Summary
EMVECO 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 €284,209 and a net result of €280,914. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 89% of 8074 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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 check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. 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 18-03-2026, 135 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
135 d early
2024
34 d early
2023
15 d early
2022
26 d early
2021
16 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 39 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€284,209▼ 16.7%
2024 · €341,295
Net result
€280,914▼ 15.9%
2024 · €333,899
Total assets
€312,176▼ 11.9%
2024 · €354,496
Solvency
91.0%▼ 5.2pp
2024 · 96.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€200,914-€288,301▲ 43.5%€264,747▼ 8.2%€431,173▲ 62.9%€366,823▼ 14.9%
Net result€154,182above the sector's middle half-€219,684above the sector's middle half▲ 42.5%€205,530above the sector's middle half▼ 6.4%€333,899above the sector's middle half▲ 62.5%€280,914above the sector's middle half▼ 15.9%
Equity€157,182within the sector's middle half-€376,866within the sector's middle half▲ 140%€582,396above the sector's middle half▲ 54.5%€341,295within the sector's middle half▼ 41.4%€284,209within the sector's middle half▼ 16.7%
Total assets€213,955within the sector's middle half-€542,936within the sector's middle half▲ 154%€764,574within the sector's middle half▲ 40.8%€354,496within the sector's middle half▼ 53.6%€312,176within the sector's middle half▼ 11.9%
Debt€56,773-€166,070▲ 193%€182,177▲ 9.7%€13,201▼ 92.8%€27,967▲ 112%
Working capital€91,380-€325,230▲ 256%€544,201▲ 67.3%€318,110▼ 41.5%€275,440▼ 13.4%
Solvency73.5%within the sector's middle half-69.4%within the sector's middle half▼ 4.1pp76.2%within the sector's middle half▲ 6.8pp96.3%above the sector's middle half▲ 20.1pp91.0%above the sector's middle half▼ 5.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €312,176
Fixed assets
€8,769 ▼ 62.2%
Current assets
€303,406 ▼ 8.4%
Equity and liabilities €312,176
Equity
€284,209 ▼ 16.7%
Debt
€27,967 ▲ 112%
Debt's share of the balance-sheet total rises from 3.7% to 9.0%. Equity is lower and debt is higher.
Key figures and ratios
ROE
98.8%▲
2024 · 97.8%
ROA
90.0%▼
2024 · 94.2%
Debt ≤ 1 year
€27,967▲
2024 · €13,201
Income taxes
€88,913▼
2024 · €107,030
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,563 | €15,054 | €15,054 | €15,010 | €14,416 | ▼ 4.0% |
| Other operating charges640/8 | €1,001 | €686 | €792 | €758 | €781 | ▲ 3.1% |
| Gross operating margin9900 | €214,478 | €304,040 | €280,593 | €446,941 | €382,020 | ▼ 14.5% |
| Operating profit (loss)9901 | €200,914 | €288,301 | €264,747 | €431,173 | €366,823 | ▼ 14.9% |
| Financial income75/76B | - | €100 | €4,999 | €10,376 | €3,613 | ▼ 65.2% |
| Recurring financial income75 | - | €100 | €4,999 | €10,376 | €3,613 | ▼ 65.2% |
| Financial charges65/66B | €552 | €326 | €546 | €620 | €609 | ▼ 1.7% |
| Recurring financial charges65 | €552 | €326 | €546 | €620 | €609 | ▼ 1.7% |
| Profit (loss) for the period before taxes9903 | €200,362 | €288,075 | €269,200 | €440,929 | €369,827 | ▼ 16.1% |
| Income taxes67/77 | €46,180 | €68,391 | €63,670 | €107,030 | €88,913 | ▼ 16.9% |
| Profit (loss) for the period9904 | €154,182 | €219,684 | €205,530 | €333,899 | €280,914 | ▼ 15.9% |
| Profit (loss) for the period to be appropriated9905 | €154,182 | €219,684 | €205,530 | €333,899 | €280,914 | ▼ 15.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €213,955 | €542,936 | €764,574 | €354,496 | €312,176 | ▼ 11.9% |
| Fixed assets21/28 | €65,802 | €51,748 | €38,195 | €23,185 | €8,769 | ▼ 62.2% |
| Tangible fixed assets22/27 | €63,302 | €48,248 | €33,195 | €18,185 | €3,769 | ▼ 79.3% |
| Plant, machinery and equipment23 | €1,870 | €1,232 | €594 | €0 | - | - |
| Furniture and vehicles24 | €61,432 | €47,017 | €32,601 | €18,185 | €3,769 | ▼ 79.3% |
| Financial fixed assets28 | €2,500 | €3,500 | €5,000 | €5,000 | €5,000 | = |
| Current assets29/58 | €148,153 | €491,188 | €726,379 | €331,311 | €303,406 | ▼ 8.4% |
| Amounts receivable after more than one year29 | - | - | €375,000 | €200,000 | €100,000 | ▼ 50.0% |
| Other amounts receivable291 | - | - | €375,000 | €200,000 | €100,000 | ▼ 50.0% |
