EMV - INDUSTRIES
ActiveEMV - INDUSTRIES has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €306k and a net result of €-6k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 31% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▲+2
Solvency45=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.2 in 2024; short-term debt: 76.5% and cash: 0.9% of total assets), and 79.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-6k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
26 d late
2023
28 d late
2022
12 d early
2021
18 d late
2020
16 d early
2019
6 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-6k▲ 57.9%
2024 · €-13k
2018: €8k
2019: €356
2020: €14k
2021: €63k
2022: €61k
2023: €66k
2024: €-13k
2018 → 2025
Working capital
€252k▲ 9.2%
2024 · €230k
2018: €248k
2019: €240k
2020: €257k
2021: €274k
2022: €285k
2023: €243k
2024: €230k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€323k-€324k▲ 0.3%€325k▲ 0.4%€311k▼ 4.1%€306k▼ 1.8%
Operating result€97k-€101k▲ 4.9%€103k▲ 1.2%€32k▼ 68.6%€50k▲ 56.1%
Net result€63k-€61k▼ 3.9%€66k▲ 8.5%€-13k€-6k▲ 57.9%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 56% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.52M
Fixed assets
€106k▼ 28.3%
Current assets
€1.41M▲ 1.2%
Equity and liabilities €1.52M
Equity
€306k▼ 1.8%
Debt
€1.21M▼ 1.6%
The debt ratio stays at 79.9%.
Key figures and ratios
EBITDA
€92k▲
2024 · €75k
Cash flow
€36k▲
2024 · €30k
Solvency
20.1%▼
2024 · 20.2%
Current ratio
1.22▲
2024 · 1.20
Quick ratio
0.99▲
2024 · 0.94
Debt / equity
3.97▲
2024 · 3.96
ROE
-1.8%▲
2024 · -4.3%
ROA
-0.4%▲
2024 · -0.9%
Interest coverage
1.81▲
2024 · 1.60
Debt
€1.21M▼
2024 · €1.23M
Debt ≤ 1 year
€1.16M▼
2024 · €1.17M
Debt > 1 year
€42k▼
2024 · €64k
Income taxes
€5k▲
2024 · €280
Staff costs
€222k▼
2024 · €272k
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€1.55M€1.52M▼
Fixed assets21/28€147k€106k▼
Tangible fixed assets22/27€146k€104k▼
Land and buildings22€12k€8k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€132k€95k▼
Financial fixed assets28€2k€2k=
Current assets29/58€1.40M€1.41M▲
Stocks and contracts in progress3€299k€265k▼
Stocks30/36€283k€228k▼
Contracts in progress37€16k€37k▲
Amounts receivable within one year40/41€1.08M€1.13M▲
Trade receivables40€587k€565k▼
Other amounts receivable41€496k€568k▲
Cash at bank and in hand54/58€13k€13k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.55M€1.52M▼
Equity10/15€311k€306k▼
Contributions10/11€154k€154k=
Capital10€154k€154k=
Issued capital100€154k€154k=
Reserves13€157k€152k▼
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Distributable reserves133€142k€137k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€1.23M€1.21M▼
Amounts payable after more than one year17€64k€42k▼
Financial debts170/4€64k€42k▼
Amounts payable within one year42/48€1.17M€1.16M▼
Current portion of amounts payable after more than one year42€21k€22k▲
Trade debts44€102k€55k▼
Suppliers440/4€102k€55k▼
Taxes, remuneration and social security45€49k€56k▲
Taxes450/3€8k€22k▲
Remuneration and social security454/9€40k€34k▼
Other amounts payable47/48€996k€1.03M▲
Accrued charges and deferred income492/3€3k€10k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€272k€222k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€42k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-6k€-33k▼
Other operating charges640/8€40k€54k▲
Gross operating margin9900€381k€336k▼
Operating profit (loss)9901€32k€50k▲
Financial income75/76B€2k€113▼
Recurring financial income75€2k€113▼
Financial charges65/66B€47k€51k▲
Recurring financial charges65€47k€51k▲
Profit (loss) for the period before taxes9903€-13k€-542▲
Income taxes67/77€280€5k▲
Profit (loss) for the period9904€-13k€-6k▲
Profit (loss) for the period to be appropriated9905€-13k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-6k▲
Transfer from equity791/2€13k€6k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)90875.55.0▼
The notes to these accounts (12 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 27 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €-13k ▼120%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €66k ▲8.5%
Operating result €103k, net result €66k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
18-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 18 days late
2021
14-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
10-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Tournai · 1 establishment unit since 1989
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.
Rue du Serpolet (MAR) 87522 TournaiGround area
3,033 m²
Building footprint
1,454 m²
Volume, LiDAR
10,378 m³
Parcel 57050A0166/00H003, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EMV INDUSTRIES SA
since 19892.042.567.404
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57050A0166/00H003 | Wallonia | 3,033 m² | 1 · 1,454 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
AUGEM
BE 0812.708.560
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ELV
BE 0500.518.020
Beringen · Eq €306k
NABET PNEUS
BE 0428.427.818
Charleroi · Eq €305k
RASQUIN Pneus
BE 0420.834.795
Marche-en-Famenne · Eq €305k
Zenith Graphics Services
BE 0836.794.848
Sint-Agatha-Berchem · Eq €307k
Of 2,444 companies in sector 47820 we hold annual accounts for 777. 531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded13-01-1989
Fiscal year end31-12
Activities, NACEBEL
47820Retail sale of motor vehicle parts and accessories
46643Wholesale of electrical equipment, including installation materials
50302
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.