EMMA B
ActiveEMMA B has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €-2k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-86
Solvency100▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 11.43 against 3.57 in 2024; short-term debt: 8.4% and cash: 14.7% of total assets), and 8.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
91.6%
Return on assets
-13.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
29 d early
2023
6 d early
2022
6 d early
2021
2 d early
2020
15 d early
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▼ 12.7%
2024 · €18k
2018: €9k
2019: €10k
2020: €11k
2021: €11k
2022: €12k
2023: €14k
2024: €18k
2018 → 2025
Total assets
€17k▼ 29.7%
2024 · €24k
2018: €11k
2019: €11k
2020: €14k
2021: €13k
2022: €13k
2023: €19k
2024: €24k
2018 → 2025
Net result
€-2k
2024 · €4k
2018: €247
2019: €1k
2020: €350
2021: €626
2022: €468
2023: €2k
2024: €4k
2018 → 2025
Working capital
€15k▼ 8.3%
2024 · €16k
2018: €2k
2019: €5k
2020: €7k
2021: €8k
2022: €9k
2023: €12k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€12k▲ 4.2%€14k▲ 21.3%€18k▲ 25.7%€15k▼ 12.7%
Operating result€350-€165▼ 52.8%€4k▲ 2,318%€7k▲ 75.9%€-2k
Net result€626-€468▼ 25.3%€2k▲ 430%€4k▲ 46.3%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €7k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17k
Fixed assets
€668▼ 57.9%
Current assets
€16k▼ 27.7%
Equity and liabilities €17k
Equity
€15k▼ 12.7%
Debt
€1k▼ 77.4%
The debt ratio falls from 26.2% to 8.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-1k▼
2024 · €8k
Cash flow
€-1k▼
2024 · €5k
Solvency
91.6%▲
2024 · 73.8%
Current ratio
11.43▲
2024 · 3.57
Quick ratio
11.43▲
2024 · 3.57
Debt / equity
0.09▼
2024 · 0.35
ROE
-14.6%▼
2024 · 20.5%
ROA
-13.4%▼
2024 · 15.1%
Interest coverage
-8.59▼
2024 · 14.56
Debt
€1k▼
2024 · €6k
Debt ≤ 1 year
€1k▼
2024 · €6k
Income taxes
€4▼
2024 · €3k
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€24k€17k▼
Fixed assets21/28€2k€668▼
Tangible fixed assets22/27€2k€668▼
Furniture and vehicles24€383€66▼
Other tangible fixed assets26€1k€602▼
Current assets29/58€22k€16k▼
Amounts receivable within one year40/41€17k€14k▼
Trade receivables40€8k€3k▼
Other amounts receivable41€9k€10k▲
Cash at bank and in hand54/58€6k€2k▼
Deferred charges and accrued income490/1€217€17▼
Equity and liabilities
Total equity and liabilities10/49€24k€17k▼
Equity10/15€18k€15k▼
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Profit (loss) carried forward14€-868€-3k▼
Amounts payable17/49€6k€1k▼
Amounts payable within one year42/48€6k€1k▼
Trade debts44€3k€570▼
Suppliers440/4€3k€570▼
Taxes, remuneration and social security45€3k€850▼
Taxes450/3€3k€850▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€957€919▼
Gross operating margin9900€8k€-1k▼
Operating profit (loss)9901€7k€-2k▼
Financial income75/76B€368-
Recurring financial income75€368-
Financial charges65/66B€548€139▼
Recurring financial charges65€548€139▼
Profit (loss) for the period before taxes9903€7k€-2k▼
Income taxes67/77€3k€4▼
Profit (loss) for the period9904€4k€-2k▼
Profit (loss) for the period to be appropriated9905€4k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-868€-3k▼
Profit (loss) brought forward from the previous period14P€-4k€-868▲
The notes to these accounts (4 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-2k ▼162%
Net result drops to €-2k, the lowest in the series.
30-09
Financial
Liquidity triplescurrent ratio 11.43
Current ratio from 3.57 to 11.43; short-term debt falls from €6k to €1k.
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €4k ▲46.3%
Operating result €7k, net result €4k, both a record.
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 6.02
Current ratio from 2.76 to 6.02; short-term debt falls from €4k to €2k.
15-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity triplescurrent ratio 4.88
Current ratio from 1.92 to 4.88; short-term debt falls from €2k to €1k.
04-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Charleroi · 1 establishment unit since 2015
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.
Rue Tantenne 96043 CharleroiGround area
901 m²
Building footprint
95 m²
Volume, LiDAR
514 m³
Parcel 52058B0316/00K000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EMMA B
since 20152.247.258.485
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52058B0316/00K000 | Wallonia | 901 m² | 1 · 95 m² | 7.2 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.
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GRAINE DE MALICE
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IMAGES ET PASSIONS
BE 0457.103.392
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BECOME
BE 0646.975.152
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STEENTJES
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Of 4,245 companies in sector 47789 we hold annual accounts for 1,020. 578 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2015
Fiscal year end30-09
Activities, NACEBEL
47789Other retail sale of new goods
47890Retail trade
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.