Age2 yrs
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of EMFA CONCEPT is 2.7% (moderate). The 2024 annual accounts show equity of €15k and a net result of €13k. Its solvency ranks better than 63% of 3827 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-07-2025, 28 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 03-07-2025 | 28 d early | 2025-00238500 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.7%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€68k
EBIT margin24.9%
Net result€13k
Working capital€12k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 03-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 50.4% | 39.4% | |
| Net result | €13k | €9k | |
| Equity | €15k | €29k | |
| Gross operating margin | €19k | €26k | |
| Total assets | €31k | €85k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | €68k |
| EBITDA | €18k |
| Net profit | €13k |
| Cash flow | €15k |
| Staff costs | - |
| Income taxes | €4k |
| Dividends | - |
| Total assets | €31k |
| Equity | €15k |
| Debt | €15k |
| of which ≤ 1y | €14k |
| of which > 1y | - |
| Working capital | €12k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.82 |
| Quick ratio | 1.82 |
| Working capital ratio | 37.5% |
| Solvency | 50.4% |
| Debt / equity | 0.98 |
| Long-term debt ratio | - |
| Interest coverage | 1361.46 |
| Gross margin | 27.2% |
| Net margin | 19.8% |
| ROA | 43.9% |
| ROE | 87.1% |
| EBITDA margin | 27.0% |
| Days sales outstanding | 58d |
| Days payable outstanding | 40d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €31k |
| Fixed assets | 21/28 | €5k |
| Tangible fixed assets | 22/27 | €5k |
| Current assets | 29/58 | €26k |
| Amounts receivable within one year | 40/41 | €12k |
| Cash & bank | 54/58 | €13k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €31k |
| Equity | 10/15 | €15k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €13k |
| Amounts payable | 17/49 | €15k |
| Amounts payable within one year | 42/48 | €14k |
| Trade debts payable within one year | 44 | €5k |
| Income statement | ||
| Turnover | 70 | €68k |
| Gross operating margin | 9900 | €19k |
| Operating result | 9901 | €17k |
| Financial income | 75 | €8 |
| Financial charges | 65 | €14 |
| Result before taxes | 9903 | €17k |
| Income taxes | 67/77 | €4k |
| Net result for the period | 9904 | €13k |
| Result to be appropriated | 9905 | €13k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed100
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Rue Saint Fiacre 1156031 CharleroiEstablishment units
1 locationEMFA CONCEPT
since 20242.355.213.349
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
4 acts Address history · 2
20-01-2026
v3.2
22-12-2025
v3.2
All acts · 4
updated 6 months ago
2026
20-01-2026 Registered office moved to Charleroi (Monceau-sur-Sambre)
2025
22-12-2025 Registered office moved from Kraainem to Charleroi (Monceau-sur-Sambre)
- Mechelensesteenweg 455, 1950 Kraainem → rue Saint Fiacre 115, 6031 Charleroi (Monceau-sur-Sambre)
Summary:
v3.2
28-02-2025 Change in the board of directors
Summary:
v3.2
2024
02-02-2024 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes90
/ 100
Strong profile, led by health.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
100
Profitability
100
Solvency
91
Growth
-
Stability
67
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Credit advice
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We hold annual accounts for 5,317 of the 29,570 companies in this sector. 4,518 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameFR | EMFA CONCEPT |
Registered office
Rue Saint Fiacre 115
6031 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.