EMFIOS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2014 annual accounts show equity of €38.48M and a net result of €1.84M. Equity is growing by ~30.7% per year across the filed fiscal years. The company has been active since 2008 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: Five or more filing cycles are missing. This points to a standstill, not an imminent failure.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · No filing for years
The last filed financial year closed on 31-12-2014. Since then, 11 financial years are missing. This points to a standstill, not an imminent failure.
NBB · 7 filingsPosition against the passed deadline
31-12-2015 close31-07-2016 deadline21-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2014 was due by 31-07-2015 and was filed on 31-08-2015, 31 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
not filed
2021
not filed
2020
not filed
2019
not filed
← before the deadline
after the deadline →
Financials · fiscal year 2014, abbreviated schema
Equity
€38.48M▲ 5.0%
2013 · €36.63M
2010: €945k
2011: €1.16M
2012: €34.66M
2013: €36.63M
2010 → 2014
Net result
€1.84M▼ 6.6%
2013 · €1.97M
2010: €501k
2011: €620k
2012: €868k
2013: €1.97M
2010 → 2014
Total assets
€38.73M▲ 5.1%
2013 · €36.86M
2010: €1.09M
2011: €1.96M
2012: €34.90M
2013: €36.86M
2010 → 2014
Solvency
99.3%=
2013 · 99.4%
2010: 86.9%
2011: 59.6%
2012: 99.3%
2013: 99.4%
2010 → 2014
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20102011201220132014Trend
Equity€945k-€1.16M▲ 23.2%€34.66M▲ 2,875%€36.63M▲ 5.7%€38.48M▲ 5.0%
Operating result€751k-€1.09M▲ 44.6%€1.24M▲ 14.1%€1.27M▲ 2.5%€1.28M▲ 0.9%
Net result€501k-€620k▲ 23.6%€868k▲ 40.0%€1.97M▲ 128%€1.84M▼ 6.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2014 is 1% above 2013 and is the highest result in the available series.
Balance-sheet composition
2014 in colour, 2013 as the grey bar beneath
Assets €38.73M
Fixed assets
€32.65M▼ 0.1%
Current assets
€6.08M▲ 45.1%
Equity and liabilities €38.73M
Equity
€38.48M▲ 5.0%
Debt
€257k▲ 11.0%
The debt ratio stays at 0.7%.
Key figures and ratios
Solvency
99.3%=
2013 · 99.4%
ROE
4.8%▼
2013 · 5.4%
ROA
4.8%▼
2013 · 5.4%
Debt
€257k▲
2013 · €231k
Debt ≤ 1 year
€257k▲
2013 · €231k
Income taxes
€400k▼
2013 · €404k
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 · 2014 against 2013
Balance sheet
Code20132014
Assets
Total assets20/58€36.86M€38.73M▲
Fixed assets21/28€32.67M€32.65M▼
Intangible fixed assets21€1k€1k▼
Tangible fixed assets22/27€46k€27k▼
Financial fixed assets28€32.63M€32.63M=
Current assets29/58€4.19M€6.08M▲
Amounts receivable within one year40/41€976k€980k▲
Current investments50/53€2.28M€3.31M▲
Cash at bank and in hand54/58€926k€1.78M▲
Equity and liabilities
Total equity and liabilities10/49€36.86M€38.73M▲
Equity10/15€36.63M€38.48M▲
Contributions10/11€32.69M€32.69M=
Reserves13€3.45M€5.10M▲
Profit (loss) carried forward14€494k€688k▲
Amounts payable17/49€231k€257k▲
Amounts payable within one year42/48€231k€257k▲
Trade debts44€14k€15k▲
Income statement
Code20132014
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€21k▼
Gross operating margin9900€1.30M€1.31M▲
Operating profit (loss)9901€1.27M€1.28M▲
Recurring financial income75€1.17M€1.20M▲
Recurring financial charges65€58k€240k▲
Profit (loss) for the period before taxes9903€2.38M€2.24M▼
Income taxes67/77€404k€400k▼
Profit (loss) for the period9904€1.97M€1.84M▼
Profit (loss) for the period to be appropriated9905€1.82M€1.69M▼
Timeline · acts, filings and financial milestones
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 31 days late
2014
27-08
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 27 days late
2013
31-12
Financial
Highest result since 2010net €1.97M ▲128%
Net result €1.97M, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 18.11
Current ratio from 9.00 to 18.11; short-term debt falls from €245k to €231k.
30-08
NBB filing
Annual accounts filed
fiscal year 2012 · abbreviated schema · 30 days late
2012
31-12
Financial
Liquidity quadruplescurrent ratio 9.00
Current ratio from 2.39 to 9.00; short-term debt falls from €791k to €245k.
31-12
Financial
Equity above €25MEq €34.66M ▲2875%
3 profitable years in a row build equity to €34.66M.
31-07
NBB filing
Annual accounts filed
fiscal year 2011 · abbreviated schema
2011
31-12
Financial
Equity above €1MEq €1.16M ▲23.2%
2 profitable years in a row build equity to €1.16M.
15-07
NBB filing
Annual accounts filed
fiscal year 2010 · abbreviated schema
2010
19-07
NBB filing
Annual accounts filed
fiscal year 2009 · abbreviated schema
2009
15-07
NBB filing
Annual accounts filed
fiscal year 2008 · abbreviated schema
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, Kapellen · 1 establishment unit since 2008
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.
Lijsterbeslaan 32950 KapellenGround area
4,759 m²
Building footprint
421 m²
Volume, LiDAR
1,687 m³
Parcel 11902H0089/00H004, Flanders · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
EMFIOS
since 20082.174.076.836
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11902H0089/00H004 | Flanders | 4,759 m² | 1 · 421 m² | 6.8 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 90 EUR awarded · 90 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 90 EUR | 90 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
9676007X88E5B3SCS983
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 3,094 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded18-08-2008
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.