Emma Legal
ActiveSummary
The annual accounts of Emma Legal for fiscal year 2025 show a net loss of 139% of total assets. The 2025 annual accounts show equity of €641k and a net result of €-1.08M. Its solvency ranks better than 83% of 2692 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes
Profitability0
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 5.67; short-term debt: 17.5% and cash: 92.9% of total assets), and 17.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
82.2%
Return on assets
-138.9%
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 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, abbreviated schema
Equity
€641k
Total assets
€780k
Net result
€-1.08M
Working capital
€638k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €780k
Fixed assets
€6k
Current assets
€774k
Equity and liabilities €780k
Equity
€641k
Debt
€139k
Debt finances 17.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€-1.08M
Cash flow
€-1.08M
Current ratio
5.67
Debt to equity
0.22
ROE
-169.0%
ROA
-138.9%
Interest coverage
-180.47
Debt ≤ 1 year
€136k
Staff costs
€137k
Filed annual accounts As filed with the NBB · 2025 · 35 lines
Balance sheet
Code2025
Assets
Total assets20/58€780k
Fixed assets21/28€6k
Tangible fixed assets22/27€6k
Plant, machinery and equipment23€6k
Current assets29/58€774k
Amounts receivable within one year40/41€40k
Trade receivables40€2k
Other amounts receivable41€38k
Cash at bank and in hand54/58€724k
Deferred charges and accrued income490/1€10k
Equity and liabilities
Total equity and liabilities10/49€780k
Equity10/15€641k
Contributions10/11€1.72M
Profit (loss) carried forward14€-1.08M
Amounts payable17/49€139k
Amounts payable within one year42/48€136k
Trade debts44€122k
Suppliers440/4€122k
Taxes, remuneration and social security45€15k
Remuneration and social security454/9€15k
Accrued charges and deferred income492/3€3k
Income statement
Code2025
Remuneration, social security and pensions62€137k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€120
Gross operating margin9900€-944k
Operating profit (loss)9901€-1.08M
Financial income75/76B€6k
Recurring financial income75€6k
Financial charges65/66B€6k
Recurring financial charges65€6k
Profit (loss) for the period before taxes9903€-1.08M
Profit (loss) for the period9904€-1.08M
Profit (loss) for the period to be appropriated9905€-1.08M
Appropriation of the result
Profit (loss) to be appropriated9906€-1.08M
Social balance
Average headcount (FTE)90871.5
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
NBB filing
Directors · office · real estate
Directors
4 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, Gent · 1 establishment unit since 2024
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.
Sint-Pietersnieuwstraat 119000 GentGround area
359 m²
Building footprint
282 m²
Volume, LiDAR
4,501 m³
Parcel 44805E0287/00N000, Flanders · tallest building 20.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Emma Legal
since 20242.356.578.475
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44805E0287/00N000 | Flanders | 359 m² | 1 · 282 m² | 20.2 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 59,000 EUR awarded · 59,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 9,000 EUR | 9,000 EUR |
| 2024 | 1 | 50,000 EUR | 50,000 EUR |
Schemes
Innovatieve starterssteun
Subsidies voor internationaal ondernemen
Similar companies · same sector, comparable size
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DISHAN BUSINESS SOLUTIONS
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OFFICE CONSULT
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 10,856 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
Founded05-03-2024
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
18130Pre-press and pre-media services
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.