Summary
EMILATO 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 €401k and a net result of €-14k. Equity is growing by ~33.4% per year across the filed fiscal years. Its solvency ranks better than 91% of 8023 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
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 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
26 d late
2023
28 d late
2022
48 d early
2021
23 d late
2020
32 d early
2019
19 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
Equity
€401k▼ 3.5%
2024 · €416k
2018: €57k
2019: €85k
2020: €109k
2021: €122k
2022: €127k
2023: €373k
2024: €416k
2018 → 2025
Net result
€-14k
2024 · €43k
2018: €28k
2019: €28k
2020: €24k
2021: €14k
2022: €5k
2023: €245k
2024: €43k
2018 → 2025
Total assets
€433k▼ 13.0%
2024 · €498k
2018: €866k
2019: €858k
2020: €860k
2021: €861k
2022: €867k
2023: €483k
2024: €498k
2018 → 2025
Solvency
92.6%▲ 9.2pp
2024 · 83.4%
2018: 6.5%
2019: 9.9%
2020: 12.6%
2021: 14.2%
2022: 14.7%
2023: 77.3%
2024: 83.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€127k▲ 4.4%€373k▲ 193%€416k▲ 11.5%€401k▼ 3.5%
Operating result€26k-€26k▼ 0.9%€-41k€57k€-18k
Net result€14k-€5k▼ 60.9%€245k▲ 4,509%€43k▼ 82.6%€-14k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €18k after €57k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €433k
Fixed assets
€2k ▼ 20.2%
Current assets
€431k ▼ 13.0%
Equity and liabilities €433k
Equity
€401k ▼ 3.5%
Debt
€32k ▼ 61.1%
Debt's share of the balance-sheet total falls from 16.6% to 7.4%. Equity and debt are lower.
Key figures and ratios
ROE
-3.6%▼
2024 · 10.3%
ROA
-3.3%▼
2024 · 8.6%
Debt ≤ 1 year
€32k▼
2024 · €83k
Income taxes
€478▼
2024 · €18k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€498k€433k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€496k€431k▼
Amounts receivable after more than one year29€225k€225k=
Other amounts receivable291€225k€225k=
Amounts receivable within one year40/41€99k€139k▲
Trade receivables40€42k€82k▲
Other amounts receivable41€57k€57k▼
Cash at bank and in hand54/58€163k€57k▼
Deferred charges and accrued income490/1€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€498k€433k▼
Equity10/15€416k€401k▼
Contributions10/11€6k€6k=
Reserves13€409k€409k=
Distributable reserves133€409k€409k=
Profit (loss) carried forward14-€-14k
Amounts payable17/49€83k€32k▼
Amounts payable within one year42/48€83k€32k▼
Financial debts43€14k€0▼
Credit institutions430/8€14k€0▼
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€47k€9k▼
Taxes450/3€47k€9k▼
Other amounts payable47/48€16k€15k▼
Accrued charges and deferred income492/3-€63
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24€529▲
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€59k€-16k▼
Operating profit (loss)9901€57k€-18k▼
Financial income75/76B€7k€7k▲
Recurring financial income75€7k€7k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€61k€-14k▼
Income taxes67/77€18k€478▼
Profit (loss) for the period9904€43k€-14k▼
Profit (loss) for the period to be appropriated9905€43k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€-14k▼
Transfer to equity691/2€43k€0▼
To other reserves6921€43k€0▼
The notes to these accounts (12 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-14k ▼134%
Net result drops to €-14k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 13.45
Current ratio from 6.00 to 13.45; short-term debt falls from €83k to €32k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €245k ▲4509%
Net result €245k, the highest in the series.
31-12
Financial
Liquidity times 234current ratio 4.40
Current ratio from 0.02 to 4.40; short-term debt falls from €586k to €110k.
31-12
Financial
Equity above €200kEq €373k ▲193%
6 profitable years in a row build equity to €373k.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €109k ▲28.4%
3 profitable years in a row build equity to €109k.
Show earlier events
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
25-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 25 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 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, Sint-Truiden · 1 establishment unit since 2012
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.
Tongersesteenweg 363800 Sint-TruidenGround area
841 m²
Building footprint
172 m²
Parcel 71352D0760/00A005, Flanders. Linked by address, not a title deed.
1 establishment unit
Emilato
since 20122.207.034.070
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352D0760/00A005 | Flanders | 841 m² | 1 · 172 m² | - |
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
MEHEUS & VANDEMOORTELE INVEST
BE 0809.298.615
Tielt · Eq €401,261
JbuCon
BE 0845.026.782
Tienen · Eq €401,292
Ribbedebie
BE 0788.578.326
Merelbeke-Melle · Eq €401,233
I.B. FOOD
BE 0476.318.203
Westerlo · Eq €401,321
MANAGEMENT CONSULTANCY OFFICE
BE 0444.249.904
Tielt · Eq €401,357
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,755 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
Founded23-01-2012
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.