EMKO Consulting 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 €256k and a net result of €45k. Equity is growing by ~27.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 5523 sector peers (fiscal year 2025). The company has been active since 2004 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.
Credit advice for your own amount and term
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
37 d early
2022
40 d early
2021
46 d early
2020
11 d early
2019
11 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€256k▲ 21.3%
2024 · €211k
2018: €16k
2019: €43k
2020: €121k
2021: €104k
2022: €115k
2023: €169k
2024: €211k
2018 → 2025
Net result
€45k▼ 34.6%
2024 · €69k
2018: €487
2019: €28k
2020: €80k
2021: €-17k
2022: €12k
2023: €55k
2024: €69k
2018 → 2025
Total assets
€494k▼ 9.2%
2024 · €544k
2018: €155k
2019: €531k
2020: €571k
2021: €541k
2022: €503k
2023: €603k
2024: €544k
2018 → 2025
Solvency
51.8%▲ 13.0pp
2024 · 38.8%
2018: 10.4%
2019: 8.1%
2020: 21.2%
2021: 19.2%
2022: 22.9%
2023: 28.0%
2024: 38.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€104k-€115k▲ 11.4%€169k▲ 46.4%€211k▲ 24.7%€256k▲ 21.3%
Operating result€-10k-€18k€54k▲ 203%€102k▲ 88.2%€31k▼ 69.4%
Net result€-17k-€12k€55k▲ 368%€69k▲ 24.4%€45k▼ 34.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 69% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €494k
Fixed assets
€480k▼ 6.2%
Current assets
€14k▼ 56.5%
Equity and liabilities €494k
Equity
€256k▲ 21.3%
Debt
€238k▼ 28.5%
The debt ratio falls from 61.2% to 48.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
51.8%▲
2024 · 38.8%
ROE
17.6%▼
2024 · 32.5%
ROA
9.1%▼
2024 · 12.6%
Debt
€238k▼
2024 · €333k
Debt ≤ 1 year
€71k▼
2024 · €121k
Debt > 1 year
€167k▼
2024 · €210k
Income taxes
€10k▼
2024 · €26k
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€544k€494k▼
Fixed assets21/28€512k€480k▼
Tangible fixed assets22/27€392k€360k▼
Land and buildings22€273k€264k▼
Plant, machinery and equipment23€28k€28k▼
Furniture and vehicles24€76k€56k▼
Other tangible fixed assets26€15k€12k▼
Financial fixed assets28€120k€120k=
Current assets29/58€32k€14k▼
Amounts receivable within one year40/41€26k€13k▼
Trade receivables40€5k€8k▲
Other amounts receivable41€21k€5k▼
Cash at bank and in hand54/58€6k€891▼
Deferred charges and accrued income490/1€6€18▲
Equity and liabilities
Total equity and liabilities10/49€544k€494k▼
Equity10/15€211k€256k▲
Contributions10/11€6k€6k=
Reserves13€200k€245k▲
Distributable reserves133€200k€245k▲
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€333k€238k▼
Amounts payable after more than one year17€210k€167k▼
Financial debts170/4€210k€167k▼
Amounts payable within one year42/48€121k€71k▼
Current portion of amounts payable after more than one year42€57k€43k▼
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€10k€15k▲
Taxes450/3€10k€15k▲
Other amounts payable47/48€50k€6k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€36k▲
Other operating charges640/8€588€2k▲
Gross operating margin9900€138k€68k▼
Operating profit (loss)9901€102k€31k▼
Financial income75/76B€1k€30k▲
Recurring financial income75€1k€30k▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€95k€55k▼
Income taxes67/77€26k€10k▼
Profit (loss) for the period9904€69k€45k▼
Profit (loss) for the period to be appropriated9905€69k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€73k€49k▼
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer from equity791/2€27k-
Transfer to equity691/2€69k€45k▼
To other reserves6921€69k€45k▼
Profit to be distributed694/7€27k-
Return on contributions (dividend)694€27k-
The notes to these accounts (9 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 · abbreviated schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €211k ▲24.7%
3 profitable years in a row build equity to €211k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €169k ▲46.4%
2 profitable years in a row build equity to €169k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-17k ▼122%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €80k ▲180%
Net result €80k, the highest in the series.
31-12
Financial
Equity above €100kEq €121k ▲181%
3 profitable years in a row build equity to €121k.
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 5 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Leuven · 2 establishment units since 2004
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.
Nieuwe Bornestraat 43012 LeuvenGround area
798 m²
Building footprint
454 m²
Volume, LiDAR
1,747 m³
2 parcels, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
EMKO DENTAAL
since 20042.138.862.173
André Emondstraat 38, 3012 Leuven
since 20192.295.073.844
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24126C0190/00H002 | Flanders | 603 m² | 1 · 176 m² | 8.5 m · 2 fl. |
| 24126C0189/00Z003 | Flanders | 195 m² | 1 · 277 m² | 9.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,676 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2004
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74142
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
74141
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.