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 financial years (±0.6% per year). Its solvency ranks better than 95% of 6,589 sector peers (NACE 64, financial year 2025). The company has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, abbreviated format
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
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result stays negative: a loss of €10,024 in 2025 against €8,155 in 2024; the loss grows.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result-€0.01m
2025
Net result€0.09m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€39.1m
2025
Equity€39.0m
2025
Debt€0.03m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€5.0m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)0.2%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency99.9%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio77.56
2024
Average staff in full-time equivalents (FTE).
Staff (FTE)1
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result-€0.01m--€0.02m▼ 56.4%-€0.01m▲ 34.5%-€0.02m▼ 51.3%-€0.02m▲ 7.5%-€0.03m▼ 65.4%-€0.008m▲ 74.4%-€0.01m▼ 22.9%
Net result€0.06m-€0.05m▼ 19.0%€0.7mabove the sector's middle half▲ 1,492%€1.1mabove the sector's middle half▲ 55.3%-€0.008mbelow the sector's middle half€0.06mwithin the sector's middle half€0.1mwithin the sector's middle half▲ 127%€0.09mwithin the sector's middle half▼ 33.2%
Equity€37.9m-€37.9m▲ 0.1%€38.7mabove the sector's middle half▲ 1.9%€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€38.1m-€45.1m▲ 18.3%€45.9mabove the sector's middle half▲ 1.9%€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€0.2m-€7.2m▲ 2,992%€7.3m▲ 1.7%€0.2m▼ 97.2%€0.1m▼ 37.3%€0.03m▼ 79.1%€0.08m▲ 190%€0.03m▼ 67.1%
Working capital€7.8m-€15.0m▲ 90.8%€5.7mabove the sector's middle half▼ 62.0%€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%
Solvency99.4%-84.1%▼ 15.3pp84.2%above the sector's middle half=99.5%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 ratio34.93-30.76above the sector's middle half29.24above 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)0.1%-0.1%=1.6%within the sector's middle half▲ 1.5pp2.8%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)1-1=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=1within the sector's middle half=
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them.
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 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €0.04m | €0.04m | €0.04m | €0.04m | €0.04m | ▼ 2.8% |
| Other operating charges640/8 | - | - | - | €0.001m | €0.001m | €0.001m | €0.001m | €0.001m | ▲ 3.0% |
| Gross operating margin9900 | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | €0.01m | €0.04m | €0.03m | ▼ 8.5% |
| Operating profit (loss)9901 | -€0.01m | -€0.02m | -€0.01m | -€0.02m | -€0.02m | -€0.03m | -€0.008m | -€0.01m | ▼ 22.9% |
| Financial income75/76B | - | - | - | €1.3m | €0.02m | €0.1m | €0.2m | €0.1m | ▼ 32.4% |
| Recurring financial income75 | €0.1m | €0.09m | €0.9m | €1.3m | €0.02m | €0.1m | €0.2m | €0.1m | ▼ 32.4% |
| Financial charges65/66B | - | - | - | €0.03m | €0.006m | €0.003m | €212 | €142 | ▼ 33.2% |
| Recurring financial charges65 | €483 | €0.05m | €0.04m | €0.03m | €0.006m | €0.003m | €212 | €142 | ▼ 33.2% |
| Profit (loss) for the period before taxes9903 | €0.1m | €0.02m | €0.8m | €1.2m | -€0.008m | €0.07m | €0.2m | €0.1m | ▼ 34.7% |
| Income taxes67/77 | €0.04m | -€0.02m | €0.08m | €0.1m | - | €0.01m | €0.07m | €0.04m | ▼ 37.7% |
| Profit (loss) for the period9904 | €0.06m | €0.05m | €0.7m | €1.1m | -€0.008m | €0.06m | €0.1m | €0.09m | ▼ 33.2% |
| Profit (loss) for the period to be appropriated9905 | €0.06m | €0.05m | €0.7m | €1.1m | -€0.008m | €0.06m | €0.1m | €0.09m | ▼ 33.2% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €38.1m | €45.1m | €45.9m | €40.0m | €39.9m | €39.8m | €40.0m | €39.1m | ▼ 2.4% |
