EML CONSTRUCT
ActiveSummary
EML CONSTRUCT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 46% of 1304 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+2
Solvency40▲+9
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.91 against 0.76 in 2024; short-term debt: 77.6% and cash: 9.2% of total assets), and 85% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
15%
Return on assets
9.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
41 d late
2022
3 d early
2021
4 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▲ 158%
2024 · €15k
2021: €22k
2022: €-5k
2024: €15k
2021 → 2025
Total assets
€256k▼ 2.3%
2024 · €263k
2021: €211k
2022: €244k
2024: €263k
2021 → 2025
Net result
€24k▲ 23.4%
2024 · €19k
2021: €21k
2022: €-27k
2024: €19k
2021 → 2025
Working capital
€-18k▲ 70.0%
2024 · €-59k
2021: €-114k
2022: €-46k
2024: €-59k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220242025Trend
Equity€22k-€-5k€15k€38k▲ 158%
Operating result€27k-€-26k€23k€31k▲ 33.5%
Net result€21k-€-27k€19k€24k▲ 23.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €256k
Fixed assets
€75k ▼ 3.8%
Current assets
€181k ▼ 1.7%
Equity and liabilities €256k
Equity
€38k ▲ 158%
Debt
€218k ▼ 12.0%
Debt's share of the balance-sheet total falls from 94.3% to 85.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▲
2024 · €41k
Cash flow
€42k▲
2024 · €37k
Current ratio
0.91▲
2024 · 0.76
Quick ratio
0.36▼
2024 · 0.43
Debt to equity
5.68▼
2024 · 16.67
ROE
61.3%▼
2024 · 128.3%
ROA
9.2%▲
2024 · 7.3%
Interest coverage
246.63▲
2024 · 106.57
Debt ≤ 1 year
€199k▼
2024 · €243k
Income taxes
€7k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€263k€256k▼
Fixed assets21/28€78k€75k▼
Tangible fixed assets22/27€78k€75k▼
Land and buildings22€34k€30k▼
Plant, machinery and equipment23€24k€16k▼
Furniture and vehicles24€20k€29k▲
Current assets29/58€185k€181k▼
Stocks and contracts in progress3€80k€110k▲
Stocks30/36€80k€110k▲
Amounts receivable within one year40/41€67k€46k▼
Trade receivables40€66k€42k▼
Other amounts receivable41€339€3k▲
Cash at bank and in hand54/58€38k€24k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€263k€256k▼
Equity10/15€15k€38k▲
Contributions10/11€1k€1k=
Reserves13€14k€37k▲
Distributable reserves133€14k€37k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€248k€218k▼
Amounts payable within one year42/48€243k€199k▼
Trade debts44€33k€19k▼
Suppliers440/4€33k€19k▼
Taxes, remuneration and social security45€13k€14k▲
Taxes450/3€13k€14k▲
Other amounts payable47/48€198k€166k▼
Accrued charges and deferred income492/3€4k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▲
Other operating charges640/8€1k€6k▲
Non-recurring operating charges66A€10k€0▼
Gross operating margin9900€53k€55k▲
Operating profit (loss)9901€23k€31k▲
Financial income75/76B€70€54▼
Recurring financial income75€70€54▼
Financial charges65/66B€388€199▼
Recurring financial charges65€388€199▼
Profit (loss) for the period before taxes9903€23k€31k▲
Income taxes67/77€4k€7k▲
Profit (loss) for the period9904€19k€24k▲
Profit (loss) for the period to be appropriated9905€19k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€24k▲
Profit (loss) brought forward from the previous period14P€-5k€0▲
Transfer to equity691/2€14k€24k▲
To other reserves6921€14k€24k▲
The notes to these accounts (13 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €24k ▲23.4%
Operating result €31k, net result €24k, both a record.
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-27k ▼226%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Langemark-Poelkapelle · 1 establishment unit since 2021
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.
Diksmuidestraat 188920 Langemark-PoelkapelleGround area
1.8 ha
Building footprint
182 m²
Volume, LiDAR
920 m³
Parcel 33014H0830/00A000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EML CONSTRUCT
since 20212.318.063.240
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33014H0830/00A000 | Flanders | 1.8 ha | 1 · 182 m² | 8.4 m · 2 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.
Similar companies · same sector, comparable size
BHG BE Portfolio I
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Autobedrijf WALCAR
BE 0426.953.319
Wommelgem · Eq €38,072
MOCI
BE 0480.274.912
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WESS
BE 0671.676.795
Brugge · Eq €39,064
"Panache bike & sleep"
BE 0455.240.497
La Roche-en-Ardenne · Eq €37,732
Of 2,394 companies in sector 55100 we hold annual accounts for 1,517. 834 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
55100Hotels and similar accommodation
01500Mixed farming
56111Full-service restaurants
56210Event catering
56301Cafés and bars
77310Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.