EMVE 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 €9k and a net result of €-42k. Equity is shrinking by ~56% per year across the filed fiscal years. Its solvency ranks better than 13% of 8018 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 8018 sector peers (2025).
NBB · sector comparisonPosition among 8018 sector peers
Solvency
better than 13%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
14 d early
2024
9 d early
2023
47 d early
2022
60 d early
2021
45 d early
2020
27 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▼ 82.7%
2024 · €50k
2020: €531k
2021: €528k
2022: €529k
2023: €90k
2024: €50k
2020 → 2025
Net result
€-42k▼ 4.3%
2024 · €-40k
2020: €12k
2021: €-3k
2022: €539
2023: €-438k
2024: €-40k
2020 → 2025
Total assets
€137k▼ 14.2%
2024 · €160k
2020: €668k
2021: €680k
2022: €626k
2023: €178k
2024: €160k
2020 → 2025
Solvency
6.3%▼ 25.1pp
2024 · 31.4%
2020: 79.5%
2021: 77.6%
2022: 84.5%
2023: 50.8%
2024: 31.4%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€528k-€529k▲ 0.1%€90k▼ 82.9%€50k▼ 44.2%€9k▼ 82.7%
Operating result€-10k-€-5k▲ 54.1%€-439k▼ 9,576%€-41k▲ 90.7%€-41k▼ 0.4%
Net result€-3k-€539€-438k€-40k▲ 90.9%€-42k▼ 4.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €41k in 2025 against €41k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €137k
Fixed assets
€117k▼ 1.2%
Current assets
€21k▼ 50.4%
Equity and liabilities €137k
Equity
€9k▼ 82.7%
Debt
€129k▲ 17.2%
The debt ratio rises from 68.6% to 93.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
6.3%▼
2024 · 31.4%
ROE
-476.8%▼
2024 · -79.2%
ROA
-30.3%▼
2024 · -24.9%
Debt
€129k▲
2024 · €110k
Debt ≤ 1 year
€128k▲
2024 · €101k
Debt > 1 year
€686▼
2024 · €9k
Income taxes
€189▼
2024 · €208
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€160k€137k▼
Fixed assets21/28€118k€117k▼
Tangible fixed assets22/27€118k€117k▼
Land and buildings22€30k€44k▲
Plant, machinery and equipment23€20k€18k▼
Furniture and vehicles24€68k€54k▼
Current assets29/58€42k€21k▼
Amounts receivable within one year40/41€23k€12k▼
Trade receivables40€731€0▼
Other amounts receivable41€22k€12k▼
Cash at bank and in hand54/58€6k€0▼
Deferred charges and accrued income490/1€13k€9k▼
Equity and liabilities
Total equity and liabilities10/49€160k€137k▼
Equity10/15€50k€9k▼
Contributions10/11€17k€17k=
Reserves13€514k€514k=
Tax-exempt reserves132€28k€28k=
Distributable reserves133€486k€486k=
Profit (loss) carried forward14€-481k€-523k▼
Amounts payable17/49€110k€129k▲
Amounts payable after more than one year17€9k€686▼
Financial debts170/4€9k€686▼
Amounts payable within one year42/48€101k€128k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Financial debts43-€349
Credit institutions430/8-€349
Trade debts44€760€655▼
Suppliers440/4€760€655▼
Taxes, remuneration and social security45€436€189▼
Taxes450/3€436€189▼
Other amounts payable47/48€91k€119k▲
Accrued charges and deferred income492/3€387€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€25k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-396k€0▲
Other operating charges640/8€397k€893▼
Non-recurring operating charges66A-€118
Gross operating margin9900€-26k€-15k▲
Operating profit (loss)9901€-41k€-41k▼
Financial income75/76B€2k€0▼
Recurring financial income75€2k€0▼
Financial charges65/66B€315€275▼
Recurring financial charges65€315€275▼
Profit (loss) for the period before taxes9903€-40k€-41k▼
Income taxes67/77€208€189▼
Profit (loss) for the period9904€-40k€-42k▼
Profit (loss) for the period to be appropriated9905€-40k€-42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-481k€-523k▼
Profit (loss) brought forward from the previous period14P€-441k€-481k▼
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-438k ▼81415%
Net result drops to €-438k, the lowest in the series; recovery starts the following year.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €539
Net result €539 after one loss-making year.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lummen · 1 establishment unit since 2019
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.
Jantenstraat 233560 LummenGround area
1,602 m²
Building footprint
178 m²
Volume, LiDAR
814 m³
Parcel 71037A1527/00L000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
EMVE
since 20192.290.627.581
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037A1527/00L000 | Flanders | 1,602 m² | 1 · 178 m² | 7.4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 493 EUR awarded · 494 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 53 EUR |
| 2024 | 1 | 315 EUR | 263 EUR |
| 2022 | 1 | 178 EUR | 178 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900SRQZXO41QNC314
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 4,634 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:marcel.vandezande@telenet.be