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Emile & François

Active
Private limited companyfounded 2022active for 4 yearsHoogstraat 195, 1000 Brussel, BelgiumKBO/BCE: BE 0784.521.152
Summary

Emile & François has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €292,048 and a net result of -€77,943. Equity has been shrinking by about 18% per year since 2022. Its solvency ranks better than 34% of 17,145 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 05-04-2022 Normal situation
Activity
Renting and operating of own or leased non-residential real estate, excluding land NACE 68203
Establishment unit
2.334.164.547 1000 Brussel, since 05-04-2022
Financial year end
31 December
Peppol
Reachable since 29-11-2025

Board and ownership

Board
  • ALTARIPADirector · since 05-04-2022
  • Vicomtesse DE SPOELBERCH EléonoreDirector · since 05-04-2022

Financial position

86 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
-€36,525
▲ 4.0%
Loss
€77,943
▼ 1.0%
Equity
€292,048
▼ 21.1%
Total assets
€2.5m
▲ 270%
  • 2025 accounts filed 60 days after the deadline
Turnover not published (micro format)
Score breakdownraises riskLast filed accounts filed 60 days late; 3 of the last 3 accounts latelowers riskSector: Real estate activities (NACE 68)Size: total assets €2.5mLiquidity: current ratio 0.64, cash €741,009Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 21% of small companies in real estate (NACE 68)
Financial strength · tick: 2024
Weak
Solvency 36-43
equity 11.5% of total assets
Liquidity 37+8
short-term debt 88.5% · cash 29.1%
Profitability 15+11
return on assets -3.1%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,995 companies, NACE 68, small)
Last 24 months 12-2024: 0.6% 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.6%● unchanged vs 06-2025 08-2025: 0.9%▲ +0.3 percentage points vs 07-2025 09-2025: 1.0%▲ +0.1 percentage points vs 08-2025 10-2025: 0.8%▼ -0.2 percentage points vs 09-2025 11-2025: 0.8%● unchanged vs 10-2025 12-2025: 0.7%▼ -0.1 percentage points vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.7%● unchanged vs 04-2026 06-2026: 0.7%● unchanged vs 05-2026 07-2026: 0.7%● unchanged vs 06-2026 08-2026: 1.1%▲ +0.4 percentage points vs 07-2026 09-2026: 1.5%▲ +0.4 percentage points vs 08-2026highest value 10-2026: 0.2%▼ -1.3 percentage points vs 09-2026lowest value 11-2026: 0.2%● unchanged vs 10-2026lowest value
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.64 (0.49 in 2024), below 1. Short-term debt is 88.5% and cash 29.1% of total assets. 88.5% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small). It does better than 31% of them on solvency, 31% on liquidity, 8% on profitability and 16% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Six signals.
lowers riskraises risk
lowers risk · Sector: Real estate activities (NACE 68)
KBO
lowers risk · Size: total assets €2.5m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Last filed accounts filed 60 days late; 3 of the last 3 accounts late
NBB · filings
lowers risk · Liquidity: current ratio 0.64, cash €741,009
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
22232425
2022 to 2025 · latest year -€77,943
raises risk · 2025 accounts filed 60 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filings
Deviation from the deadline
2025
60 days late
2024
60 days late
2023
31 days late
2022
87 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 60 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 September (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2022.
KBO publications

Key points

  • Risk: 4 loss-making years in a rowloss in financial year 2025 -€77,943 View
  • Caution: Lower net result than 95% of companies in real estatesector median €6,034 · 17,135 companies -€77,943 View

Recent changes

  1. · Gazette deed IncorporationAppointment: ALTARIPA (director)
All 6 events

Comparable companies

These companies have the same main activity as Emile & François: renting and operating of own or leased non-residential real estate, excluding land (NACE 68203). They are comparable in size and age: total assets between €2.2m and €3.1m, founded between 2021 and 2022.

CompanyTotal assetsGross margin
Emile & François Brussel€2.5m-€0.04m
TAN INVEST Ham-sur-Heure-Nalinnes€2.4m-€0.02m
BLAVATSKY Ieper€2.2m-€0.02m
KoWala BC Gent€2.2m-€0.003m
Third Place Antwerpen€2.7m-€0.05m
SO CARE VASTGOED VILVOORDE Chaudfontaine€3.1m-€0.01m
PADETTIMMO Braine-le-Comte€2.2m-€0.02m
Full comparison

Key facts about Emile & François

What is the company number of Emile & François?
The company number of Emile & François is 0784.521.152. The VAT number is the same number with BE in front: BE 0784.521.152.
Where is Emile & François based?
The registered office is at Hoogstraat 195, 1000 Brussel.Company details
What does Emile & François do?
According to the KBO register, the main activity is renting and operating of own or leased non-residential real estate, excluding land (NACE 68203).
What is the legal form of Emile & François?
The legal form of Emile & François is Private limited company (BV).
When was Emile & François founded?
Emile & François was founded on 05-04-2022.
Is Emile & François still active?
Yes, Emile & François is an active enterprise in the KBO register.
What is the turnover of Emile & François?
The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
Is Emile & François profitable?
In financial year 2025, Emile & François made a loss of €77,943.
Where can I find the annual accounts of Emile & François?
Emile & François filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Emile & François due?
Emile & François must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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