EM Invest
ActiveSummary
EM Invest has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €612k and a net result of €-505. Equity is shrinking by ~56.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+19
Solvency100▲+88
Growth85▲+13
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 5.57 against 0.01 in 2024; short-term debt: 3.3% and cash: 18.7% of total assets), and 3.7% 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
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
96.3%
Return on assets
-0.1%
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 26-08-2026, 26 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
26 d late
2024
30 d late
2023
30 d late
2022
31 d late
2021
19 d late
2020
16 d early
2019
91 d late
← 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
Turnover
€41k▲ 3.0%
2024 · €40k
2020: €3k
2022: €34k
2023: €35k
2024: €40k
2020 → 2025
EBIT margin
13.7%▲ 36.9pp
2024 · -23.2%
2020: -3079.3%
2022: -161.7%
2023: -47.0%
2024: -23.2%
2020 → 2025
Net result
€-505▲ 97.8%
2024 · €-23k
2018: €-55k
2019: €-38k
2020: €-104k
2021: €-61k
2022: €-65k
2023: €-36k
2024: €-23k
2018 → 2025
Working capital
€97k
2024 · €-775k
2018: €-222k
2019: €29k
2020: €-649k
2021: €-693k
2022: €-734k
2023: €-783k
2024: €-775k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€34k€35k▲ 4.6%€40k▲ 11.4%€41k▲ 3.0%
Equity€36k-€-29k€-65k▼ 123%€-87k▼ 34.9%€612k
Operating result€-52k-€-55k▼ 5.8%€-17k▲ 69.6%€-9k▲ 45.2%€6k
Net result€-61k-€-65k▼ 7.4%€-36k▲ 45.2%€-23k▲ 36.7%€-505▲ 97.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €9k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €636k
Fixed assets
€517k ▼ 25.1%
Current assets
€119k ▲ 1,500%
Equity and liabilities €636k
Equity
€612k
Debt
€24k
Debt finances 3.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€27k▲
2024 · €21k
Cash flow
€21k▲
2024 · €7k
Current ratio
5.57▲
2024 · 0.01
Debt to equity
0.04▲
2024 · -8.98
ROE
-0.1%
ROA
-0.1%▲
2024 · -3.2%
Interest coverage
4.50▲
2024 · 1.53
Debt ≤ 1 year
€21k▼
2024 · €783k
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€698k€636k▼
Fixed assets21/28€690k€517k▼
Tangible fixed assets22/27€650k€477k▼
Land and buildings22€631k€462k▼
Plant, machinery and equipment23€20k€15k▼
Financial fixed assets28€40k€40k=
Current assets29/58€7k€119k▲
Cash at bank and in hand54/58€7k€119k▲
Equity and liabilities
Total equity and liabilities10/49€698k€636k▼
Equity10/15€-87k€612k▲
Contributions10/11€300k€1.00M▲
Reserves13€30k€30k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€-417k€-418k▼
Amounts payable17/49€785k€24k▼
Amounts payable within one year42/48€783k€21k▼
Financial debts43€782k-
Credit institutions430/8€173k-
Other loans439€609k-
Trade debts44€1k€21k▲
Suppliers440/4€1k€21k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Turnover70€40k€41k▲
Goods, raw materials, services and sundry goods60/61€16k€73k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€22k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€24k€29k▲
Operating profit (loss)9901€-9k€6k▲
Financial charges65/66B€13k€6k▼
Recurring financial charges65€13k€6k▼
Profit (loss) for the period before taxes9903€-23k€-505▲
Profit (loss) for the period9904€-23k€-505▲
Profit (loss) for the period to be appropriated9905€-23k€-505▲
Appropriation of the result
Profit (loss) to be appropriated9906€-417k€-418k▼
Profit (loss) brought forward from the previous period14P€-395k€-417k▼
The notes to these accounts (6 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Liquidity times 588current ratio 5.57
Current ratio from 0.01 to 5.57; short-term debt falls from €783k to €21k.
31-12
Financial
Equity above €500kEq €612k
Equity rises from €-87k to €612k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-104k
Net result drops to €-104k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Liquidity quadruplescurrent ratio 1.18
Current ratio from 0.30 to 1.18; short-term debt falls from €317k to €160k.
29-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 60 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Malle · 1 establishment unit since 2010
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.
Het Wild Rijt 272390 MalleGround area
4,737 m²
Building footprint
469 m²
Volume, LiDAR
1,304 m³
Parcel 11049C0136/00C000, Flanders · tallest building 19.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
EM Invest
since 20102.195.078.524
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049C0136/00C000 | Flanders | 4,737 m² | 1 · 469 m² | 19.8 m · 1 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2010
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.