Emmanuel
ActiveEmmanuel has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.56M and a net result of €-56k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 529 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▼-34
Solvency100=
Growth50▼-17
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €290k at 30 days acceptable
Liquidity ample (current ratio 7.65 against 7.19 in 2024; short-term debt: 7.4% and cash: 19.3% of total assets), and 10.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 87
Relative position
BE, all sectors
reference
Sector 87
lower
← fewer bankruptcies
more bankruptcies →
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
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
89.9%
Return on assets
-1.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
35 d early
2023
76 d late
2020
36 d early
2019
46 d late
2017
31 d late
2016
29 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€0▼ 100%
2023 · €669k
2019: €586k
2020: €570k
2023: €669k
2019 → 2024
EBIT margin
20.3%▲ 22.4pp
2020 · -2.1%
2019: -19.0%
2020: -2.1%
2019 → 2023
Net result
€-56k
2024 · €292k
2019: €-13k
2020: €16k
2023: €250k
2024: €292k
2019 → 2025
Working capital
€1.95M▲ 7.8%
2024 · €1.81M
2019: €1.18M
2020: €1.26M
2023: €1.56M
2024: €1.81M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202320242025Trend
Turnover€586k-€570k▼ 2.7%€669k▲ 17.4%€0▼ 100%
Equity€1.90M-€1.92M▲ 0.8%€3.26M▲ 69.8%€3.52M▲ 7.9%€3.56M▲ 1.3%
Operating result€-112k-€-12k▲ 89.3%€136k€174k▲ 28.0%€-138k
Net result€-13k-€16k€250k▲ 1,510%€292k▲ 16.8%€-56k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €138k after €174k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.96M
Fixed assets
€1.72M▼ 5.5%
Current assets
€2.24M▲ 6.8%
Equity and liabilities €3.96M
Equity
€3.56M▲ 1.3%
Provisions
€103k=
Debt
€295k▼ 1.4%
The debt ratio falls from 7.6% to 7.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€64k▼
2024 · €367k
Cash flow
€146k▼
2024 · €485k
Solvency
89.9%▲
2024 · 89.7%
Current ratio
7.65▲
2024 · 7.19
Quick ratio
7.65▲
2024 · 7.19
Debt / equity
0.08▼
2024 · 0.09
ROE
-1.6%▼
2024 · 8.3%
ROA
-1.4%▼
2024 · 7.4%
Interest coverage
3.29▼
2024 · 20.41
Debt
€295k▼
2024 · €299k
Debt ≤ 1 year
€293k▲
2024 · €292k
Staff costs
€1.72M▲
2024 · €1.48M
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€3.92M€3.96M▲
Fixed assets21/28€1.82M€1.72M▼
Intangible fixed assets21€39k€43k▲
Tangible fixed assets22/27€1.78M€1.67M▼
Land and buildings22€1.70M€1.59M▼
Plant, machinery and equipment23€4k€9k▲
Furniture and vehicles24€78k€79k▲
Current assets29/58€2.10M€2.24M▲
Amounts receivable within one year40/41€317k€227k▼
Trade receivables40€73k€89k▲
Other amounts receivable41€245k€139k▼
Current investments50/53€1.22M€1.24M▲
Cash at bank and in hand54/58€552k€765k▲
Deferred charges and accrued income490/1€14k€7k▼
Equity and liabilities
Total equity and liabilities10/49€3.92M€3.96M▲
Equity10/15€3.52M€3.56M▲
Contributions10/11€721k€721k=
Capital10€721k€721k=
Reserves13€120k€119k▼
Profit (loss) carried forward14€1.82M€1.76M▼
Investment grants15€857k€959k▲
Provisions and deferred taxes16€103k€103k=
Provisions for liabilities and charges160/5€103k€103k=
Major repairs and maintenance162€103k€103k=
Amounts payable17/49€299k€295k▼
Amounts payable within one year42/48€292k€293k▲
Current portion of amounts payable after more than one year42€13k-
Trade debts44€47k€19k▼
Suppliers440/4€47k€19k▼
Taxes, remuneration and social security45€232k€273k▲
Taxes450/3€11k€16k▲
Remuneration and social security454/9€221k€257k▲
Accrued charges and deferred income492/3€7k€2k▼
Income statement
Code20242025
Turnover70€0-
Non-recurring operating income76A€8k€90▼
Goods, raw materials, services and sundry goods60/61€270k€296k▲
Remuneration, social security and pensions62€1.48M€1.72M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€193k€202k▲
Other operating charges640/8€60k€64k▲
Non-recurring operating charges66A€37k€22k▼
Gross operating margin9900€2.04M€1.87M▼
Operating profit (loss)9901€174k€-138k▼
Financial income75/76B€135k€102k▼
Recurring financial income75€135k€102k▼
Financial charges65/66B€18k€19k▲
Recurring financial charges65€18k€19k▲
Profit (loss) for the period before taxes9903€292k€-56k▼
Profit (loss) for the period9904€292k€-56k▼
Profit (loss) for the period to be appropriated9905€292k€-56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.94M€1.88M▼
Profit (loss) brought forward from the previous period14P€1.65M€1.94M▲
To contributions691€120k€119k▼
Social balance
Average headcount (FTE)908722.422.4=
The notes to these accounts (9 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-56k ▼119%
Net result drops to €-56k, the lowest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2019net €292k ▲16.8%
Operating result €174k, net result €292k, both a record.
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 76 days late
2023
31-12
Financial
Equity above €2MEq €3.26M ▲69.8%
2 profitable years in a row build equity to €3.26M.
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 46 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
06-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 37 days late
2015
27-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 27 days late
2014
30-08
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Sprimont · 2 establishment units since 1982
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.
Avenue Nusbaum(LVG) 234141 SprimontGround area
1.0 ha
Building footprint
1,010 m²
Parcel 62067B0500/00M004, Wallonia. Linked by address, not a title deed.
2 establishment units
Foyer Marthe et Marie
since 19822.157.744.907
Emmanuel
since 19822.157.745.006
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62067B0500/00M004 | Wallonia | 1.0 ha | 1 · 1,010 m² | - |
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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Of 323 companies in sector 87202 we hold annual accounts for 274. 212 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded17-11-1982
Fiscal year end31-12
Activities, NACEBEL
87202Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.