Summary
ENBEMA 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 €1.4m and a net result of €341,231. Equity is growing by ~15.5% per year across the filed fiscal years. The company has been active since 2010 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 31-03-2025 was due by 31-10-2025 and was filed on 24-10-2025, 7 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
7 d early
2024
16 d early
2023
1 d early
2022
6 d early
2021
26 d early
2020
4 d early
2019
1 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 9 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 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 24 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, unclassified schema
Equity
€1.4m▲ 31.3%
2024 · €1.1m
Net result
€341,231▲ 110%
2024 · €162,725
Total assets
€1.6m▲ 20.8%
2024 · €1.3m
Solvency
88.3%▲ 7.1pp
2024 · 81.2%
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€175,239▼ 16.7%€151,758▼ 13.4%€176,340▲ 16.2%€236,760▲ 34.3%€490,634▲ 107%
Net result€130,443▼ 6.7%€106,051▼ 18.7%€112,663▲ 6.2%€162,725above the sector's middle half▲ 44.4%€341,231▲ 110%
Equity€707,739▲ 18.5%€813,790▲ 15.0%€926,452▲ 13.8%€1.1mabove the sector's middle half▲ 17.6%€1.4m▲ 31.3%
Total assets€749,008▲ 19.0%€1.3m▲ 77.1%€1.2m▼ 12.5%€1.3mabove the sector's middle half▲ 15.5%€1.6m▲ 20.8%
Debt€41,269▲ 29.3%€512,366▲ 1,142%€234,175▼ 54.3%€251,575▲ 7.4%€189,215▼ 24.8%
Working capital€545,021▲ 25.6%€158,629▼ 70.9%€426,079▲ 169%€149,973within the sector's middle half▼ 64.8%€449,446▲ 200%
Solvency94.5%▼ 0.4pp61.4%▼ 33.1pp79.8%▲ 18.5pp81.2%above the sector's middle half▲ 1.4pp88.3%▲ 7.1pp
Current ratio14.21▼ 0.391.31▼ 12.906.76▲ 5.452.06within the sector's middle half▼ 4.704.47▲ 2.41
Return on assets (ROA)17.4%▼ 4.8pp8.0%▼ 9.4pp9.7%▲ 1.7pp12.1%within the sector's middle half▲ 2.4pp21.1%▲ 8.9pp
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.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 107% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.6m
Fixed assets
€1.0m ▼ 0.8%
Current assets
€578,789 ▲ 98.7%
Equity and liabilities €1.6m
Equity
€1.4m ▲ 31.3%
Debt
€189,215 ▼ 24.8%
Debt's share of the balance-sheet total falls from 18.8% to 11.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
23.9%▲
2024 · 14.9%
Debt ≤ 1 year
€129,343▼
2024 · €141,291
Debt > 1 year
€59,760▼
2024 · €110,284
Income taxes
€153,377▲
2024 · €75,989
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €419 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €570 | - | €413 | €62,942 | €10,573 | ▼ 83.2% |
| Other operating charges640/8 | - | €356 | €348 | €2,449 | €968 | ▼ 60.5% |
| Gross operating margin9900 | €176,164 | €152,114 | €177,101 | €302,151 | €502,174 | ▲ 66.2% |
| Operating profit (loss)9901 | €175,239 | €151,758 | €176,340 | €236,760 | €490,634 | ▲ 107% |
| Financial income75/76B | - | €6,005 | - | €1,635 | €6,122 | ▲ 274% |
| Recurring financial income75 | €2,500 | €6,005 | - | €1,635 | €6,122 | ▲ 274% |
| Financial charges65/66B | - | €1,162 | €9,508 | -€319 | €2,148 | ▲ 774% |
| Recurring financial charges65 | €2,422 | €1,162 | €9,508 | -€319 | €2,148 | ▲ 774% |
| Profit (loss) for the period before taxes9903 | €175,317 | €156,601 | €166,833 | €238,714 | €494,608 | ▲ 107% |
| Income taxes67/77 | €44,874 | €50,550 | €54,170 | €75,989 | €153,377 | ▲ 102% |
| Profit (loss) for the period9904 | €130,443 | €106,051 | €112,663 | €162,725 | €341,231 | ▲ 110% |
| Profit (loss) for the period to be appropriated9905 | €130,443 | €106,051 | €112,663 | €162,725 | €341,231 | ▲ 110% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €749,008 | €1.3m | €1.2m | €1.3m | €1.6m | ▲ 20.8% |
| Fixed assets21/28 | €162,718 | €655,161 | €660,544 | €1.0m | €1.0m | ▼ 0.8% |
| Tangible fixed assets22/27 | - | - | €5,383 | €394,328 | €384,175 | ▼ 2.6% |
| Land and buildings22 | - | - | - | €390,104 | €381,110 | ▼ 2.3% |
| Furniture and vehicles24 | - | - | €5,383 | €4,224 | €3,065 | ▼ 27.4% |
| Financial fixed assets28 | €162,718 | €655,161 | €655,161 | €655,161 | €656,661 | ▲ 0.2% |
| Current assets29/58 | €586,290 | €670,995 | €500,083 | €291,264 | €578,789 | ▲ 98.7% |
| Amounts receivable after more than one year29 | - | - | €250,000 | - | - | - |
