EMSOFINA & C°
ActiveSummary
EMSOFINA & C° has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €407k and a net result of €62k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 51% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-10
Solvency83▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.95 against 1.74 in 2024; short-term debt: 42% and cash: 80.4% of total assets), and 42% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
58%
Return on assets
8.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-04-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
44 d early
2023
50 d early
2022
41 d early
2021
46 d early
2020
43 d early
2019
43 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Is this a good employer? Staff, turnover and training against the sector.Employer check
Financials · fiscal year 2025, micro schema
Equity
€407k▲ 18.1%
2024 · €344k
Total assets
€701k▲ 10.4%
2024 · €635k
Net result
€62k▼ 12.6%
2024 · €71k
Working capital
€280k▲ 30.0%
2024 · €215k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€70k▼ 15.4%€63k▼ 9.9%€98k▲ 55.1%€94k▼ 4.0%€94k▼ 0.1%
Net result€47k▼ 17.9%€34k▼ 26.5%€65k▲ 91.4%€71k▲ 9.2%€62k▼ 12.6%
Equity€314k▼ 6.3%€308k▼ 1.8%€319k▲ 3.4%€344k▲ 7.9%€407k▲ 18.1%
Total assets€528k▲ 9.3%€535k▲ 1.4%€563k▲ 5.1%€635k▲ 12.9%€701k▲ 10.4%
Debt€214k▲ 44.8%€227k▲ 6.2%€244k▲ 7.4%€291k▲ 19.3%€294k▲ 1.2%
Working capital€173k▼ 12.0%€162k▼ 6.8%€183k▲ 13.1%€215k▲ 17.7%€280k▲ 30.0%
Staff (FTE)0.5▼ 16.7%1▲ 100%1=1=1=
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 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €701k
Fixed assets
€127k ▼ 1.6%
Current assets
€574k ▲ 13.4%
Equity and liabilities €701k
Equity
€407k ▲ 18.1%
Debt
€294k ▲ 1.2%
Debt's share of the balance-sheet total falls from 45.8% to 42.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€100k▼
2024 · €101k
Cash flow
€69k▼
2024 · €79k
Current ratio
1.95▲
2024 · 1.74
Debt to equity
0.72▼
2024 · 0.84
ROE
15.3%▼
2024 · 20.8%
ROA
8.9%▼
2024 · 11.3%
Interest coverage
5.21▼
2024 · 9.02
Debt ≤ 1 year
€294k▲
2024 · €291k
Income taxes
€25k▼
2024 · €29k
Staff costs
€27k▲
2024 · €26k
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 | - | €25k | €25k | €26k | €27k | ▲ 7.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20k | €15k | €12k | €7k | €6k | ▼ 13.4% |
| Other operating charges640/8 | - | €8k | €2k | €3k | €4k | ▲ 73.1% |
| Gross operating margin9900 | €123k | €112k | €138k | €130k | €132k | ▲ 2.0% |
| Operating profit (loss)9901 | €70k | €63k | €98k | €94k | €94k | ▼ 0.1% |
| Financial income75/76B | - | €4 | €394 | €18k | €12k | ▼ 30.1% |
| Recurring financial income75 | €245 | €4 | €394 | €18k | €12k | ▼ 30.1% |
| Financial charges65/66B | - | €5k | €7k | €11k | €19k | ▲ 71.5% |
| Recurring financial charges65 | €5k | €5k | €7k | €11k | €19k | ▲ 71.5% |
| Profit (loss) for the period before taxes9903 | €66k | €58k | €92k | €101k | €87k | ▼ 13.3% |
| Income taxes67/77 | €20k | €24k | €26k | €29k | €25k | ▼ 14.9% |
| Profit (loss) for the period9904 | €47k | €34k | €65k | €71k | €62k | ▼ 12.6% |
| Transfer from tax-exempt reserves789 | - | €28k | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €47k | €62k | €65k | €71k | €62k | ▼ 12.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €528k | €535k | €563k | €635k | €701k | ▲ 10.4% |
