émiel
Activeémiel is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €170k and a net result of €53k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 7962 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
35 d early
2023
30 d early
2022
25 d early
2021
3 d early
2020
51 d early
2019
26 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
€170k▲ 30.9%
2024 · €130k
2018: €31k
2019: €44k
2020: €64k
2021: €66k
2022: €78k
2023: €53k
2024: €130k
2018 → 2025
Net result
€53k▼ 34.7%
2024 · €82k
2018: €20k
2019: €13k
2020: €20k
2021: €2k
2022: €12k
2023: €19k
2024: €82k
2018 → 2025
Total assets
€209k▲ 25.6%
2024 · €166k
2018: €464k
2019: €416k
2020: €384k
2021: €334k
2022: €315k
2023: €265k
2024: €166k
2018 → 2025
Solvency
81.4%▲ 3.3pp
2024 · 78.1%
2018: 6.8%
2019: 10.7%
2020: 16.7%
2021: 19.8%
2022: 24.6%
2023: 20.1%
2024: 78.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€78k▲ 17.5%€53k▼ 31.3%€130k▲ 143%€170k▲ 30.9%
Operating result€10k-€22k▲ 107%€31k▲ 45.2%€112k▲ 258%€73k▼ 35.3%
Net result€2k-€12k▲ 572%€19k▲ 63.7%€82k▲ 331%€53k▼ 34.7%
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 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€29k▼ 26.7%
Current assets
€180k▲ 41.8%
Equity and liabilities €209k
Equity
€170k▲ 30.9%
Debt
€39k▲ 6.8%
The debt ratio falls from 21.9% to 18.6%: equity grows faster than debt.
Key figures and ratios
Solvency
81.4%▲
2024 · 78.1%
ROE
31.3%▼
2024 · 62.8%
ROA
25.5%▼
2024 · 49.1%
Debt
€39k▲
2024 · €36k
Debt ≤ 1 year
€37k▲
2024 · €26k
Debt > 1 year
€2k▼
2024 · €10k
Income taxes
€21k▼
2024 · €30k
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€166k€209k▲
Fixed assets21/28€39k€29k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€36k€27k▼
Land and buildings22€27k€23k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€732€394▼
Leasing and similar rights25€2k-
Current assets29/58€127k€180k▲
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€102k€94k▼
Trade receivables40€10k€10k▲
Other amounts receivable41€92k€84k▼
Current investments50/53€17k€79k▲
Cash at bank and in hand54/58€3k€1k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€166k€209k▲
Equity10/15€130k€170k▲
Contributions10/11€6k€6k=
Reserves13€124k€164k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€122k€162k▲
Amounts payable17/49€36k€39k▲
Amounts payable after more than one year17€10k€2k▼
Financial debts170/4€10k€2k▼
Amounts payable within one year42/48€26k€37k▲
Current portion of amounts payable after more than one year42€11k€7k▼
Financial debts43€61€103▲
Credit institutions430/8€61€103▲
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Advances received on contracts in progress46€183-
Taxes, remuneration and social security45€6k€14k▲
Taxes450/3€6k€14k▲
Other amounts payable47/48€5k€13k▲
Income statement
Code20242025
Non-recurring operating income76A€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€10k▼
Other operating charges640/8€5k€3k▼
Gross operating margin9900€131k€86k▼
Operating profit (loss)9901€112k€73k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€3k€728▼
Recurring financial charges65€3k€728▼
Profit (loss) for the period before taxes9903€112k€74k▼
Income taxes67/77€30k€21k▼
Profit (loss) for the period9904€82k€53k▼
Profit (loss) for the period to be appropriated9905€82k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€53k▼
Transfer from equity791/2-€13k
Transfer to equity691/2€77k€53k▼
To other reserves6921€77k€53k▼
Profit to be distributed694/7€5k€13k▲
Return on contributions (dividend)694-€13k
Directors or managers695€5k-
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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €170k ▲30.9%
8 profitable years in a row build equity to €170k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €82k ▲331%
Operating result €112k, net result €82k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.85
Current ratio from 1.84 to 4.85; short-term debt falls from €43k to €26k.
31-12
Financial
Equity above €100kEq €130k ▲143%
7 profitable years in a row build equity to €130k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €2k ▼91.4%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 14 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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 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.
Van Stralenlei 212170 AntwerpenGround area
114 m²
Building footprint
114 m²
Volume, LiDAR
773 m³
Parcel 11422C0303/00K007, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
émiel
since 20082.174.514.029
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11422C0303/00K007 | Flanders | 114 m² | 1 · 114 m² | 9.8 m · 3 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
2024 · 1 entry · 273 EUR awarded · 273 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 273 EUR | 273 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
3 endedSimilar companies · same sector, comparable size
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DOPPLER
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Let's Code
BE 0750.521.464
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,363 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2008
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
70200Business and other management consultancy
70220Business consulting
78200Temporary employment agencies and other provision of personnel
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.