint
205 m²
Volume, LiDAR
2,150 m³
Parcel 21447B0298/00S013, Brussels · tallest building 16.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Afrikaanse straat 1, 1050 Elsene
since 20032.303.641.815
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0298/00S013 | Brussels | 9,346 m² | 1 · 205 m² | 16.1 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.
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Of 16,585 companies in sector 86220 we hold annual accounts for 7,915. 6,806 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2003
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 14-07-2026. Scores and ratios are computed by Checked and are not a credit decision.