EUROMATIC
ActiveThe annual accounts of EUROMATIC for fiscal year 2025 show a net loss of 86% of the equity at the start of that year. The 2025 annual accounts show equity of €18k and a net result of €-110k. Equity is shrinking by ~14.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 12% of 27450 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-31
Solvency31▼-33
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.01 against 5.43 in 2024; short-term debt: 41.3% and cash: 0.4% of total assets), and 93.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6.3%
Return on assets
-38.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-110k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 27450 sector peers (2025).
NBB · sector comparisonPosition among 27450 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
39 d early
2023
6 d early
2022
27 d early
2021
26 d early
2020
15 d early
2019
58 d early
← 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
€18k▼ 85.8%
2024 · €128k
2018: €226k
2019: €263k
2020: €281k
2021: €288k
2022: €214k
2023: €139k
2024: €128k
2018 → 2025
Total assets
€286k▼ 13.8%
2024 · €332k
2018: €594k
2019: €598k
2020: €587k
2021: €559k
2022: €465k
2023: €369k
2024: €332k
2018 → 2025
Net result
€-110k▼ 951%
2024 · €-10k
2018: €53k
2019: €51k
2020: €34k
2021: €43k
2022: €-10k
2023: €-75k
2024: €-10k
2018 → 2025
Working capital
€945▼ 99.3%
2024 · €129k
2018: €206k
2019: €255k
2020: €281k
2021: €271k
2022: €203k
2023: €132k
2024: €129k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€288k-€214k▼ 25.8%€139k▼ 35.1%€128k▼ 7.5%€18k▼ 85.8%
Operating result€60k-€-8k€-68k▼ 754%€-2k▲ 97.5%€-101k▼ 5,896%
Net result€43k-€-10k€-75k▼ 622%€-10k▲ 86.1%€-110k▼ 951%
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 €101k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€167k▼ 3.7%
Current assets
€119k▼ 24.8%
Equity and liabilities €286k
Equity
€18k▼ 85.8%
Debt
€268k▲ 31.5%
The debt ratio rises from 61.4% to 93.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-79k▼
2024 · €19k
Cash flow
€-89k▼
2024 · €10k
Solvency
6.3%▼
2024 · 38.6%
Current ratio
1.01▼
2024 · 5.43
Quick ratio
0.60▼
2024 · 3.33
Debt / equity
14.75▲
2024 · 1.59
ROE
-605.2%▼
2024 · -8.2%
ROA
-38.4%▼
2024 · -3.2%
Interest coverage
-9.23▼
2024 · 1.98
Debt
€268k▲
2024 · €204k
Debt ≤ 1 year
€118k▲
2024 · €29k
Debt > 1 year
€150k▼
2024 · €175k
Income taxes
€625▲
2024 · €572
Staff costs
€75k▲
2024 · €35k
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€332k€286k▼
Fixed assets21/28€174k€167k▼
Tangible fixed assets22/27€174k€167k▼
Land and buildings22€169k€149k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24-€14k
Financial fixed assets28€80€80=
Current assets29/58€158k€119k▼
Stocks and contracts in progress3€61k€48k▼
Stocks30/36€61k€48k▼
Amounts receivable within one year40/41€71k€70k▼
Trade receivables40€44k€37k▼
Other amounts receivable41€28k€33k▲
Cash at bank and in hand54/58€23k€1k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€332k€286k▼
Equity10/15€128k€18k▼
Contributions10/11€20k€20k=
Reserves13€204k€204k=
Distributable reserves133€204k€204k=
Profit (loss) carried forward14€-96k€-206k▼
Amounts payable17/49€204k€268k▲
Amounts payable after more than one year17€175k€150k▼
Financial debts170/4€175k€150k▼
Amounts payable within one year42/48€29k€118k▲
Current portion of amounts payable after more than one year42€24k€25k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€5k€78k▲
Suppliers440/4€5k€78k▲
Taxes, remuneration and social security45€764-
Remuneration and social security454/9€764-
Other amounts payable47/48-€13k
Income statement
Code20242025
Remuneration, social security and pensions62€35k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▲
Other operating charges640/8€7k€4k▼
Gross operating margin9900€61k€410▼
Operating profit (loss)9901€-2k€-101k▼
Financial income75/76B€1k€26▼
Recurring financial income75€1k€26▼
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€-10k€-109k▼
Income taxes67/77€572€625▲
Profit (loss) for the period9904€-10k€-110k▼
Profit (loss) for the period to be appropriated9905€-10k€-110k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-96k€-206k▼
Profit (loss) brought forward from the previous period14P€-86k€-96k▼
Social balance
Average headcount (FTE)90870.8-
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-110k
Net result drops to €-110k, the lowest in the series.
22-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
02-06
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, As · 1 establishment unit since 1990
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.
Ambachtslaan 113665 AsGround area
1,257 m²
Building footprint
341 m²
Volume, LiDAR
1,956 m³
Parcel 71002C0466/00P049, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EUROMATIC BVBA
since 19902.130.385.363
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71002C0466/00P049 | Flanders | 1,257 m² | 1 · 341 m² | 6.7 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.
Recognitions · licences · registrations
Recognised contractor
3 categoriesEUROMATIC BV36511
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Of 4,095 companies in sector 43240 we hold annual accounts for 1,631. 1,096 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-1990
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
43320Joinery installation
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.