| Fixed assets21/28 | €30.0m | €30.0m | €40.0m | €34.0m | €34.0m | €34.0m | €34.0m | €34.0m | = |
| Financial fixed assets28 | €30.0m | €30.0m | €40.0m | €34.0m | €34.0m | €34.0m | €34.0m | €34.0m | = |
| Current assets29/58 | €8.1m | €15.0m | €5.9m | €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 | €1.3m | €0.1m | €0.09m | €0.6m | €0.6m | €0.7m | €0.4m | €0.6m | ▲ 37.2% |
| Trade receivables40 | - | - | - | €0.01m | €0.01m | €0.01m | €0.02m | €0.02m | ▲ 6.7% |
| Other amounts receivable41 | - | - | - | €0.6m | €0.6m | €0.7m | €0.4m | €0.6m | ▲ 38.3% |
| Current investments50/53 | - | - | - | - | - | - | €2.0m | - | - |
| Cash at bank and in hand54/58 | €1.9m | €1.7m | €2.3m | €1.9m | €2.0m | €1.9m | €0.3m | €1.2m | ▲ 309% |
| Deferred charges and accrued income490/1 | - | - | - | €213 | €230 | - | €0.005m | - | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €38.1m | €45.1m | €45.9m | €40.0m | €39.9m | €39.8m | €40.0m | €39.1m | ▼ 2.4% |
| Equity10/15 | €37.9m | €37.9m | €38.7m | €39.8m | €39.8m | €39.8m | €40.0m | €39.0m | ▼ 2.3% |
| Contributions10/11 | €0.02m | €0.02m | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | €37.9m | €37.9m | €38.6m | €39.8m | €39.7m | €39.8m | €39.9m | €39.0m | ▼ 2.3% |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Distributable reserves133 | - | - | - | €39.8m | €39.7m | €39.8m | €39.9m | €39.0m | ▼ 2.3% |
| Amounts payable17/49 | €0.2m | €7.2m | €7.3m | €0.2m | €0.1m | €0.03m | €0.08m | €0.03m | ▼ 67.1% |
| Amounts payable after more than one year17 | - | €7.1m | €7.1m | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €0.2m | €0.07m | €0.2m | €0.2m | €0.1m | €0.03m | €0.08m | €0.03m | ▼ 67.1% |
| Trade debts44 | €0.001m | €362 | €340 | €0.001m | €126 | €161 | €0.003m | €0.004m | ▲ 66.2% |
| Suppliers440/4 | - | - | - | €0.001m | €126 | €161 | €0.003m | €0.004m | ▲ 66.2% |
| Taxes, remuneration and social security45 | - | - | - | €0.2m | €0.1m | €0.03m | €0.07m | €0.02m | ▼ 71.7% |
| Taxes450/3 | - | - | - | €0.2m | €0.1m | €0.02m | €0.06m | €0.01m | ▼ 83.0% |
| Remuneration and social security454/9 | - | - | - | €0.009m | €0.01m | €0.01m | €0.01m | €0.01m | ▼ 1.0% |
| Accrued charges and deferred income492/3 | - | - | - | €332 | €13 | - | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.06m | €0.05m | €0.7m | €1.1m | -€0.008m | €0.06m | €0.1m | €0.09m | ▼ 33.2% |
| Operating cash flow (approximation) | €0.06m | €0.05m | €0.7m | €1.1m | -€0.008m | €0.06m | €0.1m | €0.09m | ▼ 33.2% |
| Investment in fixed assets (approximation) | - | €0 | -€10.0m | €6.0m | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€0.2m | €0.7m | -€0.4m | €0.1m | -€0.1m | -€1.6m | €0.9m | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (10)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 22-07-2026 | 2026-00324840 |
| 31-12-2024 | abbreviated format | 14-08-2025 | 2025-00375524 |
| 31-12-2023 | abbreviated format | 31-07-2024 | 2024-00311333 |
| 31-12-2022 | abbreviated format | 25-07-2023 | 2023-00271488 |
| 31-12-2021 | abbreviated format | 29-07-2022 | 2022-20243022 |
| 31-12-2020 | abbreviated format | 29-07-2021 | 2021-42700035 |
| 31-12-2019 | abbreviated format | 27-07-2020 | 2020-33900211 |
| 31-12-2018 | abbreviated format | 18-07-2019 | 2019-33900519 |
| 31-12-2017 | abbreviated format | 12-07-2018 | 2018-32100339 |
| 31-12-2016 | abbreviated format | 03-11-2017 | 2017-68900089 |
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Of the 53 active companies whose main activity is financial service activities, except insurance and pension funding (NACE 64929), figures are known for 39. 12 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.