Summary
EMPEHA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €39.0m and a net result of €86,058. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 95% of 5651 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
14 d late
2023
on the day
2022
6 d early
2021
2 d early
2020
2 d early
2019
4 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check Which other companies belong to the same group?EMPEHA · 2 companies What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
In the rankings
#4 company by total assets in Oud-Turnhout, Finance and insurance sector#4 company by equity in Oud-Turnhout, Finance and insurance sector
Equity
€39.0m▼ 2.3%
2024 · €40.0m
Net result
€86,058▼ 33.2%
2024 · €128,812
Total assets
€39.1m▼ 2.4%
2024 · €40.0m
Solvency
99.9%▲ 0.1pp
2024 · 99.8%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€20,835▼ 51.3%-€19,281▲ 7.5%-€31,893▼ 65.4%-€8,155▲ 74.4%-€10,024▼ 22.9%
Net result€1.1mabove the sector's middle half▲ 55.3%-€8,096below the sector's middle half€56,784within the sector's middle half€128,812within the sector's middle half▲ 127%€86,058within the sector's middle half▼ 33.2%
Equity€39.8mabove the sector's middle half▲ 2.9%€39.8mabove the sector's middle half=€39.8mabove the sector's middle half▲ 0.1%€40.0mabove the sector's middle half▲ 0.3%€39.0mabove the sector's middle half▼ 2.3%
Total assets€40.0mabove the sector's middle half▼ 13.0%€39.9mabove the sector's middle half▼ 0.2%€39.8mabove the sector's middle half▼ 0.1%€40.0mabove the sector's middle half▲ 0.5%€39.1mabove the sector's middle half▼ 2.4%
Debt€203,514▼ 97.2%€127,642▼ 37.3%€26,652▼ 79.1%€77,248▲ 190%€25,439▼ 67.1%
Working capital€5.7mabove the sector's middle half▲ 0.7%€5.7mabove the sector's middle half▼ 0.1%€5.8mabove the sector's middle half▲ 1.0%€5.9mabove the sector's middle half▲ 2.2%€5.0mabove the sector's middle half▼ 15.5%
Solvency99.5%above the sector's middle half▲ 15.3pp99.7%above the sector's middle half▲ 0.2pp99.9%above the sector's middle half▲ 0.3pp99.8%above the sector's middle half▼ 0.1pp99.9%above the sector's middle half▲ 0.1pp
Current ratio29.24above the sector's middle half▼ 1.5345.88above the sector's middle half▲ 16.6577.56above the sector's middle half
Return on assets (ROA)2.8%within the sector's middle half▲ 1.2pp0.0%below the sector's middle half▼ 2.8pp0.1%below the sector's middle half▲ 0.2pp0.3%below the sector's middle half▲ 0.2pp0.2%below the sector's middle half▼ 0.1pp
Staff (FTE)1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 €10,024 in 2025 against €8,155 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39.1m
Fixed assets
€34.0m =
Current assets
€5.0m ▼ 16.2%
Equity and liabilities €39.1m
Equity
€39.0m ▼ 2.3%
Debt
€25,439 ▼ 67.1%
Debt's share of the balance-sheet total falls from 0.2% to 0.1%. Equity and debt are lower.
Key figures and ratios
ROE
0.2%▼
2024 · 0.3%
Debt ≤ 1 year
€25,439▼
2024 · €77,248
Income taxes
€40,815▼
2024 · €65,516
Staff costs
€41,752▼
2024 · €42,965
A ratio outside any meaningful range has been withheld (balance sheet total €39.1m, equity €39.0m).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €36,548 | €38,245 | €43,154 | €42,965 | €41,752 | ▼ 2.8% |
| Other operating charges640/8 | €969 | €970 | €1,069 | €1,086 | €1,118 | ▲ 3.0% |
| Gross operating margin9900 | €16,682 | €19,934 | €12,331 | €35,896 | €32,847 | ▼ 8.5% |
| Operating profit (loss)9901 | -€20,835 | -€19,281 | -€31,893 | -€8,155 | -€10,024 | ▼ 22.9% |
| Financial income75/76B | €1.3m | €16,810 | €103,084 | €202,695 | €137,038 | ▼ 32.4% |
| Recurring financial income75 | €1.3m | €16,810 | €103,084 | €202,695 | €137,038 | ▼ 32.4% |
| Financial charges65/66B | €34,480 | €5,625 | €2,611 | €212 | €142 | ▼ 33.2% |
| Recurring financial charges65 | €34,480 | €5,625 | €2,611 | €212 | €142 | ▼ 33.2% |
| Profit (loss) for the period before taxes9903 | €1.2m | -€8,096 | €68,581 | €194,328 | €126,873 | ▼ 34.7% |
| Income taxes67/77 | €112,248 | - | €11,796 | €65,516 | €40,815 | ▼ 37.7% |
| Profit (loss) for the period9904 | €1.1m | -€8,096 | €56,784 | €128,812 | €86,058 | ▼ 33.2% |
| Profit (loss) for the period to be appropriated9905 | €1.1m | -€8,096 | €56,784 | €128,812 | €86,058 | ▼ 33.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €40.0m | €39.9m | €39.8m | €40.0m | €39.1m | ▼ 2.4% |
| Fixed assets21/28 | €34.0m | €34.0m | €34.0m | €34.0m | €34.0m | = |
| Financial fixed assets28 | €34.0m | €34.0m | €34.0m | €34.0m | €34.0m | = |
| Current assets29/58 | €5.9m | €5.9m | €5.8m | €6.0m | €5.0m | ▼ 16.2% |
| Amounts receivable after more than one year29 | €3.5m | €3.3m | €3.3m | €3.3m | €3.3m | = |
| Other amounts receivable291 | €3.5m | €3.3m | €3.3m | €3.3m | €3.3m | = |
