EMMANUEL & CO
ActiveSummary
EMMANUEL & CO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €204k and a net result of €14k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+3
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 13.48 against 10.53 in 2024; short-term debt: 7.2% and cash: 45.1% of total assets), and 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
92%
Return on assets
6.1%
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 18-04-2026, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
12 d early
2024
1 d early
2023
11 d early
2022
9 d early
2021
2 d early
2020
on the day
2019
10 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€204k▼ 1.9%
2024 · €208k
2018: €149k
2019: €188k
2020: €224k
2021: €238k
2022: €248k
2023: €225k
2024: €208k
2018 → 2025
Total assets
€222k▼ 5.4%
2024 · €235k
2018: €180k
2019: €242k
2020: €270k
2021: €262k
2022: €308k
2023: €256k
2024: €235k
2018 → 2025
Net result
€14k▲ 56.7%
2024 · €9k
2018: €41k
2019: €40k
2020: €36k
2021: €14k
2022: €28k
2023: €10k
2024: €9k
2018 → 2025
Working capital
€199k▲ 1.2%
2024 · €197k
2018: €147k
2019: €184k
2020: €223k
2021: €240k
2022: €229k
2023: €205k
2024: €197k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€238k-€248k▲ 4.1%€225k▼ 9.3%€208k▼ 7.3%€204k▼ 1.9%
Operating result€18k-€48k▲ 165%€6k▼ 86.7%€11k▲ 76.7%€17k▲ 53.0%
Net result€14k-€28k▲ 96.6%€10k▼ 62.0%€9k▼ 17.4%€14k▲ 56.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 53% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €222k
Fixed assets
€7k ▼ 58.0%
Current assets
€215k ▼ 1.1%
Equity and liabilities €222k
Equity
€204k ▼ 1.9%
Debt
€18k ▼ 32.8%
Debt's share of the balance-sheet total falls from 11.3% to 8.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€28k▲
2024 · €25k
Cash flow
€24k▲
2024 · €22k
Current ratio
13.48▲
2024 · 10.53
Quick ratio
12.42▲
2024 · 9.23
Debt to equity
0.09▼
2024 · 0.13
ROE
6.6%▲
2024 · 4.2%
ROA
6.1%▲
2024 · 3.7%
Interest coverage
65.84▲
2024 · 24.49
Debt ≤ 1 year
€16k▼
2024 · €21k
Income taxes
€5k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€235k€222k▼
Fixed assets21/28€18k€7k▼
Tangible fixed assets22/27€18k€7k▼
Furniture and vehicles24€10k€975▼
Other tangible fixed assets26€7k€6k▼
Current assets29/58€217k€215k▼
Amounts receivable after more than one year29€100k€80k▼
Other amounts receivable291€100k€80k▼
Stocks and contracts in progress3€27k€17k▼
Stocks30/36€27k€17k▼
Amounts receivable within one year40/41€3k€14k▲
Trade receivables40€2k€13k▲
Other amounts receivable41€508€1k▲
Cash at bank and in hand54/58€86k€100k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€235k€222k▼
Equity10/15€208k€204k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€202k€198k▼
Distributable reserves133€202k€198k▼
Amounts payable17/49€27k€18k▼
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€21k€16k▼
Current portion of amounts payable after more than one year42€6k€5k▼
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€4k€6k▲
Remuneration and social security454/9€305€1k▲
Other amounts payable47/48€6k€0▼
Accrued charges and deferred income492/3€973€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€10k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€26k€29k▲
Operating profit (loss)9901€11k€17k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€1k€420▼
Recurring financial charges65€1k€420▼
Profit (loss) for the period before taxes9903€12k€19k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€9k€14k▲
Profit (loss) for the period to be appropriated9905€9k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€14k▲
Transfer from equity791/2€25k€18k▼
Transfer to equity691/2€9k€14k▲
To other reserves6921€9k€14k▲
Profit to be distributed694/7€25k€18k▼
Return on contributions (dividend)694€25k€18k▼
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
18-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €9k ▼17.4%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
19-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €200kEq €224k ▲18.9%
3 profitable years in a row build equity to €224k.
20-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €150kEq €188k ▲26.4%
2 profitable years in a row build equity to €188k.
12-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-04
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
3 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, Hamme (Vl.) · 1 establishment unit since 2013
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-Annastraat 2529220 Hamme (Vl.)Ground area
1,090 m²
Building footprint
187 m²
Volume, LiDAR
1,097 m³
Parcel 42452E0626/00E000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
E. & CO
since 20132.222.132.121
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452E0626/00E000 | Flanders | 1,090 m² | 1 · 187 m² | 6.4 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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Of 366 companies in sector 43421 we hold annual accounts for 203. 160 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
Founded10-07-2013
Fiscal year end30-09
Activities, NACEBEL 2025
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.