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 €39.04M and a net result of €86k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 95% of 5527 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 health 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 advice for your own amount and term
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 →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€39.04M▼ 2.3%
2024 · €39.95M
2018: €37.88M
2019: €37.93M
2020: €38.65M
2021: €39.77M
2022: €39.77M
2023: €39.82M
2024: €39.95M
2018 → 2025
Net result
€86k▼ 33.2%
2024 · €129k
2018: €56k
2019: €45k
2020: €723k
2021: €1.12M
2022: €-8k
2023: €57k
2024: €129k
2018 → 2025
Total assets
€39.06M▼ 2.4%
2024 · €40.03M
2018: €38.11M
2019: €45.08M
2020: €45.93M
2021: €39.98M
2022: €39.89M
2023: €39.85M
2024: €40.03M
2018 → 2025
Solvency
99.9%▲ 0.1pp
2024 · 99.8%
2018: 99.4%
2019: 84.1%
2020: 84.2%
2021: 99.5%
2022: 99.7%
2023: 99.9%
2024: 99.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39.77M-€39.77M=€39.82M▲ 0.1%€39.95M▲ 0.3%€39.04M▼ 2.3%
Operating result€-21k-€-19k▲ 7.5%€-32k▼ 65.4%€-8k▲ 74.4%€-10k▼ 22.9%
Net result€1.12M-€-8k€57k€129k▲ 127%€86k▼ 33.2%
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 €10k in 2025 against €8k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39.06M
Fixed assets
€34.04M =
Current assets
€5.02M ▼ 16.2%
Equity and liabilities €39.06M
Equity
€39.04M ▼ 2.3%
Debt
€25k ▼ 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%
ROA
0.2%▼
2024 · 0.3%
Debt ≤ 1 year
€25k▼
2024 · €77k
Income taxes
€41k▼
2024 · €66k
Staff costs
€42k▼
2024 · €43k
A ratio outside any meaningful range has been withheld (balance sheet total €39.06M, equity €39.04M).
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€40.03M€39.06M▼
Fixed assets21/28€34.04M€34.04M=
Financial fixed assets28€34.04M€34.04M=
Current assets29/58€5.99M€5.02M▼
Amounts receivable after more than one year29€3.26M€3.26M=
Other amounts receivable291€3.26M€3.26M=
Amounts receivable within one year40/41€444k€609k▲
Trade receivables40€15k€16k▲
Other amounts receivable41€429k€593k▲
Current investments50/53€2.00M-
Cash at bank and in hand54/58€283k€1.15M▲
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€40.03M€39.06M▼
Equity10/15€39.95M€39.04M▼
Contributions10/11€19k€19k=
Reserves13€39.93M€39.02M▼
Distributable reserves133€39.93M€39.02M▼
Amounts payable17/49€77k€25k▼
Amounts payable within one year42/48€77k€25k▼
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€75k€21k▼
Taxes450/3€64k€11k▼
Remuneration and social security454/9€10k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62€43k€42k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€36k€33k▼
Operating profit (loss)9901€-8k€-10k▼
Financial income75/76B€203k€137k▼
Recurring financial income75€203k€137k▼
Financial charges65/66B€212€142▼
Recurring financial charges65€212€142▼
Profit (loss) for the period before taxes9903€194k€127k▼
Income taxes67/77€66k€41k▼
Profit (loss) for the period9904€129k€86k▼
Profit (loss) for the period to be appropriated9905€129k€86k▼
Appropriation of the result
Profit (loss) to be appropriated9906€129k€86k▼
Transfer from equity791/2-€1.00M
Transfer to equity691/2€129k€86k▼
To other reserves6921€129k€86k▼
Profit to be distributed694/7-€1.00M
Return on contributions (dividend)694-€1.00M
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (2 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
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
Incorporation · Founder
Founding capital · Bank account · Tuur KENNIS
2025
31-12
Financial
Liquidity triplescurrent ratio 197.48
Current ratio from 77.56 to 197.48; short-term debt falls from €77k to €25k.
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 €57k
Net result €57k 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 €128k to €27k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-8k ▼101%
Net result drops to €-8k, 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 €1.12M ▲55.3%
Net result €1.12M, 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 €231k to €68k.
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.
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, Oud-Turnhout · 1 establishment unit since 2016
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.
Kraaienbosstraat 342360 Oud-TurnhoutGround 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
Methodology
via registered seat: 1
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
Ownership & control
1 subsidiaryEMPEHABE 0839.569.345
controls
Where this company holds controlsubsidiary per the LEI register1
Oud-Turnhout · LEI lapsed
Recognitions · licences · registrations
Legal Entity Identifier
549300FQPFPOL0IZE486
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Of 56 companies in sector 64929 we hold annual accounts for 40. 12 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
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
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.