EMVALEM
ActiveEMVALEM has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €288k and a net result of €117k. Its solvency ranks better than 56% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-23
Solvency64▲+1
Growth52
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.6 in 2024; short-term debt: 61% and cash: 18% of total assets), but 61% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
39%
Return on assets
15.9%
Age of the figures
9 mo
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 29-06-2026, 32 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
32 d early
2024
23 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.75M
EBIT margin
14.6%
Net result
€117k▼ 31.1%
2024 · €170k
2024: €170k
2024 → 2025
Working capital
€244k▲ 42.8%
2024 · €171k
2024: €171k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€1.75M-
Equity€171k-€288k▲ 68.6%
Operating result€255k-€171k▼ 32.8%
Net result€170k-€117k▼ 31.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €739k
Fixed assets
€44k
Current assets
€695k
Equity and liabilities €739k
Equity
€288k▲ 68.6%
Debt
€451k▲ 58.2%
The debt ratio falls from 62.5% to 61.0%. Equity and debt are higher.
Key figures and ratios
Solvency
39.0%▲
2024 · 37.5%
Current ratio
1.54▼
2024 · 1.60
Quick ratio
0.48▼
2024 · 1.60
Debt / equity
1.56▼
2024 · 1.67
ROE
40.7%▼
2024 · 99.6%
ROA
15.9%▼
2024 · 37.3%
Debt
€451k▲
2024 · €285k
Debt ≤ 1 year
€451k▲
2024 · €285k
Income taxes
€48k▼
2024 · €73k
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€456k€739k▲
Fixed assets21/28-€44k
Financial fixed assets28-€44k
Current assets29/58€456k€695k▲
Stocks and contracts in progress3-€478k
Stocks30/36-€478k
Amounts receivable within one year40/41€38k€82k▲
Trade receivables40€38k€80k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€418k€133k▼
Deferred charges and accrued income490/1€226€2k▲
Equity and liabilities
Total equity and liabilities10/49€456k€739k▲
Equity10/15€171k€288k▲
Contributions10/11€750€750=
Reserves13€170k€288k▲
Distributable reserves133€170k€288k▲
Amounts payable17/49€285k€451k▲
Amounts payable within one year42/48€285k€451k▲
Trade debts44€70k€116k▲
Suppliers440/4€70k€116k▲
Taxes, remuneration and social security45€35k€55k▲
Taxes450/3€35k€55k▲
Other amounts payable47/48€180k€280k▲
Income statement
Code20242025
Turnover70€1.75M-
Goods, raw materials, services and sundry goods60/61€1.49M-
Other operating charges640/8€2k€1k▼
Gross operating margin9900€257k€173k▼
Operating profit (loss)9901€255k€171k▼
Financial income75/76B€484€230▼
Recurring financial income75€484€230▼
Financial charges65/66B€13k€6k▼
Recurring financial charges65€13k€6k▼
Profit (loss) for the period before taxes9903€243k€165k▼
Income taxes67/77€73k€48k▼
Profit (loss) for the period9904€170k€117k▼
Profit (loss) for the period to be appropriated9905€170k€117k▼
Appropriation of the result
Profit (loss) to be appropriated9906€170k€117k▼
Transfer to equity691/2€170k€117k▼
To other reserves6921€170k€117k▼
The notes to these accounts (3 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €288k ▲68.6%
2 profitable years in a row build equity to €288k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated 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, Beernem · 1 establishment unit since 2023
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.
Nieuwendorpe 248730 BeernemGround area
914 m²
Building footprint
225 m²
Volume, LiDAR
377 m³
Parcel 31021B0342/00D000, Flanders · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
EMVALEM
since 20232.344.882.750
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31021B0342/00D000 | Flanders | 914 m² | 1 · 225 m² | 6.0 m · 1 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
Maison Cappelle - Degheele
BE 0400.607.129
Jodoigne · Eq €289k
Miroir45
BE 0667.997.923
Anderlecht · Eq €288k
LOGIKAM
BE 0534.542.848
Halen · Eq €288k
KV CONSULTANTS
BE 0875.094.804
Zaventem · Eq €289k
PGVI
BE 0632.835.621
Aalst · Eq €289k
Of 7,322 companies in sector 68110 we hold annual accounts for 5,382. 3,857 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2023
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.