Summary
EMVICO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €2.7m and a net result of €552,046. Equity remains stable across the filed fiscal years (±1.9% per year). The company has been active since 2006 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.
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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 23-06-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
14 d early
2023
43 d early
2022
47 d early
2021
123 d early
2020
99 d early
2019
22 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 55 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. Usually files around 19 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, abbreviated schema, 2025 accounts filed, figures not processed yet
In the rankings
#3 company by equity in Zonnebeke, Finance and insurance sector#5 company by total assets in Zonnebeke, Finance and insurance sector
Equity
€2.7m▼ 11.9%
2023 · €3.1m
Net result
€552,046▲ 19.0%
2023 · €463,732
Total assets
€4.8m▼ 4.0%
2023 · €5.0m
Solvency
57.5%▼ 5.1pp
2023 · 62.6%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€897,221▼ 31.6%€91,417▼ 89.8%€611,748▲ 569%€556,945▼ 9.0%€668,488▲ 20.0%
Net result€691,944above the sector's middle half▼ 25.0%€146,663within the sector's middle half▼ 78.8%€483,869above the sector's middle half▲ 230%€463,732above the sector's middle half▼ 4.2%€552,046above the sector's middle half▲ 19.0%
Equity€3.6mabove the sector's middle half▲ 0.3%€3.2mabove the sector's middle half▼ 10.1%€3.5mabove the sector's middle half▲ 7.7%€3.1mabove the sector's middle half▼ 10.6%€2.7mabove the sector's middle half▼ 11.9%
Total assets€5.1mabove the sector's middle half▲ 11.2%€4.7mabove the sector's middle half▼ 6.4%€5.4mabove the sector's middle half▲ 13.5%€5.0mabove the sector's middle half▼ 7.4%€4.8mabove the sector's middle half▼ 4.0%
Debt€1.3m▲ 61.0%€1.4m▲ 2.9%€1.7m▲ 28.7%€1.7m▼ 1.5%€1.9m▲ 9.9%
Working capital€3.0mabove the sector's middle half▼ 0.9%€3.1mabove the sector's middle half▲ 3.6%€4.0mabove the sector's middle half▲ 28.5%€3.0mabove the sector's middle half▼ 24.9%€2.7mabove the sector's middle half▼ 8.8%
Solvency71.2%within the sector's middle half▼ 7.7pp68.4%within the sector's middle half▼ 2.8pp64.9%within the sector's middle half▼ 3.5pp62.6%within the sector's middle half▼ 2.3pp57.5%within the sector's middle half▼ 5.1pp
Current ratio3.68above the sector's middle half▼ 2.475.42above the sector's middle half▲ 1.749.62above the sector's middle half▲ 4.203.75above the sector's middle half▼ 5.883.30above the sector's middle half▼ 0.45
Return on assets (ROA)13.7%above the sector's middle half▼ 6.6pp3.1%within the sector's middle half▼ 10.6pp9.0%within the sector's middle half▲ 5.9pp9.3%within the sector's middle half▲ 0.3pp11.5%within the sector's middle half▲ 2.2pp
Staff (FTE)1within the sector's middle half1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=
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 abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 20% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.8m
Fixed assets
€845,834 ▼ 3.8%
Current assets
€3.9m ▼ 4.0%
Equity and liabilities €4.8m
Equity
€2.7m ▼ 11.9%
Provisions
€142,068 =
Debt
€1.9m ▲ 9.9%
Debt's share of the balance-sheet total rises from 34.5% to 39.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
20.1%▲
2023 · 14.9%
Debt ≤ 1 year
€1.2m▲
2023 · €1.1m
Debt > 1 year
€654,753▲
