EMMA LAROC

Active

Public limited companyfounded 20214 yrs activeDiksmuidseboterweg 4, 8810 Lichtervelde, BelgiumKBO/BCE: BE 0775.732.754

The computed 12-month bankruptcy probability of EMMA LAROC is 1.7% (moderate). The 2024 annual accounts show equity of €183k and a net result of €128k. Equity is growing by ~107.6% per year across the filed fiscal years. Its solvency ranks better than 25% of 15866 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

38 / 100

Weak▲ +28 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+100

Solvency11▲+8

Growth78▲+20

Stability94

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days only on tighter terms

Liquidity short (current ratio 0.8 against 0.24 in 2023), and 93% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-09-2025, 40 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 · 3 filings

Deviation from the deadline

2025

not confirmed

2024

40 d late

2023

41 d late

2022

112 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€183k▲ 230%

2023 · €56k

2022: €58k 2023: €56k

2022 → 2024

Total assets

€2.61M▲ 134%

2023 · €1.12M

2022: €58k 2023: €1.12M

2022 → 2024

Net result

€128k

2023 · €-3k

2022: €-3k 2023: €-3k

2022 → 2024

Working capital

€-433k▲ 45.9%

2023 · €-801k

2022: €58k 2023: €-801k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€58k-€56k▼ 4.6%€183k▲ 230%

Operating result€-3k-€-3k▲ 11.1%€-3k▼ 6.2%

Net result€-3k-€-3k▲ 19.1%€128k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €3k in 2024 against €3k in 2023; the loss grows.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €2.61M

35.5%

64.5%

Fixed assets €925k▲ 8.0%

Current assets €1.68M▲ 548%

Equity and liabilities €2.61M

93.0%

Equity €183k▲ 230%

Debt €2.42M▲ 128%

The debt ratio falls from 95.0% to 93.0%: equity grows faster than debt.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-669▲

2023 · €-2k

Cash flow

€130k▲

2023 · €-2k

Solvency

7.0%▲

2023 · 5.0%

Current ratio

0.80▲

2023 · 0.24

Quick ratio

0.79▲

2023 · 0.24

Debt / equity

13.20▼

2023 · 19.08

ROE

69.7%▲

2023 · -4.8%

ROA

4.9%▲

2023 · -0.2%

Interest coverage

-0.02▲

2023 · -184.90

Debt

€2.42M▲

2023 · €1.06M

Debt ≤ 1 year

€2.11M▲

2023 · €1.06M

Debt > 1 year

€309k

Staff costs

€31k▲

2023 · €4k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€1.12M€2.61M▲

Fixed assets21/28€857k€925k▲

Tangible fixed assets22/27€10k€9k▼

Plant, machinery and equipment23€10k€9k▼

Financial fixed assets28€847k€916k▲

Current assets29/58€259k€1.68M▲

Stocks and contracts in progress3€4k€6k▲

Stocks30/36€4k€6k▲

Amounts receivable within one year40/41€52k€1.22M▲

Other amounts receivable41€52k€1.22M▲

Current investments50/53€194k-

Cash at bank and in hand54/58€8k€449k▲

Deferred charges and accrued income490/1-€4k

Equity and liabilities

Total equity and liabilities10/49€1.12M€2.61M▲

Equity10/15€56k€183k▲

Contributions10/11€62k€62k=

Capital10€62k€62k=

Issued capital100€62k€62k=

Reserves13-€122k

Distributable reserves133-€122k

Profit (loss) carried forward14€-6k-

Amounts payable17/49€1.06M€2.42M▲

Amounts payable after more than one year17-€309k

Financial debts170/4-€309k

Amounts payable within one year42/48€1.06M€2.11M▲

Current portion of amounts payable after more than one year42-€51k

Trade debts44€6k€6k▲

Suppliers440/4€6k€6k▲

Taxes, remuneration and social security45€3k€5k▲

Taxes450/3-€3k

Remuneration and social security454/9€3k€3k▲

Other amounts payable47/48€1.05M€2.05M▲

Income statement Code20232024

Remuneration, social security and pensions62€4k€31k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€250€2k▲

Other operating charges640/8€567€2k▲

Gross operating margin9900€2k€33k▲

Operating profit (loss)9901€-3k€-3k▼

Financial income75/76B-€164k

Recurring financial income75-€164k

Financial charges65/66B€13€34k▲

Recurring financial charges65€13€34k▲

Profit (loss) for the period before taxes9903€-3k€128k▲

Profit (loss) for the period9904€-3k€128k▲

Profit (loss) for the period to be appropriated9905€-3k€128k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-6k€122k▲

Profit (loss) brought forward from the previous period14P€-3k€-6k▼

Transfer to equity691/2-€122k

To other reserves6921-€122k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Gazette 1Filings 3

2026

17-07

State Gazette act Incorporation · Founder

Founding capital · Share issue

2025

09-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 40 days late

2024

31-12

Financial Back to profitnet €128k

Net result €128k after 2 loss-making years.

31-12

Financial Equity above €150kEq €183k ▲230%

Equity rises from €56k to €183k.

10-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 41 days late

2023

20-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 112 days late

Financial milestoneState Gazette actNBB 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, Lichtervelde · 2 establishment units since 2021

establishment All 2 establishment units on the map

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.

Diksmuidseboterweg 48810 Lichtervelde

Ground area

4,696 m²

Building footprint

321 m²

Volume, LiDAR

1,155 m³

2 parcels, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.

2 establishment units

E-Novum

Diksmuidseboterweg 4, 8810 LichterveldeRetail trade

since 20212.323.404.871

Epsom

Tieltstraat 49, 8740 PittemCafés and bars

since 20252.381.921.013

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
36011D0377/00B000	Flanders	4,552 m²	1 · 177 m²	10.5 m
37011C0087/00T000	Flanders	143 m²	1 · 143 m²	11.3 m · 3 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.

Similar companies · same sector, comparable size

Sint-Truiden · Eq €187k

SIGANIL

BE 0456.471.112

Bornem · Eq €187k

Of 683 companies in sector 46412 we hold annual accounts for 512. 406 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPublic limited company

Founded14-10-2021

Fiscal year end31-12

Activities, NACEBEL

46412Wholesale of household textiles and bedding

56101Full-service restaurants

56111Full-service restaurants

46190Agents in non-specialised wholesale trade

46900Non-specialised wholesale trade

56301Cafés and bars

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.