ERMIS
ActiveERMIS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €216k and a net result of €137k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency90▼-10
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 4.43 in 2024; short-term debt: 32.6% and cash: 61.5% of total assets), and 34.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
65.3%
Return on assets
41.6%
Age of the figures
9 mo
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 20-07-2026, 11 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
11 d early
2024
108 d early
2023
26 d early
2022
16 d late
2021
23 d late
2020
23 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€216k▼ 16.8%
2024 · €260k
2020: €204k
2021: €165k
2022: €267k
2023: €385k
2024: €260k
2020 → 2025
Total assets
€331k▼ 0.8%
2024 · €334k
2020: €249k
2021: €197k
2022: €279k
2023: €442k
2024: €334k
2020 → 2025
Net result
€137k▲ 86.6%
2024 · €74k
2020: €199k
2021: €-40k
2022: €102k
2023: €118k
2024: €74k
2020 → 2025
Working capital
€155k▼ 15.8%
2024 · €185k
2020: €134k
2021: €124k
2022: €239k
2023: €294k
2024: €185k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€165k-€267k▲ 62.3%€385k▲ 44.3%€260k▼ 32.5%€216k▼ 16.8%
Operating result€-39k-€119k€153k▲ 29.4%€95k▼ 38.2%€183k▲ 93.0%
Net result€-40k-€102k€118k▲ 15.4%€74k▼ 37.7%€137k▲ 86.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 93% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €331k
Fixed assets
€68k▼ 29.0%
Current assets
€263k▲ 10.4%
Equity and liabilities €331k
Equity
€216k▼ 16.8%
Debt
€115k▲ 55.4%
The debt ratio rises from 22.1% to 34.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€211k▲
2024 · €125k
Cash flow
€166k▲
2024 · €104k
Solvency
65.3%▼
2024 · 77.9%
Current ratio
2.44▼
2024 · 4.43
Quick ratio
2.44▼
2024 · 4.43
Debt / equity
0.53▲
2024 · 0.28
ROE
63.6%▲
2024 · 28.4%
ROA
41.6%▲
2024 · 22.1%
Interest coverage
100.70▲
2024 · 57.56
Debt
€115k▲
2024 · €74k
Debt ≤ 1 year
€108k▲
2024 · €54k
Debt > 1 year
€7k▼
2024 · €20k
Income taxes
€44k▲
2024 · €21k
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€334k€331k▼
Fixed assets21/28€95k€68k▼
Tangible fixed assets22/27€95k€68k▼
Plant, machinery and equipment23€1k€678▼
Furniture and vehicles24€94k€66k▼
Other tangible fixed assets26-€588
Current assets29/58€238k€263k▲
Amounts receivable within one year40/41€89k€57k▼
Trade receivables40€85k€52k▼
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€147k€204k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€334k€331k▼
Equity10/15€260k€216k▼
Contributions10/11€5k€5k=
Reserves13€255k€211k▼
Distributable reserves133€255k€211k▼
Amounts payable17/49€74k€115k▲
Amounts payable after more than one year17€20k€7k▼
Financial debts170/4€20k€7k▼
Amounts payable within one year42/48€54k€108k▲
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€18k€32▼
Suppliers440/4€18k€32▼
Taxes, remuneration and social security45€17k€70k▲
Taxes450/3€17k€70k▲
Other amounts payable47/48€6k€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€28k▼
Other operating charges640/8€743€2k▲
Gross operating margin9900€126k€213k▲
Operating profit (loss)9901€95k€183k▲
Financial income75/76B€2k€94▼
Recurring financial income75€2k€94▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€94k€181k▲
Income taxes67/77€21k€44k▲
Profit (loss) for the period9904€74k€137k▲
Profit (loss) for the period to be appropriated9905€74k€137k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€137k▲
Transfer from equity791/2€199k€181k▼
Transfer to equity691/2€74k€137k▲
To other reserves6921€74k€137k▲
Profit to be distributed694/7€199k€181k▼
Return on contributions (dividend)694€199k€181k▼
The notes to these accounts (8 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Back to profitnet €102k
Net result €102k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 20.83
Current ratio from 4.79 to 20.83; short-term debt falls from €33k to €12k.
31-12
Financial
Equity above €200kEq €267k ▲62.3%
Equity rises from €165k to €267k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Weakest financial yearnet €-40k ▼120%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Dilbeek · 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.
Sint-Antoniuslaan 641700 DilbeekGround area
659 m²
Building footprint
241 m²
Volume, LiDAR
2,836 m³
Parcel 23016D0238/00Z000, Flanders · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ERMIS
since 20192.296.977.915
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016D0238/00Z000 | Flanders | 659 m² | 1 · 241 m² | 15.1 m · 4 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 13,425 companies in sector 73300 we hold annual accounts for 6,900. 5,141 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2019
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:t.delforge@hotmail.com
Phone:0476632187