EMMALO
ActiveEMMALO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.54M and a net result of €-22k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 87% of 8623 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity short (current ratio 0.5 against 0.57 in 2024; short-term debt: 9.5% and cash: 4.7% of total assets), and 9.5% 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.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
90.5%
Return on assets
-1.3%
Age of the figures
12 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 26-04-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
13 d early
2023
13 d early
2022
3 d early
2021
1 d early
2020
on the day
2019
1 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
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.54M▼ 1.4%
2024 · €1.56M
2018: €1.26M
2019: €1.26M
2020: €1.26M
2021: €1.24M
2022: €1.61M
2023: €1.59M
2024: €1.56M
2018 → 2025
Total assets
€1.70M▼ 1.2%
2024 · €1.72M
2018: €1.30M
2019: €1.29M
2020: €1.30M
2021: €1.86M
2022: €1.76M
2023: €1.74M
2024: €1.72M
2018 → 2025
Net result
€-22k▼ 1.5%
2024 · €-22k
2018: €2k
2019: €1k
2020: €331
2021: €-20k
2022: €370k
2023: €-21k
2024: €-22k
2018 → 2025
Working capital
€-80k▼ 17.8%
2024 · €-68k
2018: €186k
2019: €186k
2020: €186k
2021: €-426k
2022: €-46k
2023: €-56k
2024: €-68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.24M-€1.61M▲ 29.9%€1.59M▼ 1.3%€1.56M▼ 1.4%€1.54M▼ 1.4%
Operating result€-20k-€501€-19k€-20k▼ 6.2%€-20k▼ 0.7%
Net result€-20k-€370k€-21k€-22k▼ 6.0%€-22k▼ 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 stays negative: a loss of €20k in 2025 against €20k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.70M
Fixed assets
€1.62M▼ 0.6%
Current assets
€81k▼ 11.4%
Equity and liabilities €1.70M
Equity
€1.54M▼ 1.4%
Debt
€161k▲ 1.0%
The debt ratio rises from 9.2% to 9.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-10k▼
2024 · €-10k
Cash flow
€-12k▼
2024 · €-12k
Solvency
90.5%▼
2024 · 90.8%
Current ratio
0.50▼
2024 · 0.57
Quick ratio
0.50▼
2024 · 0.57
Debt / equity
0.10▲
2024 · 0.10
ROE
-1.4%▼
2024 · -1.4%
ROA
-1.3%▼
2024 · -1.3%
Interest coverage
-4.84▲
2024 · -5.29
Debt
€161k▲
2024 · €159k
Debt ≤ 1 year
€161k▲
2024 · €159k
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€1.72M€1.70M▼
Fixed assets21/28€1.63M€1.62M▼
Tangible fixed assets22/27€562k€551k▼
Land and buildings22€562k€551k▼
Financial fixed assets28€1.07M€1.07M=
Current assets29/58€91k€81k▼
Amounts receivable within one year40/41€193€117▼
Other amounts receivable41€193€117▼
Cash at bank and in hand54/58€91k€80k▼
Deferred charges and accrued income490/1€776€801▲
Equity and liabilities
Total equity and liabilities10/49€1.72M€1.70M▼
Equity10/15€1.56M€1.54M▼
Contributions10/11€1.09M€1.09M=
Reserves13€474k€451k▼
Non-distributable reserves130/1€109k€109k=
Reserves not available under the articles1311€109k€109k=
Distributable reserves133€365k€342k▼
Amounts payable17/49€159k€161k▲
Amounts payable within one year42/48€159k€161k▲
Trade debts44€415€41▼
Suppliers440/4€415€41▼
Other amounts payable47/48€159k€161k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-8k€-8k▼
Operating profit (loss)9901€-20k€-20k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-22k€-22k▼
Profit (loss) for the period9904€-22k€-22k▼
Profit (loss) for the period to be appropriated9905€-22k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-22k▼
Transfer from equity791/2€22k€22k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (8 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
26-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series.
17-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Back to profitnet €370k
Net result €370k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Waregem · 1 establishment unit since 2014
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.
Kasteelstraat 758792 WaregemGround area
1,576 m²
Building footprint
262 m²
Volume, LiDAR
1,366 m³
Parcel 34010A0367/00C000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EMMALO
since 20142.229.439.783
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34010A0367/00C000 | Flanders | 1,576 m² | 1 · 262 m² | 7.0 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
ORION CAPITAL HOLDING
BE 0663.958.169
Vorst · Eq €1.54M
JEMI CONSULT
BE 0827.597.565
Hasselt · Eq €1.54M
MOVE CONSULTING
BE 0563.399.853
Etterbeek · Eq €1.54M
CANVA
BE 0896.607.127
Hannut · Eq €1.54M
IMMOBILIERE LIEGEOISE
BE 0430.462.343
Liège · Eq €1.54M
Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 23,092 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-04-2014
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.