EMLI RETAIL
ActiveSummary
EMLI RETAIL has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.93M and a net result of €733k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 61% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+4
Solvency72▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 4.35 against 3.52 in 2024; short-term debt: 20% and cash: 3.8% of total assets), but 52.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
47.1%
Return on assets
17.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
25 d late
2024
29 d late
2023
22 d late
2022
29 d late
2021
25 d late
2020
12 d late
2019
19 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.93M▼ 22.7%
2024 · €2.50M
2018: €732k
2019: €1.12M
2020: €1.27M
2021: €1.95M
2022: €1.67M
2023: €1.75M
2024: €2.50M
2018 → 2025
Total assets
€4.10M▼ 20.8%
2024 · €5.17M
2018: €2.85M
2019: €3.24M
2020: €3.84M
2021: €4.31M
2022: €3.86M
2023: €4.71M
2024: €5.17M
2018 → 2025
Net result
€733k▼ 1.5%
2024 · €744k
2018: €293k
2019: €388k
2020: €435k
2021: €687k
2022: €402k
2023: €746k
2024: €744k
2018 → 2025
Working capital
€2.74M▼ 14.1%
2024 · €3.20M
2018: €957k
2019: €1.41M
2020: €1.83M
2021: €2.37M
2022: €2.16M
2023: €2.41M
2024: €3.20M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.95M-€1.67M▼ 14.5%€1.75M▲ 4.9%€2.50M▲ 42.5%€1.93M▼ 22.7%
Operating result€956k-€550k▼ 42.4%€1.01M▲ 83.6%€962k▼ 4.8%€623k▼ 35.2%
Net result€687k-€402k▼ 41.5%€746k▲ 85.6%€744k▼ 0.3%€733k▼ 1.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.10M
Fixed assets
€532k ▼ 24.9%
Current assets
€3.57M ▼ 20.2%
Equity and liabilities €4.10M
Equity
€1.93M ▼ 22.7%
Debt
€2.17M ▼ 19.0%
Debt's share of the balance-sheet total rises from 51.8% to 52.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€887k▼
2024 · €1.24M
Cash flow
€996k▼
2024 · €1.02M
Current ratio
4.35▲
2024 · 3.52
Quick ratio
3.76▲
2024 · 3.13
Debt to equity
1.12▲
2024 · 1.07
ROE
38.0%▲
2024 · 29.8%
ROA
17.9%▲
2024 · 14.4%
Interest coverage
15.18▼
2024 · 23.56
Debt ≤ 1 year
€821k▼
2024 · €1.27M
Debt > 1 year
€1.34M▼
2024 · €1.39M
Income taxes
€161k▼
2024 · €257k
Staff costs
€1.97M▲
2024 · €1.90M
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.17M€4.10M▼
Fixed assets21/28€708k€532k▼
Tangible fixed assets22/27€708k€532k▼
Plant, machinery and equipment23€360k€253k▼
Furniture and vehicles24€103k€101k▼
Other tangible fixed assets26€245k€177k▼
Current assets29/58€4.47M€3.57M▼
Stocks and contracts in progress3€492k€484k▼
Stocks30/36€492k€484k▼
Amounts receivable within one year40/41€1.89M€1.99M▲
Trade receivables40€1.87M€1.93M▲
Other amounts receivable41€11k€67k▲
Current investments50/53€1.91M€866k▼
Cash at bank and in hand54/58€162k€155k▼
Deferred charges and accrued income490/1€17k€68k▲
Equity and liabilities
Total equity and liabilities10/49€5.17M€4.10M▼
Equity10/15€2.50M€1.93M▼
Contributions10/11€10k€10k=
Reserves13€2.49M€1.92M▼
Distributable reserves133€2.49M€1.92M▼
Profit (loss) carried forward14-€0
Amounts payable17/49€2.68M€2.17M▼
Amounts payable after more than one year17€1.39M€1.34M▼
Financial debts170/4€111k€47k▼
Trade debts175€1.28M€1.29M▲
Amounts payable within one year42/48€1.27M€821k▼
Current portion of amounts payable after more than one year42€63k€64k▲
Trade debts44€512k€484k▼
Suppliers440/4€512k€484k▼
Taxes, remuneration and social security45€348k€217k▼
Taxes450/3€169k€0▼
Remuneration and social security454/9€178k€217k▲
Other amounts payable47/48€345k€55k▼
Accrued charges and deferred income492/3€22k€11k▼
Income statement
Code20242025
Remuneration, social security and pensions62€1.90M€1.97M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€274k€263k▼
Other operating charges640/8€8k€7k▼
Non-recurring operating charges66A€33k€0▼
Gross operating margin9900€3.17M€2.86M▼
Operating profit (loss)9901€962k€623k▼
Financial income75/76B€92k€329k▲
Recurring financial income75€92k€329k▲
Financial charges65/66B€52k€58k▲
Recurring financial charges65€52k€58k▲
Profit (loss) for the period before taxes9903€1.00M€894k▼
Income taxes67/77€257k€161k▼
Profit (loss) for the period9904€744k€733k▼
Profit (loss) for the period to be appropriated9905€744k€733k▼
Appropriation of the result
Profit (loss) to be appropriated9906€744k€733k▼
Transfer from equity791/2-€1.30M
Transfer to equity691/2€744k€733k▼
To the legal reserve6920-€0
To other reserves6921€744k€733k▼
Profit to be distributed694/7-€1.30M
Return on contributions (dividend)694-€1.30M
Social balance
Average headcount (FTE)908742.041.7▼
The notes to these accounts (17 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Equity above €2MEq €2.50M ▲42.5%
7 profitable years in a row build equity to €2.50M.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 22 days late
2023
31-12
Financial
Highest result since 2018net €746k ▲85.6%
Operating result €1.01M, net result €746k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 12 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 19 days late
2019
31-12
Financial
Equity above €1MEq €1.12M ▲53%
2 profitable years in a row build equity to €1.12M.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 20 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Genk · 1 establishment unit since 2016
Ground area
1.0 ha
Building footprint
2,522 m²
Volume, LiDAR
14,785 m³
Parcel 71303B1287/00L024, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Carrefour Market
since 20162.258.105.560
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71303B1287/00L024 | Flanders | 1.0 ha | 1 · 2,522 m² | 7.9 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 8 entries · 87,976 EUR awarded · 87,976 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 26,184 EUR | 26,184 EUR |
| 2024 | 2 | 24,326 EUR | 24,326 EUR |
| 2023 | 3 | 21,155 EUR | 21,155 EUR |
| 2022 | 1 | 16,311 EUR | 16,311 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Aanwervingsincentive voor langdurig werkzoekenden (AWI) - Stopgezet
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyGenk2.258.105.560
Dual-learning approval
2 live approvals · 15 endedWinkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Show 15 ended approvals
Aanvuller (so)
Kassier (so)
Verkoper (so)
Winkelbediende (so)
Medewerker slagerij (vwo)
Medewerker slagerij duaal (so)
Slager (so)
Slager-spekslager (so)
Slager/bereider verkoopklare gerechten (so)
Slagerij duaal (so)
Aanvuller (so)
Kassier (so)
Magazijnmedewerker (so)
Verkoper (so)
Winkelbediende (so)
Legal Entity Identifier
69940057O2Y9QKMRG486
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 1,540 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
Founded03-11-2016
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.