EMI95
ActiveSummary
EMI95 has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€35,259) and a net result of €17,966. Equity is shrinking by ~21.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability63▲+16
Solvency23▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.09 against 0.04 in 2023; short-term debt: 39.8% and cash: 3% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-2.3%
Return on assets
1.2%
Age of the figures
21 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 22-06-2026, 39 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
39 d early
2024
132 d early
2023
61 d early
2022
118 d early
2021
2 d early
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 41 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 1 June (4 of the last 5 filed years within 58 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
In the rankings
#9 company by total assets in La Bruyère, Real estate sector
Equity
-€35,259▲ 33.8%
2023 · -€53,225
Total assets
€1.6m▼ 1.1%
2023 · €1.6m
Net result
€17,966
2023 · -€19,070
Working capital
-€563,254▲ 5.8%
2023 · -€597,869
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€20,559▲ 65.7%€14,368€26,431▲ 84.0%€6,170▼ 76.7%€43,860▲ 611%
Net result-€32,602below the sector's middle half▲ 48.5%-€5,581within the sector's middle half▲ 82.9%€2,348within the sector's middle half-€19,070below the sector's middle half€17,966within the sector's middle half
Equity-€30,922below the sector's middle half-€36,503below the sector's middle half▼ 18.0%-€34,155below the sector's middle half▲ 6.4%-€53,225below the sector's middle half▼ 55.8%-€35,259below the sector's middle half▲ 33.8%
Total assets€1.2mabove the sector's middle half▲ 181%€1.4mabove the sector's middle half▲ 12.5%€1.5mabove the sector's middle half▲ 10.6%€1.6mabove the sector's middle half▲ 1.6%€1.6mabove the sector's middle half▼ 1.1%
Debt€1.3m▲ 189%€1.4m▲ 12.7%€1.6m▲ 10.2%€1.6m▲ 2.8%€1.6m▼ 2.1%
Working capital-€473,424below the sector's middle half▼ 3,439%-€515,838below the sector's middle half▼ 9.0%-€592,234below the sector's middle half▼ 14.8%-€597,869below the sector's middle half▼ 1.0%-€563,254below the sector's middle half▲ 5.8%
Solvency-2.5%below the sector's middle half▼ 2.9pp-2.6%below the sector's middle half▼ 0.1pp-2.2%below the sector's middle half▲ 0.4pp-3.4%below the sector's middle half▼ 1.2pp-2.3%below the sector's middle half▲ 1.1pp
Current ratio0.06below the sector's middle half▼ 0.230.02below the sector's middle half▼ 0.040.04below the sector's middle half▲ 0.020.04below the sector's middle half=0.09below the sector's middle half▲ 0.05
Return on assets (ROA)-2.6%below the sector's middle half▲ 11.7pp-0.4%within the sector's middle half▲ 2.2pp0.2%within the sector's middle half▲ 0.6pp-1.2%within the sector's middle half▼ 1.4pp1.2%within the sector's middle half▲ 2.4pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
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 611% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.6m
Fixed assets
€1.5m ▼ 3.0%
Current assets
€56,701 ▲ 107%
Equity and liabilities
Equity-€35,259
Debt€1.6m
Equity is negative: debt (€1.6m) exceeds the balance-sheet total (€1.6m).
Key figures and ratios
EBITDA
€135,953▲
2023 · €90,333
Cash flow
€110,059▲
2023 · €65,094
Interest coverage
5.13▲
2023 · 3.58
Debt ≤ 1 year
€619,955▼
2023 · €625,309
Debt > 1 year
€971,042▼
2023 · €1.0m
Income taxes
€137
Staff costs
€36,067▲
2023 · €22,794
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 457 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- negative equity
- a profit under 5% of the balance sheet
0.7%
went bankrupt
2.0%
stopped otherwise
97%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 457 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €157 | €11,851 | €22,794 | €36,067 | ▲ 58.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,598 | €50,324 | €67,574 | €84,164 | €92,094 | ▲ 9.4% |
| Other operating charges640/8 | - | €1,967 | €4,889 | €15,153 | €6,319 | ▼ 58.3% |
| Gross operating margin9900 | €2,564 | €66,815 | €110,744 | €128,280 | €178,339 | ▲ 39.0% |
| Operating profit (loss)9901 | -€20,559 | €14,368 | €26,431 | €6,170 | €43,860 | ▲ 611% |
| Financial income75/76B | - | €0 | €2 | €23 | €725 | ▲ 3,118% |
| Recurring financial income75 | €684 | €0 | €2 | €23 | €725 | ▲ 3,118% |
| Financial charges65/66B | - | €19,949 | €24,085 | €25,262 | €26,482 | ▲ 4.8% |
| Recurring financial charges65 | €12,727 | €19,949 | €24,085 | €25,262 | €26,482 | ▲ 4.8% |
| Profit (loss) for the period before taxes9903 | -€32,602 | -€5,581 | €2,348 | -€19,070 | €18,102 | ▲ 195% |
| Income taxes67/77 | - | - | - | - | €137 | - |
| Profit (loss) for the period9904 | -€32,602 | -€5,581 | €2,348 | -€19,070 | €17,966 | ▲ 194% |