2023 · €584,690
Income taxes
€256,488▲
2023 · €213,925
Staff costs
€103,522▲
2023 · €98,539
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €86,901 | €98,539 | €103,522 | ▲ 5.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €34,124 | €34,645 | €36,671 | €33,599 | €33,820 | ▲ 0.7% |
| Other operating charges640/8 | - | - | €5,144 | €5,448 | €7,611 | ▲ 39.7% |
| Gross operating margin9900 | €1.0m | €212,346 | €740,464 | €694,530 | €813,442 | ▲ 17.1% |
| Operating profit (loss)9901 | €897,221 | €91,417 | €611,748 | €556,945 | €668,488 | ▲ 20.0% |
| Financial income75/76B | - | - | €138,035 | €167,389 | €189,765 | ▲ 13.4% |
| Recurring financial income75 | €120,825 | €140,979 | €138,035 | €167,389 | €189,765 | ▲ 13.4% |
| Financial charges65/66B | - | - | €42,123 | €46,676 | €49,720 | ▲ 6.5% |
| Recurring financial charges65 | €5,658 | €20,051 | €42,123 | €46,676 | €49,720 | ▲ 6.5% |
| Profit (loss) for the period before taxes9903 | €1.0m | €212,345 | €707,660 | €677,658 | €808,534 | ▲ 19.3% |
| Income taxes67/77 | €320,444 | €65,682 | €223,791 | €213,925 | €256,488 | ▲ 19.9% |
| Profit (loss) for the period9904 | €691,944 | €146,663 | €483,869 | €463,732 | €552,046 | ▲ 19.0% |
| Profit (loss) for the period to be appropriated9905 | €691,944 | €146,663 | €483,869 | €463,732 | €552,046 | ▲ 19.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.1m | €4.7m | €5.4m | €5.0m | €4.8m | ▼ 4.0% |
| Fixed assets21/28 | €933,364 | €918,361 | €908,956 | €879,654 | €845,834 | ▼ 3.8% |
| Tangible fixed assets22/27 | €933,364 | €918,361 | €908,956 | €879,654 | €845,834 | ▼ 3.8% |
| Land and buildings22 | - | - | €849,884 | €829,300 | €808,715 | ▼ 2.5% |
| Furniture and vehicles24 | - | - | €16,134 | €12,106 | €3,561 | ▼ 70.6% |
| Other tangible fixed assets26 | - | - | €42,939 | €38,248 | €33,558 | ▼ 12.3% |
| Current assets29/58 | €4.1m | €3.8m | €4.5m | €4.1m | €3.9m | ▼ 4.0% |
| Amounts receivable within one year40/41 | €4.1m | €3.7m | €3.3m | €2.6m | €1.8m | ▼ 32.8% |
| Trade receivables40 | - | - | €108 | €0 | - | - |
| Other amounts receivable41 | - | - | €3.3m | €2.6m | €1.8m | ▼ 32.8% |
| Current investments50/53 | - | - | €505,731 | €902,989 | €962,989 | ▲ 6.6% |
| Cash at bank and in hand54/58 | €9,513 | €142,106 | €641,839 | €585,619 | €1.2m | ▲ 108% |
| Deferred charges and accrued income490/1 | - | - | €1,148 | €1,948 | €3,577 | ▲ 83.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.1m | €4.7m | €5.4m | €5.0m | €4.8m | ▼ 4.0% |
| Equity10/15 | €3.6m | €3.2m | €3.5m | €3.1m | €2.7m | ▼ 11.9% |
| Contributions10/11 | - | - | €6,200 | €6,200 | €6,200 | = |
| Revaluation surpluses12 | - | - | €41,650 | €41,650 | €41,650 | = |
| Reserves13 | €3.6m | €3.2m | €3.4m | €3.1m | €2.7m | ▼ 12.1% |
| Non-distributable reserves130/1 | - | - | €1,860 | €1,860 | €0 | ▼ 100% |
| Reserves not available under the articles1311 | - | - | €1,860 | €1,860 | €0 | ▼ 100% |
| Distributable reserves133 | - | - | €3.4m | €3.1m | €2.7m | ▼ 12.0% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €142,068 | €142,068 | €142,068 | €142,068 | €142,068 | = |
| Provisions for liabilities and charges160/5 | - | - | €142,068 | €142,068 | €142,068 | = |
| Pensions and similar obligations160 | - | - | €142,068 | €142,068 | €142,068 | = |
| Amounts payable17/49 | €1.3m | €1.4m | €1.7m | €1.7m | €1.9m | ▲ 9.9% |
| Amounts payable after more than one year17 | €196,327 | €637,516 | €1.2m | €584,690 | €654,753 | ▲ 12.0% |
