Emvie is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €404k and a net result of €-31k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 94% of 104 sector peers (fiscal year 2026). The company has been active since 2007 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 24-08-2026, 68 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
68 d early
2025
129 d early
2024
132 d early
2023
127 d early
2022
112 d early
2021
117 d early
2020
136 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€404k▼ 34.6%
2025 · €619k
2019: €375k
2020: €502k
2021: €635k
2022: €606k
2023: €676k
2024: €713k
2025: €619k
2019 → 2026
Net result
€-31k▼ 43.2%
2025 · €-22k
2019: €84k
2020: €207k
2021: €154k
2022: €126k
2023: €127k
2024: €105k
2025: €-22k
2019 → 2026
Total assets
€406k▼ 41.9%
2025 · €700k
2019: €509k
2020: €597k
2021: €676k
2022: €670k
2023: €738k
2024: €743k
2025: €700k
2019 → 2026
Solvency
99.6%▲ 11.1pp
2025 · 88.4%
2019: 73.7%
2020: 84.2%
2021: 93.9%
2022: 90.5%
2023: 91.5%
2024: 95.9%
2025: 88.4%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€606k-€676k▲ 11.5%€713k▲ 5.5%€619k▼ 13.2%€404k▼ 34.6%
Operating result€158k-€171k▲ 8.4%€134k▼ 21.6%€-21k€-92k▼ 330%
Net result€126k-€127k▲ 0.9%€105k▼ 17.2%€-22k€-31k▼ 43.2%
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 €92k in 2026 against €21k in 2025; the loss grows and 2026 has the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €406k
Fixed assets
€148k▼ 3.3%
Current assets
€258k▼ 52.8%
Equity and liabilities €406k
Equity
€404k▼ 34.6%
Debt
€2k▼ 97.8%
The debt ratio falls from 11.6% to 0.4%. Equity and debt are lower.
Key figures and ratios
Solvency
99.6%▲
2025 · 88.4%
ROE
-7.6%▼
2025 · -3.5%
ROA
-7.6%▼
2025 · -3.1%
Debt
€2k▼
2025 · €81k
Debt ≤ 1 year
€2k▼
2025 · €78k
Income taxes
€338▼
2025 · €455
A ratio outside any meaningful range has been withheld (balance sheet total €406k, equity €404k).
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€700k€406k▼
Fixed assets21/28€153k€148k▼
Tangible fixed assets22/27€153k€148k▼
Other tangible fixed assets26€153k€148k▼
Current assets29/58€546k€258k▼
Amounts receivable within one year40/41€14k€113k▲
Trade receivables40€0€91▲
Other amounts receivable41€14k€113k▲
Current investments50/53€529k€131k▼
Cash at bank and in hand54/58€4k€14k▲
Equity and liabilities
Total equity and liabilities10/49€700k€406k▼
Equity10/15€619k€404k▼
Contributions10/11€19k€19k=
Reserves13€621k€438k▼
Tax-exempt reserves132€2k€2k=
Distributable reserves133€620k€436k▼
Profit (loss) carried forward14€-22k€-52k▼
Amounts payable17/49€81k€2k▼
Amounts payable within one year42/48€78k€2k▼
Trade debts44€600€2k▲
Suppliers440/4€600€2k▲
Taxes, remuneration and social security45€1k€0▼
Taxes450/3€1k€0▼
Other amounts payable47/48€76k€0▼
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-14k€-86k▼
Operating profit (loss)9901€-21k€-92k▼
Financial income75/76B€4k€59k▲
Recurring financial income75€4k€59k▲
Financial charges65/66B€4k€-2k▼
Recurring financial charges65€4k€-2k▼
Profit (loss) for the period before taxes9903€-21k€-30k▼
Income taxes67/77€455€338▼
Profit (loss) for the period9904€-22k€-31k▼
Profit (loss) for the period to be appropriated9905€-22k€-31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-52k▼
Profit (loss) brought forward from the previous period14P-€-22k
Transfer from equity791/2€73k€183k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€73k€183k▲
Return on contributions (dividend)694€73k€183k▲
Directors or managers695€0-
The notes to these accounts (5 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 2027, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series.
31-03
Financial
Liquidity times 21current ratio 148.12
Current ratio from 7.02 to 148.12; short-term debt falls from €78k to €2k.
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 19.31
Current ratio from 9.20 to 19.31; short-term debt falls from €62k to €30k.
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 12.27
Current ratio from 4.50 to 12.27; short-term debt falls from €94k to €41k.
2020
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €207k ▲145%
Operating result €330k, net result €207k, both a record.
31-03
Financial
Equity above €500kEq €502k ▲34%
2 profitable years in a row build equity to €502k.
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Kasterlee · 1 establishment unit since 2007
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.
Hortensiadreef 72460 KasterleeGround area
1,637 m²
Building footprint
234 m²
Volume, LiDAR
1,263 m³
Parcel 13017G0040/00N002, Flanders · tallest building 16.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Emvie
since 20072.162.631.826
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017G0040/00N002 | Flanders | 1,637 m² | 1 · 234 m² | 16.5 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,737 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-2007
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.