| Profit (loss) for the period to be appropriated9905 | -€32,602 | -€5,581 | €2,348 | -€19,070 | €17,966 | ▲ 194% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.4m | €1.5m | €1.6m | €1.6m | ▼ 1.1% |
| Fixed assets21/28 | €1.2m | €1.4m | €1.5m | €1.5m | €1.5m | ▼ 3.0% |
| Intangible fixed assets21 | €791 | €2,466 | €3,196 | €1,200 | €334 | ▼ 72.2% |
| Tangible fixed assets22/27 | €1.2m | €1.4m | €1.5m | €1.5m | €1.5m | ▼ 2.9% |
| Land and buildings22 | - | €1.3m | €1.4m | €1.4m | €1.3m | ▼ 4.1% |
| Plant, machinery and equipment23 | - | €22,089 | €21,284 | €22,383 | €26,397 | ▲ 17.9% |
| Furniture and vehicles24 | - | €18,306 | €22,512 | €27,065 | €21,886 | ▼ 19.1% |
| Other tangible fixed assets26 | - | - | €55,526 | €114,322 | €127,435 | ▲ 11.5% |
| Financial fixed assets28 | €175 | €375 | €555 | €555 | €555 | = |
| Current assets29/58 | €32,143 | €12,871 | €27,239 | €27,440 | €56,701 | ▲ 107% |
| Amounts receivable within one year40/41 | €10,667 | €4,636 | €9,030 | €14,712 | €7,539 | ▼ 48.8% |
| Trade receivables40 | - | €2,435 | €1,953 | €10,609 | €7,539 | ▼ 28.9% |
| Other amounts receivable41 | - | €2,201 | €7,077 | €4,103 | - | - |
| Cash at bank and in hand54/58 | €21,337 | €8,235 | €17,518 | €11,277 | €46,376 | ▲ 311% |
| Deferred charges and accrued income490/1 | - | - | €691 | €1,450 | €2,786 | ▲ 92.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.4m | €1.5m | €1.6m | €1.6m | ▼ 1.1% |
| Equity10/15 | -€30,922 | -€36,503 | -€34,155 | -€53,225 | -€35,259 | ▲ 33.8% |
| Contributions10/11 | - | €65,000 | €65,000 | €65,000 | €65,000 | = |
| Profit (loss) carried forward14 | -€95,922 | -€101,503 | -€99,155 | -€118,225 | -€100,259 | ▲ 15.2% |
| Amounts payable17/49 | €1.3m | €1.4m | €1.6m | €1.6m | €1.6m | ▼ 2.1% |
| Amounts payable after more than one year17 | €768,636 | €906,680 | €961,802 | €1.0m | €971,042 | ▼ 2.9% |
| Financial debts170/4 | - | €901,875 | €957,052 | €993,127 | €963,602 | ▼ 3.0% |
| Other amounts payable178/9 | - | €4,805 | €4,750 | €7,265 | €7,440 | ▲ 2.4% |
| Amounts payable within one year42/48 | €505,566 | €528,710 | €619,473 | €625,309 | €619,955 | ▼ 0.9% |
| Current portion of amounts payable after more than one year42 | - | €52,776 | €67,767 | €63,924 | €78,005 | ▲ 22.0% |
| Trade debts44 | €15,298 | €20,408 | €19,110 | €1,198 | €1,918 | ▲ 60.1% |
| Suppliers440/4 | - | €20,408 | €19,110 | €1,198 | €1,918 | ▲ 60.1% |
| Taxes, remuneration and social security45 | - | €4,677 | - | €3,648 | €11,711 | ▲ 221% |
| Taxes450/3 | - | €4,677 | - | €1,636 | €11,570 | ▲ 607% |
| Remuneration and social security454/9 | - | - | - | €2,013 | €141 | ▼ 93.0% |
| Other amounts payable47/48 | - | €450,849 | €532,597 | €556,538 | €528,321 | ▼ 5.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€32,602 | -€5,581 | €2,348 | -€19,070 | €17,966 | ▲ 194% |
| + Depreciation and write-downs630 | €22,598 | €50,324 | €67,574 | €84,164 | €92,094 | ▲ 9.4% |
| Operating cash flow (approximation) | -€10,004 | €44,743 | €69,922 | €65,094 | €110,059 | ▲ 69.1% |
| Investment in fixed assets (approximation) | - | -€225,202 | -€201,439 | -€109,319 | -€46,093 | ▲ 57.8% |
| Change in cash | - | -€13,102 | €9,283 | -€6,241 | €35,099 | ▲ 662% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €17,966
Net result €17,966 after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2,348
Net result €2,348 after 3 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, La Bruyère · 1 establishment unit since 2019
Ground area
6,514 m²
Building footprint
108 m²
Volume, LiDAR
821 m³
Parcel 92036B0021/00C000, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
EMI95
since 20192.289.158.230
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92036B0021/00C000 | Wallonia | 6,514 m² | 1 · 108 m² | 9.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 and region
COPAVER
BE 0836.492.762
La Bruyère
Le Domaine de la Falize
BE 0447.375.777
La Bruyère
UP Architecture
BE 0536.180.168
La Bruyère
ASSET MANAGEMENT GROUP
BE 0501.949.165
Dinant
B Corp
BE 0443.565.261
Namur
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 7,321 companies in this sector we hold annual accounts for 5,387. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded17-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
93110Operation of sports facilities
66300Activities auxiliary to financial services and insurance activities
85593Socio-cultural adult education
86995Nutrition and dietetics services
96999Other personal services
Contact
E-mail
herman_sophie@hotmail.com
Phone
+32495180227
E-invoicing
Reachable via Peppol
Peppol ID
0208:0726883455
Also
9925:BE0726883455
Registered
24-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.