| Amounts receivable within one year40/41 | €26,620 | €69,487 | €70,001 | €33,284 | €40,187 | ▲ 20.7% |
| Trade receivables40 | €26,620 | €69,487 | €70,001 | €33,275 | €34,283 | ▲ 3.0% |
| Other amounts receivable41 | - | - | - | €9 | €5,904 | ▲ 66,013% |
| Current investments50/53 | - | €39,890 | €249,890 | €64,890 | €99,890 | ▲ 53.9% |
| Cash at bank and in hand54/58 | €121,031 | €381,316 | €18,984 | €9,329 | €36,336 | ▲ 290% |
| Deferred charges and accrued income490/1 | €502 | €495 | €12,504 | €23,809 | €26,993 | ▲ 13.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €213,955 | €542,936 | €764,574 | €354,496 | €312,176 | ▼ 11.9% |
| Equity10/15 | €157,182 | €376,866 | €582,396 | €341,295 | €284,209 | ▼ 16.7% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €154,182 | €373,866 | €579,396 | €338,295 | €281,209 | ▼ 16.9% |
| Distributable reserves133 | €154,182 | €373,866 | €579,396 | €338,295 | €281,209 | ▼ 16.9% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €56,773 | €166,070 | €182,177 | €13,201 | €27,967 | ▲ 112% |
| Amounts payable within one year42/48 | €56,773 | €165,958 | €182,177 | €13,201 | €27,967 | ▲ 112% |
| Trade debts44 | - | €437 | €365 | €322 | €2,745 | ▲ 753% |
| Suppliers440/4 | - | €437 | €365 | €322 | €2,745 | ▲ 753% |
| Taxes, remuneration and social security45 | €50,773 | €159,359 | €175,300 | €5,894 | €17,790 | ▲ 202% |
| Taxes450/3 | €50,773 | €126,515 | €143,698 | €5,894 | €17,790 | ▲ 202% |
| Remuneration and social security454/9 | - | €32,844 | €31,602 | €0 | - | - |
| Other amounts payable47/48 | €6,000 | €6,161 | €6,513 | €6,985 | €7,431 | ▲ 6.4% |
| Accrued charges and deferred income492/3 | - | €112 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €154,182 | €219,684 | €205,530 | €333,899 | €280,914 | ▼ 15.9% |
| + Depreciation and write-downs630 | €12,563 | €15,054 | €15,054 | €15,010 | €14,416 | ▼ 4.0% |
| Operating cash flow (approximation) | €166,746 | €234,738 | €220,584 | €348,909 | €295,329 | ▼ 15.4% |
| Investment in fixed assets (approximation) | - | -€1,000 | -€1,500 | €0 | €0 | - |
| Change in cash | - | €260,285 | -€362,332 | -€9,655 | €27,007 | ▲ 380% |
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
24-08
State Gazette act
General meeting · Director resignation
Permanent representative · Other statement
18-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €333,899 ▲62.5%
Operating result €431,173, net result €333,899, both a record.
31-12
Financial
Liquidity times 6current ratio 25.10
Current ratio from 3.99 to 25.10; short-term debt falls from €182,177 to €13,201.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500,000Eq €582,396 ▲54.5%
3 profitable years in a row build equity to €582,396.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200,000Eq €376,866 ▲140%
2 profitable years in a row build equity to €376,866.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
24-03
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
11-02
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
11-02
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Oostkamp · 1 establishment unit since 2020
Ground area
1,314 m²
Building footprint
159 m²
Volume, LiDAR
1,053 m³
Parcel 31037A0110/00N000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
EMVECO
since 20202.311.361.926
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31037A0110/00N000 | Flanders | 1,314 m² | 1 · 159 m² | 8.6 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.
Structure & network
Connections & network
The group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
1 location
Recognitions · licences · registrations
Legal Entity Identifier
699400NDZZ429Z7BLV34
Similar companies · same sector, comparable size
Riba Management
BE 0475.821.721
Genk · Eq €284,151
CK Invest Group
BE 0737.833.171
Genk · Eq €283,920
GOVAERTS PRINTING
BE 0832.134.987
Brugge · Eq €283,862
GEEBELEN PROJECTS
BE 0688.518.470
Hasselt · Eq €283,806
Nigra Ovium
BE 1001.400.086
Zonhoven · Eq €283,786
Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,749 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
Founded22-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
73300Public relations and communication consultancy
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0760428530
Also
9925:BE0760428530
Registered
27-05-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.