| Financial debts170/4 | - | - | €1.2m | €584,690 | €654,753 | ▲ 12.0% |
| Amounts payable within one year42/48 | €1.1m | €704,749 | €464,349 | €1.1m | €1.2m | ▲ 8.9% |
| Current portion of amounts payable after more than one year42 | - | - | €32,721 | €32,721 | €32,721 | = |
| Financial debts43 | - | - | €51,010 | €59,053 | €38,038 | ▼ 35.6% |
| Credit institutions430/8 | - | - | €51,010 | €59,053 | €38,038 | ▼ 35.6% |
| Trade debts44 | €2,823 | €7,950 | €8,523 | €2,287 | €4,533 | ▲ 98.2% |
| Suppliers440/4 | - | - | €8,523 | €2,287 | €4,533 | ▲ 98.2% |
| Taxes, remuneration and social security45 | - | - | €130,988 | €164,007 | €178,624 | ▲ 8.9% |
| Taxes450/3 | - | - | €114,196 | €142,794 | €161,079 | ▲ 12.8% |
| Remuneration and social security454/9 | - | - | €16,792 | €21,213 | €17,545 | ▼ 17.3% |
| Other amounts payable47/48 | - | - | €241,108 | €836,250 | €938,168 | ▲ 12.2% |
| Accrued charges and deferred income492/3 | - | - | €38,798 | €40,426 | €43,414 | ▲ 7.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €691,944 | €146,663 | €483,869 | €463,732 | €552,046 | ▲ 19.0% |
| + Depreciation and write-downs630 | €34,124 | €34,645 | €36,671 | €33,599 | €33,820 | ▲ 0.7% |
| Operating cash flow (approximation) | €726,068 | €181,308 | €520,540 | €497,331 | €585,866 | ▲ 17.8% |
| Investment in fixed assets (approximation) | - | -€19,642 | -€27,266 | -€4,297 | €0 | ▲ 100% |
| Change in cash | - | €132,594 | €499,733 | -€56,220 | €629,678 | ▲ 1,220% |
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
23-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
09-06
State Gazette act
General meeting · Director reappointment
Permanent representative · Director appointment
09-06
State Gazette act
General meeting · Director reappointment
Permanent representative · Board meeting
09-06
State Gazette act
General meeting · Director reappointment
Permanent representative · Director appointment
09-06
State Gazette act
General meeting · Director reappointment
Permanent representative · Board meeting
09-06
State Gazette act
General meeting · Director reappointment
Permanent representative · Director appointment
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €146,663 ▼78.8%
Net result drops to €146,663, the lowest in the series; recovery starts the following year.
23-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €922,838 ▲10.8%
Operating result €1.3m, net result €922,838, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Zonnebeke · 1 establishment unit since 2006
Ground area
634 m²
Building footprint
152 m²
Volume, LiDAR
831 m³
Parcel 33037C0039/00W002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EMVICO
since 20062.151.959.054
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33037C0039/00W002 | Flanders | 634 m² | 1 · 152 m² | 8.8 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
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Ownership & control
5 board mandatesBoard mandates of this companythis company sits on their board5
Subsidies and aid
Flemish government
2022 · 1 entry · 510 EUR awarded · 510 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 510 EUR | 510 EUR |
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Company details
Identification
Legal formPrivate limited company
Founded16-02-2006
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0879410710
Registered
28-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.