HOLTAPPELS EMILE
ActiveSummary
HOLTAPPELS EMILE has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €859k and a net result of €7k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 84% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
81
/ 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
Profitability70▲+2
Solvency100▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 1.84 in 2024; short-term debt: 21.8% and cash: 10.1% of total assets), and 23.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
76.8%
Return on assets
0.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
9 d late
2024
19 d late
2023
8 d early
2022
37 d early
2021
50 d early
2020
14 d early
2019
34 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€859k▲ 0.9%
2024 · €851k
2018: €549k
2019: €571k
2020: €630k
2021: €647k
2022: €604k
2023: €949k
2024: €851k
2018 → 2025
Total assets
€1.12M▼ 3.1%
2024 · €1.15M
2018: €645k
2019: €659k
2020: €734k
2021: €731k
2022: €697k
2023: €1.18M
2024: €1.15M
2018 → 2025
Net result
€7k
2024 · €-7k
2018: €21k
2019: €22k
2020: €58k
2021: €17k
2022: €-42k
2023: €-84k
2024: €-7k
2018 → 2025
Working capital
€286k▲ 20.6%
2024 · €237k
2018: €292k
2019: €342k
2020: €410k
2021: €445k
2022: €402k
2023: €294k
2024: €237k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€647k-€604k▼ 6.6%€949k▲ 57.1%€851k▼ 10.3%€859k▲ 0.9%
Operating result€14k-€-42k€-88k▼ 110%€-28k▲ 68.3%€-14k▲ 51.3%
Net result€17k-€-42k€-84k▼ 97.3%€-7k▲ 91.8%€7k
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 stays negative: a loss of €14k in 2025 against €28k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.12M
Fixed assets
€589k ▼ 7.2%
Current assets
€529k ▲ 1.9%
Equity and liabilities €1.12M
Equity
€859k ▲ 0.9%
Provisions
€16k ▼ 4.5%
Debt
€244k ▼ 14.9%
Debt's share of the balance-sheet total falls from 24.8% to 21.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2024 · €16k
Cash flow
€48k▲
2024 · €37k
Current ratio
2.17▲
2024 · 1.84
Debt to equity
0.28▼
2024 · 0.34
ROE
0.9%▲
2024 · -0.8%
ROA
0.7%▲
2024 · -0.6%
Interest coverage
16.04▲
2024 · 12.88
Debt ≤ 1 year
€244k▼
2024 · €283k
Income taxes
€811▲
2024 · €668
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.15M€1.12M▼
Fixed assets21/28€635k€589k▼
Tangible fixed assets22/27€635k€589k▼
Land and buildings22€529k€511k▼
Plant, machinery and equipment23€69k€54k▼
Furniture and vehicles24€20k€9k▼
Other tangible fixed assets26€17k€16k▼
Current assets29/58€520k€529k▲
Amounts receivable within one year40/41€19k€14k▼
Trade receivables40€12k€2k▼
Other amounts receivable41€6k€12k▲
Current investments50/53€443k€401k▼
Cash at bank and in hand54/58€51k€113k▲
Deferred charges and accrued income490/1€7k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.12M▼
Equity10/15€851k€859k▲
Contributions10/11€407k€407k=
Reserves13€444k€452k▲
Non-distributable reserves130/1€31k€23k▼
Reserves not available under the articles1311€31k€23k▼
Tax-exempt reserves132€101k€99k▼
Distributable reserves133€312k€330k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€17k€16k▼
Deferred taxes168€17k€16k▼
Amounts payable17/49€286k€244k▼
Amounts payable within one year42/48€283k€244k▼
Trade debts44€4k€427▼
Suppliers440/4€4k€427▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€3k▼
Remuneration and social security454/9-€1k
Other amounts payable47/48€275k€240k▼
Accrued charges and deferred income492/3€4k€85▼
Income statement
Code20242025
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€41k▼
Other operating charges640/8€6k€7k▲
Gross operating margin9900€22k€34k▲
Operating profit (loss)9901€-28k€-14k▲
Financial income75/76B€22k€23k▲
Recurring financial income75€22k€23k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-7k€7k▲
Transfer from deferred taxes780€766€766=
Income taxes67/77€668€811▲
Profit (loss) for the period9904€-7k€7k▲
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€-5k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€10k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€95k€0▼
Transfer to equity691/2-€10k
To other reserves6921-€10k
Profit to be distributed694/7€91k€0▼
Return on contributions (dividend)694€91k€0▼
The notes to these accounts (17 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
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-84k
Net result drops to €-84k, the lowest in the series; recovery starts the following year.
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Highest result since 2018net €58k ▲166%
Operating result €77k, net result €58k, both a record.
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Lanaken · 1 establishment unit since 1988
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.
Beekveldweg 13620 LanakenGround area
1,147 m²
Building footprint
316 m²
Volume, LiDAR
1,778 m³
Parcel 73014B0907/00M000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HOLTAPPELS EMILE NV
since 19882.039.676.507
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73014B0907/00M000 | Flanders | 1,147 m² | 1 · 316 m² | 8.9 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.
Similar companies · same sector, comparable size
DEKYVERE
BE 0465.702.740
Wevelgem · Eq €858,971
STEFAAN LEERG
BE 0845.164.166
Roeselare · Eq €858,643
ALGEMENE BOUWWERKEN MARC VAN DEN ACKERVEKEN
BE 0886.266.036
Ravels · Eq €859,115
ALGEMENE BOUWONDERNEMING DEMEYER
BE 0438.826.119
Oostkamp · Eq €859,530
SYNERGIMMO
BE 0446.230.781
Zottegem · Eq €859,731
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 7,069 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1988
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.