| Other amounts receivable291 | - | - | €250,000 | - | - | - |
| Amounts receivable within one year40/41 | €45,061 | €19,664 | €2,097 | €86,493 | - | - |
| Trade receivables40 | - | €14,520 | - | €75,746 | - | - |
| Other amounts receivable41 | - | €5,144 | €2,097 | €10,748 | - | - |
| Current investments50/53 | €147,674 | €149,765 | €193,535 | €196,399 | €521,082 | ▲ 165% |
| Cash at bank and in hand54/58 | €393,338 | €498,318 | €54,183 | €7,395 | €56,239 | ▲ 661% |
| Deferred charges and accrued income490/1 | - | €3,247 | €269 | €977 | €1,468 | ▲ 50.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €749,008 | €1.3m | €1.2m | €1.3m | €1.6m | ▲ 20.8% |
| Equity10/15 | €707,739 | €813,790 | €926,452 | €1.1m | €1.4m | ▲ 31.3% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €252,126 | €358,176 | €470,839 | €633,565 | €974,796 | ▲ 53.9% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €356,316 | €468,979 | €633,565 | €974,796 | ▲ 53.9% |
| Profit (loss) carried forward14 | €449,413 | €449,413 | €449,413 | €449,413 | €449,413 | = |
| Amounts payable17/49 | €41,269 | €512,366 | €234,175 | €251,575 | €189,215 | ▼ 24.8% |
| Amounts payable after more than one year17 | - | - | €160,170 | €110,284 | €59,760 | ▼ 45.8% |
| Financial debts170/4 | - | - | €160,170 | €110,284 | €59,760 | ▼ 45.8% |
| Amounts payable within one year42/48 | €41,269 | €512,366 | €74,005 | €141,291 | €129,343 | ▼ 8.5% |
| Current portion of amounts payable after more than one year42 | - | - | €49,257 | €49,886 | €50,524 | ▲ 1.3% |
| Trade debts44 | €195 | €183 | €267 | €60,063 | €1,248 | ▼ 97.9% |
| Suppliers440/4 | - | €183 | €267 | €60,063 | €1,248 | ▼ 97.9% |
| Taxes, remuneration and social security45 | - | €18,118 | €22,931 | €26,356 | €69,358 | ▲ 163% |
| Taxes450/3 | - | €18,118 | €22,931 | €26,356 | €69,358 | ▲ 163% |
| Other amounts payable47/48 | - | €494,065 | €1,549 | €4,987 | €8,214 | ▲ 64.7% |
| Accrued charges and deferred income492/3 | - | - | - | - | €112 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €130,443 | €106,051 | €112,663 | €162,725 | €341,231 | ▲ 110% |
| + Depreciation and write-downs630 | €570 | - | €413 | €62,942 | €10,573 | ▼ 83.2% |
| Operating cash flow (approximation) | €131,013 | €106,051 | €113,076 | €225,668 | €351,804 | ▲ 55.9% |
| Investment in fixed assets (approximation) | - | -€492,443 | -€5,796 | -€451,888 | -€1,919 | ▲ 99.6% |
| Change in cash | - | €104,981 | -€444,135 | -€46,788 | €48,844 | ▲ 204% |
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
2025
24-10
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
31-03
Financial
Highest result since 2019net €341,231 ▲110%
Operating result €490,634, net result €341,231, both a record.
31-03
Financial
Liquidity doublescurrent ratio 4.47
Current ratio from 2.06 to 4.47; short-term debt falls from €141,291 to €129,343.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
31-03
Financial
Equity above €1mEq €1.1m ▲17.6%
6 profitable years in a row build equity to €1.1m.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
31-03
Financial
Liquidity times 5current ratio 6.76
Current ratio from 1.31 to 6.76; short-term debt falls from €512,366 to €74,005.
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2021
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Equity above €500,000Eq €597,296 ▲30.6%
2 profitable years in a row build equity to €597,296.
Show earlier events
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Bütgenbach · 1 establishment unit since 2011
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.
Nidrum,Zum Steg 174750 Bütgenbach1 establishment unit
Nidrum,Zum Steg 17, 4750 Bütgenbach
since 20112.195.608.064
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-03-2025 list no shareholders, and no other source names one.
Holdings 1
- OTTO JOUCK ET FILS - OTTO JOUCK UND SOHNsubsidiarySourceown accounts 31-03-2025Equity €2.8mResult €580,69665%
According to the annual accounts to 31-03-2025 of ENBEMA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,800. 11,885 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
Founded28-12-2010
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0832944245
Registered
20-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.