| Amounts receivable within one year40/41 | €571,856 | €589,099 | €693,646 | €444,007 | €609,180 | ▲ 37.2% |
| Trade receivables40 | €12,815 | €13,328 | €14,791 | €15,017 | €16,030 | ▲ 6.7% |
| Other amounts receivable41 | €559,041 | €575,771 | €678,855 | €428,991 | €593,150 | ▲ 38.3% |
| Current investments50/53 | - | - | - | €2.0m | - | - |
| Cash at bank and in hand54/58 | €1.9m | €2.0m | €1.9m | €282,531 | €1.2m | ▲ 309% |
| Deferred charges and accrued income490/1 | €213 | €230 | - | €4,658 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €40.0m | €39.9m | €39.8m | €40.0m | €39.1m | ▼ 2.4% |
| Equity10/15 | €39.8m | €39.8m | €39.8m | €40.0m | €39.0m | ▼ 2.3% |
| Contributions10/11 | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €39.8m | €39.7m | €39.8m | €39.9m | €39.0m | ▼ 2.3% |
| Non-distributable reserves130/1 | €1,855 | €1,855 | - | - | - | - |
| Reserves not available under the articles1311 | €1,855 | €1,855 | - | - | - | - |
| Distributable reserves133 | €39.8m | €39.7m | €39.8m | €39.9m | €39.0m | ▼ 2.3% |
| Amounts payable17/49 | €203,514 | €127,642 | €26,652 | €77,248 | €25,439 | ▼ 67.1% |
| Amounts payable within one year42/48 | €203,183 | €127,629 | €26,652 | €77,248 | €25,439 | ▼ 67.1% |
| Trade debts44 | €911 | €126 | €161 | €2,600 | €4,320 | ▲ 66.2% |
| Suppliers440/4 | €911 | €126 | €161 | €2,600 | €4,320 | ▲ 66.2% |
| Taxes, remuneration and social security45 | €202,271 | €127,503 | €26,491 | €74,648 | €21,118 | ▼ 71.7% |
| Taxes450/3 | €192,787 | €115,700 | €15,532 | €64,337 | €10,914 | ▼ 83.0% |
| Remuneration and social security454/9 | €9,484 | €11,803 | €10,959 | €10,311 | €10,205 | ▼ 1.0% |
| Accrued charges and deferred income492/3 | €332 | €13 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1.1m | -€8,096 | €56,784 | €128,812 | €86,058 | ▼ 33.2% |
| Operating cash flow (approximation) | €1.1m | -€8,096 | €56,784 | €128,812 | €86,058 | ▼ 33.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €103,430 | -€148,523 | -€1.6m | €871,878 | ▲ 155% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-09
State Gazette act
Merger · Incorporation
Declaration · Director in office
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
29-06
State Gazette act
Duration · Board rule
Other statement · Representation rule
2025
31-12
Financial
Liquidity triplescurrent ratio 197.48
Current ratio from 77.56 to 197.48; short-term debt falls from €77,248 to €25,439.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 14 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €56,784
Net result €56,784 after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 218.06
Current ratio from 45.88 to 218.06; short-term debt falls from €127,629 to €26,652.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet -€8,096
Net result drops to -€8,096, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €1.1m ▲55.3%
Net result €1.1m, the highest in the series.
Show earlier events
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity times 6current ratio 220.89
Current ratio from 34.93 to 220.89; short-term debt falls from €231,224 to €68,097.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 95 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Oud-Turnhout · 1 establishment unit since 2016
Ground area
2,585 m²
Building footprint
339 m²
Volume, LiDAR
1,812 m³
Parcel 13482F0958/00B000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EMPEHA B.V.
since 20162.256.725.685
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13482F0958/00B000indicative | Flanders | 2,585 m² | 1 · 339 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Heads the group
EMPEHA
2 companies
Group, risk and exposure
Owners and holdings
4 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 4
-
100%
-
100%
-
50%
- Sourceact 24-09-2026share not stated
According to the 2025 annual accounts of EMPEHA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
549300FQPFPOL0IZE486
Similar companies · same sector, comparable size
NETCO INVEST
BE 0690.991.178
Merelbeke-Melle · Eq €46.1m
EPICo II
BE 0786.413.840
Brussel · Eq €25.4m
KBC Focus fund
BE 0647.812.124
Sint-Jans-Molenbeek · Eq €24.2m
NAMUR INVEST INNOVATION ET CROISSANCE
BE 0669.741.844
Namur · Eq €22.9m
ELANTIS
BE 0404.228.296
Liège · Eq €20.8m
Of 56 companies in this sector we hold annual accounts for 41. 12 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded14-07-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64929Financial service activities, except insurance and pension funding
70200Business and other management consultancy
66129Activities auxiliary to financial services and insurance activities
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0839569345
Also
9925:BE0839569345
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.