| Fixed assets21/28 | €163k | €148k | €136k | €129k | €127k | ▼ 1.6% |
| Tangible fixed assets22/27 | €163k | €148k | €136k | €129k | €127k | ▼ 1.6% |
| Land and buildings22 | - | €141k | €135k | €129k | €123k | ▼ 4.7% |
| Furniture and vehicles24 | - | €7k | €1k | - | €4k | - |
| Financial fixed assets28 | €24 | €24 | €24 | €24 | €24 | = |
| Current assets29/58 | €364k | €387k | €426k | €506k | €574k | ▲ 13.4% |
| Amounts receivable within one year40/41 | €8k | €8k | €11k | €5k | €9k | ▲ 74.5% |
| Trade receivables40 | - | €8k | €11k | €5k | €9k | ▲ 74.5% |
| Cash at bank and in hand54/58 | €354k | €378k | €414k | €499k | €564k | ▲ 12.9% |
| Deferred charges and accrued income490/1 | - | €1k | €1k | €2k | €1k | ▼ 9.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €528k | €535k | €563k | €635k | €701k | ▲ 10.4% |
| Equity10/15 | €314k | €308k | €319k | €344k | €407k | ▲ 18.1% |
| Contributions10/11 | - | €25k | €25k | €25k | €25k | = |
| Reserves13 | €229k | €247k | €280k | €305k | €368k | ▲ 20.5% |
| Non-distributable reserves130/1 | - | €3k | €3k | - | - | - |
| Reserves not available under the articles1311 | - | €3k | €3k | - | - | - |
| Distributable reserves133 | - | €245k | €277k | €305k | €368k | ▲ 20.5% |
| Profit (loss) carried forward14 | €60k | €36k | €14k | €14k | €14k | = |
| Amounts payable17/49 | €214k | €227k | €244k | €291k | €294k | ▲ 1.2% |
| Amounts payable after more than one year17 | €17k | €2k | - | - | - | - |
| Financial debts170/4 | - | €2k | - | - | - | - |
| Amounts payable within one year42/48 | €191k | €225k | €244k | €291k | €294k | ▲ 1.2% |
| Current portion of amounts payable after more than one year42 | - | €15k | €2k | - | - | - |
| Trade debts44 | €6k | €9k | €7k | €7k | €3k | ▼ 59.3% |
| Suppliers440/4 | - | €9k | €7k | €7k | €3k | ▼ 59.3% |
| Taxes, remuneration and social security45 | - | €23k | €25k | €24k | €30k | ▲ 27.1% |
| Taxes450/3 | - | €20k | €22k | €21k | €23k | ▲ 9.7% |
| Remuneration and social security454/9 | - | €3k | €3k | €3k | €7k | ▲ 154% |
| Other amounts payable47/48 | - | €178k | €211k | €260k | €261k | ▲ 0.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €47k | €34k | €65k | €71k | €62k | ▼ 12.6% |
| + Depreciation and write-downs630 | €20k | €15k | €12k | €7k | €6k | ▼ 13.4% |
| Operating cash flow (approximation) | €67k | €49k | €78k | €79k | €69k | ▼ 12.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €-4k | - |
| Change in cash | - | €24k | €36k | €85k | €64k | ▼ 24.7% |
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
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €71k ▲9.2%
Net result €71k, the highest in the series.
11-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Erpe-Mere · 1 establishment unit since 2000
Ground area
969 m²
Building footprint
159 m²
Volume, LiDAR
886 m³
Parcel 41015B0210/00C000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kouterstraat 50, 9420 Erpe-Mere
since 20002.228.838.482
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41015B0210/00C000 | Flanders | 969 m² | 1 · 159 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,744 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-12-2000
Fiscal year end30-09
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Contact
E-mail
filip@emsofina.be
Phone
053/73 55 90
Scores and ratios are computed by Checked and are not a credit decision.