Emna Chaouch
ActiveEmna Chaouch has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €10k. Its solvency ranks better than 52% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency83▲+18
Growth52
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 1.23 in 2024; short-term debt: 42% and cash: 31.5% of total assets), and 42% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
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
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
58%
Return on assets
25.5%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
24 d early
2024
28 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 78.3%
2024 · €13k
2024: €13k
2024 → 2025
Total assets
€39k▲ 22.8%
2024 · €32k
2024: €32k
2024 → 2025
Net result
€10k▼ 18.6%
2024 · €12k
2024: €12k
2024 → 2025
Working capital
€15k▲ 231%
2024 · €4k
2024: €4k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€13k-€23k▲ 78.3%
Operating result€17k-€14k▼ 16.8%
Net result€12k-€10k▼ 18.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39k
Fixed assets
€8k▼ 3.2%
Current assets
€31k▲ 32.0%
Equity and liabilities €39k
Equity
€23k▲ 78.3%
Debt
€17k▼ 14.1%
The debt ratio falls from 60.0% to 42.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▼
2024 · €21k
Cash flow
€15k▼
2024 · €16k
Solvency
58.0%▲
2024 · 40.0%
Current ratio
1.89▲
2024 · 1.23
Quick ratio
1.89▲
2024 · 1.23
Debt / equity
0.72▼
2024 · 1.50
ROE
43.9%▼
2024 · 96.1%
ROA
25.5%▼
2024 · 38.4%
Interest coverage
46.48▲
2024 · 34.41
Debt
€17k▼
2024 · €19k
Debt ≤ 1 year
€17k▼
2024 · €19k
Income taxes
€4k▼
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€32k€39k▲
Fixed assets21/28€8k€8k▼
Intangible fixed assets21-€3k
Tangible fixed assets22/27€8k€5k▼
Furniture and vehicles24€8k€5k▼
Current assets29/58€24k€31k▲
Amounts receivable within one year40/41€8k€5k▼
Trade receivables40€8k€5k▼
Other amounts receivable41-€734
Cash at bank and in hand54/58€10k€12k▲
Deferred charges and accrued income490/1€6k€13k▲
Equity and liabilities
Total equity and liabilities10/49€32k€39k▲
Equity10/15€13k€23k▲
Contributions10/11€500€500=
Profit (loss) carried forward14€12k€22k▲
Amounts payable17/49€19k€17k▼
Amounts payable within one year42/48€19k€17k▼
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€8k€9k▲
Other amounts payable47/48€2k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€50-
Gross operating margin9900€21k€19k▼
Operating profit (loss)9901€17k€14k▼
Financial income75/76B€97€43▼
Recurring financial income75€97€43▼
Financial charges65/66B€604€412▼
Recurring financial charges65€604€412▼
Profit (loss) for the period before taxes9903€17k€14k▼
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€12k€10k▼
Profit (loss) for the period to be appropriated9905€12k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€22k▲
Profit (loss) brought forward from the previous period14P-€12k
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Mont-Saint-Guibert · 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.
Rue de Corbais 177A1435 Mont-Saint-GuibertGround area
1,890 m²
Building footprint
383 m²
Volume, LiDAR
3,178 m³
Parcel 25020A0287/00V002, Wallonia · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Emna Chaouch
since 20242.356.601.142
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25020A0287/00V002 | Wallonia | 1,890 m² | 1 · 383 m² | 12.1 m · 3 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 82,562 companies in sector 70200 we hold annual accounts for 52,574. 31,933 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.