EMROJ
ActiveEMROJ 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 €434k and a net result of €79k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 2410 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. 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 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
27 d late
2023
3 d late
2022
7 d early
2021
52 d early
2020
9 d early
2019
123 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€434k▲ 5.2%
2024 · €412k
2018: €256k
2019: €314k
2020: €339k
2021: €307k
2022: €329k
2023: €388k
2024: €412k
2018 → 2025
Net result
€79k▲ 0.8%
2024 · €78k
2018: €54k
2019: €57k
2020: €63k
2021: €52k
2022: €61k
2023: €93k
2024: €78k
2018 → 2025
Total assets
€454k▲ 1.2%
2024 · €448k
2018: €268k
2019: €319k
2020: €355k
2021: €317k
2022: €335k
2023: €403k
2024: €448k
2018 → 2025
Solvency
95.5%▲ 3.6pp
2024 · 91.9%
2018: 95.7%
2019: 98.2%
2020: 95.5%
2021: 96.7%
2022: 98.0%
2023: 96.0%
2024: 91.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€307k-€329k▲ 7.2%€388k▲ 17.8%€412k▲ 6.3%€434k▲ 5.2%
Operating result€74k-€86k▲ 15.7%€134k▲ 55.8%€107k▼ 19.6%€107k▼ 0.7%
Net result€52k-€61k▲ 17.2%€93k▲ 53.9%€78k▼ 16.3%€79k▲ 0.8%
Turnover and EBIT margin not published: the 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 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €454k
Fixed assets
€188k▼ 0.7%
Current assets
€266k▲ 2.6%
Equity and liabilities €454k
Equity
€434k▲ 5.2%
Debt
€20k▼ 44.1%
The debt ratio falls from 8.1% to 4.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
95.5%▲
2024 · 91.9%
ROE
18.2%▼
2024 · 18.9%
ROA
17.3%▼
2024 · 17.4%
Debt
€20k▼
2024 · €36k
Debt ≤ 1 year
€20k▼
2024 · €36k
Income taxes
€32k▼
2024 · €33k
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€448k€454k▲
Fixed assets21/28€189k€188k▼
Tangible fixed assets22/27€189k€188k▼
Land and buildings22€88k€85k▼
Furniture and vehicles24€101k€102k▲
Financial fixed assets28-€50
Current assets29/58€259k€266k▲
Amounts receivable within one year40/41€7k€2k▼
Other amounts receivable41€7k€2k▼
Current investments50/53€100k€50k▼
Cash at bank and in hand54/58€151k€214k▲
Deferred charges and accrued income490/1€658€365▼
Equity and liabilities
Total equity and liabilities10/49€448k€454k▲
Equity10/15€412k€434k▲
Contributions10/11€6k€6k=
Reserves13€406k€427k▲
Distributable reserves133€406k€427k▲
Amounts payable17/49€36k€20k▼
Amounts payable within one year42/48€36k€20k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€19k€319▼
Taxes450/3€19k€319▼
Other amounts payable47/48€15k€16k▲
Income statement
Code20242025
Non-recurring operating income76A€10k€5k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€33k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€131k€141k▲
Operating profit (loss)9901€107k€107k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€108€72▼
Recurring financial charges65€108€72▼
Profit (loss) for the period before taxes9903€111k€110k▼
Income taxes67/77€33k€32k▼
Profit (loss) for the period9904€78k€79k▲
Profit (loss) for the period to be appropriated9905€78k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€78k€79k▲
Transfer from equity791/2€54k€57k▲
Transfer to equity691/2€78k€79k▲
To other reserves6921€78k€79k▲
Profit to be distributed694/7€54k€57k▲
Return on contributions (dividend)694€54k€57k▲
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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
03-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 3 days late
2023
31-12
Financial
Highest result since 2018net €93k ▲53.9%
Operating result €134k, net result €93k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €52k ▼18.2%
Net result drops to €52k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 43.51
Current ratio from 20.07 to 43.51; short-term debt falls from €11k to €6k.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
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
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, Lievegem · 2 establishment units since 2012
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.
Beukenpark 149930 LievegemGround area
5,448 m²
Building footprint
1,400 m²
Volume, LiDAR
15,920 m³
2 parcels, Flanders · tallest building 16.2 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
EMROJ
since 20122.215.107.836
Albert I laan 64V, 8620 Nieuwpoort
since 20212.323.189.590
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38402D0513/00G000 | Flanders | 4,756 m² | 1 · 1,268 m² | 16.2 m · 4 fl. |
| 44080A1002/00G000 | Flanders | 692 m² | 1 · 132 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 237 companies in sector 66290 we hold annual accounts for 146. 103 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-2012
Fiscal year end31-12
Activities, NACEBEL
66290Activities auxiliary to financial services and insurance activities
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.