EMP
ActiveEMP has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €525k and a net result of €9k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 95% of 3253 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▼-15
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 31.43 against 34.55 in 2024), and 2.9% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
97.1%
Return on assets
1.6%
Age of the figures
8 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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
16 d early
2023
57 d early
2022
25 d late
2021
31 d late
2020
31 d late
2019
89 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€525k▲ 1.7%
2024 · €516k
2018: €452k
2019: €456k
2020: €451k
2021: €451k
2022: €465k
2023: €493k
2024: €516k
2018 → 2025
Total assets
€541k▲ 0.4%
2024 · €539k
2018: €460k
2019: €463k
2020: €458k
2021: €456k
2022: €556k
2023: €517k
2024: €539k
2018 → 2025
Net result
€9k▼ 63.0%
2024 · €24k
2018: €12k
2019: €4k
2020: €-5k
2021: €-163
2022: €14k
2023: €28k
2024: €24k
2018 → 2025
Working capital
€411k▼ 2.8%
2024 · €423k
2018: €371k
2019: €387k
2020: €387k
2021: €375k
2022: €296k
2023: €357k
2024: €423k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€451k-€465k▲ 3.1%€493k▲ 6.0%€516k▲ 4.8%€525k▲ 1.7%
Operating result€-70-€17k€31k▲ 82.4%€22k▼ 29.0%€6k▼ 72.2%
Net result€-163-€14k€28k▲ 102%€24k▼ 15.7%€9k▼ 63.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 72% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €541k
Fixed assets
€116k▲ 12.7%
Current assets
€425k▼ 2.5%
Equity and liabilities €541k
Equity
€525k▲ 1.7%
Debt
€16k▼ 28.8%
The debt ratio falls from 4.1% to 2.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€43k▼
2024 · €49k
Cash flow
€46k▼
2024 · €51k
Solvency
97.1%▲
2024 · 95.9%
Current ratio
31.43▼
2024 · 34.55
Quick ratio
31.43▼
2024 · 34.55
Debt / equity
0.03▼
2024 · 0.04
ROE
1.7%▼
2024 · 4.6%
ROA
1.6%▼
2024 · 4.4%
Interest coverage
101.61▼
2024 · 148.90
Debt
€16k▼
2024 · €22k
Debt ≤ 1 year
€14k▲
2024 · €13k
Debt > 1 year
€0▼
2024 · €3k
Income taxes
€3k▼
2024 · €8k
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€539k€541k▲
Fixed assets21/28€103k€116k▲
Tangible fixed assets22/27€103k€116k▲
Land and buildings22€49k€45k▼
Furniture and vehicles24€54k€71k▲
Current assets29/58€436k€425k▼
Amounts receivable within one year40/41€15k€13k▼
Trade receivables40€13k€6k▼
Other amounts receivable41€2k€7k▲
Current investments50/53€545€0▼
Cash at bank and in hand54/58€419k€411k▼
Deferred charges and accrued income490/1€403€492▲
Equity and liabilities
Total equity and liabilities10/49€539k€541k▲
Equity10/15€516k€525k▲
Contributions10/11€25k€25k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€489k€498k▲
Amounts payable17/49€22k€16k▼
Amounts payable after more than one year17€3k€0▼
Other amounts payable178/9€3k€0▼
Amounts payable within one year42/48€13k€14k▲
Trade debts44€12k€13k▲
Suppliers440/4€12k€13k▲
Taxes, remuneration and social security45€1k€711▼
Taxes450/3€1k€711▼
Accrued charges and deferred income492/3€6k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€37k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€22k€0▼
Gross operating margin9900€74k€46k▼
Operating profit (loss)9901€22k€6k▼
Financial income75/76B€10k€6k▼
Recurring financial income75€10k€6k▼
Financial charges65/66B€332€423▲
Recurring financial charges65€332€423▲
Profit (loss) for the period before taxes9903€32k€12k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€24k€9k▼
Profit (loss) for the period to be appropriated9905€24k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€489k€498k▲
Profit (loss) brought forward from the previous period14P€465k€489k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (6 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €516k ▲4.8%
3 profitable years in a row build equity to €516k.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €28k ▲102%
Operating result €31k, net result €28k, both a record.
31-12
Financial
Liquidity times 11current ratio 53.56
Current ratio from 5.01 to 53.56; short-term debt falls from €74k to €7k.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-5k ▼230%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Waterloo · 1 establishment unit since 1991
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.
Drève Richelle 1611410 WaterlooGround area
1.1 ha
Building footprint
1,969 m²
Volume, LiDAR
35,991 m³
2 parcels, Brussels, Wallonia · tallest building 22.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Brugmannlaan 18, 1060 Sint-Gillis (bij-Brussel)
since 19912.051.048.964
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763M0621/00F000indicative | Wallonia | 1.0 ha | 1 · 1,772 m² | 22.9 m · 6 fl. |
| 21013B0371/00K019 | Brussels | 899 m² | 1 · 196 m² | 18.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels 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
FAVRIL INSURANCE
BE 0428.167.502
Herentals · Eq €525k
HB'Fisc
BE 0790.831.102
Waregem · Eq €523k
D.J. DIENSTEN
BE 0451.635.463
Haacht · Eq €531k
CORCRIS
BE 0452.705.235
Brasschaat · Eq €533k
GESTLEDER
BE 0448.667.164
Eupen · Eq €535k
Of 2,258 companies in sector 69209 we hold annual accounts for 1,090. 712 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-1990
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
41001General construction of residential buildings
45211
45212
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70201
70203
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.