Ebema Group
ActiveEbema Group has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17.68M and a net result of €158k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 4512 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+4
Solvency88▼-5
Growth51▲+2
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity short (current ratio 0.05 against 0.12 in 2024; short-term debt: 36.7% and cash: 0.2% of total assets), and 36.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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
63.1%
Return on assets
0.6%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
31 d early
2024
28 d early
2023
33 d early
2022
46 d early
2021
48 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, consolidated, statutory
Turnover
€2.02M▲ 18.4%
2024 · €1.70M
2018: €1.48M
2019: €1.49M
2020: €1.68M
2021: €1.58M
2022: €1.53M
2023: €1.59M
2024: €1.70M
2018 → 2025
EBIT margin
10.7%▼ 1.6pp
2024 · 12.3%
2018: 47.6%
2019: 48.4%
2020: 38.2%
2021: 8.2%
2022: 31.2%
2023: 30.5%
2024: 12.3%
2018 → 2025
Net result
€158k▼ 63.6%
2024 · €435k
2018: €10.73M
2019: €798k
2020: €8.36M
2021: €334k
2022: €1.76M
2023: €627k
2024: €435k
2018 → 2025
Working capital
€-9.78M▼ 48.9%
2024 · €-6.57M
2018: €-2.15M
2019: €-5.89M
2020: €-1.74M
2021: €-7.26M
2022: €-8.88M
2023: €-5.11M
2024: €-6.57M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.58M-€1.53M▼ 3.4%€1.59M▲ 4.3%€1.70M▲ 7.1%€2.02M▲ 18.4%
Equity€16.37M-€18.13M▲ 10.8%€18.74M▲ 3.3%€19.17M▲ 2.3%€17.68M▼ 7.8%
Operating result€129k-€476k▲ 268%€486k▲ 2.1%€209k▼ 56.9%€216k▲ 3.1%
Net result€334k-€1.76M▲ 428%€627k▼ 64.4%€435k▼ 30.7%€158k▼ 63.6%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28.00M
Fixed assets
€27.51M▲ 0.5%
Current assets
€498k▼ 46.6%
Equity and liabilities €28.00M
Equity
€17.68M▼ 7.8%
Debt
€10.32M▲ 12.9%
The debt ratio rises from 32.3% to 36.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€216k▲
2024 · €210k
Cash flow
€159k▼
2024 · €435k
Solvency
63.1%▼
2024 · 67.7%
Current ratio
0.05▼
2024 · 0.12
Quick ratio
0.05▼
2024 · 0.12
Debt / equity
0.58▲
2024 · 0.48
ROE
0.9%▼
2024 · 2.3%
ROA
0.6%▼
2024 · 1.5%
Interest coverage
46.16▲
2024 · 4.78
Debt
€10.32M▲
2024 · €9.14M
Debt ≤ 1 year
€10.28M▲
2024 · €7.50M
Income taxes
€53k▲
2024 · €49k
Staff costs
€783k▲
2024 · €771k
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€28.31M€28.00M▼
Fixed assets21/28€27.38M€27.51M▲
Tangible fixed assets22/27€158k€158k▼
Land and buildings22€156k€156k=
Plant, machinery and equipment23€2k€2k▼
Financial fixed assets28€27.22M€27.35M▲
Affiliated companies280/1€27.22M€27.35M▲
Participating interests280€27.22M€27.35M▲
Current assets29/58€933k€498k▼
Amounts receivable within one year40/41€899k€442k▼
Trade receivables40€280k-
Other amounts receivable41€619k€442k▼
Cash at bank and in hand54/58€34k€51k▲
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€28.31M€28.00M▼
Equity10/15€19.17M€17.68M▼
Contributions10/11€180k€180k=
Capital10€180k€180k=
Issued capital100€180k€180k=
Reserves13€4.51M€4.51M=
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Tax-exempt reserves132€3.39M€3.39M=
Distributable reserves133€1.10M€1.10M=
Profit (loss) carried forward14€14.48M€12.99M▼
Amounts payable17/49€9.14M€10.32M▲
Amounts payable after more than one year17€1.64M-
Other amounts payable178/9€1.64M-
Amounts payable within one year42/48€7.50M€10.28M▲
Trade debts44€227k€346k▲
Suppliers440/4€227k€346k▲
Taxes, remuneration and social security45€209k€126k▼
Taxes450/3€61k€27k▼
Remuneration and social security454/9€148k€98k▼
Other amounts payable47/48€7.07M€9.81M▲
Accrued charges and deferred income492/3-€42k
Income statement
Code20242025
Operating income70/76A€1.71M€2.03M▲
Turnover70€1.70M€2.02M▲
Other operating income74€10k€11k▲
Non-recurring operating income76A-€4k
Operating charges60/66A€1.51M€1.82M▲
Services and other goods61€717k€1.02M▲
Remuneration, social security and pensions62€771k€783k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€234€234=
Other operating charges640/8€17k€17k▲
Operating profit (loss)9901€209k€216k▲
Financial income75/76B€319k€2k▼
Recurring financial income75€319k€2k▼
Income from financial fixed assets750€319k€2k▼
Other financial income752/9€0€3▲
Financial charges65/66B€45k€6k▼
Recurring financial charges65€45k€6k▼
Debt charges650€44k€5k▼
Other financial charges652/9€1k€2k▲
Profit (loss) for the period before taxes9903€483k€211k▼
Income taxes67/77€49k€53k▲
Taxes670/3€50k€60k▲
Tax adjustments and reversals of tax provisions77€1k€7k▲
Profit (loss) for the period9904€435k€158k▼
Profit (loss) for the period to be appropriated9905€435k€158k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14.48M€14.64M▲
Profit (loss) brought forward from the previous period14P€14.05M€14.48M▲
Profit to be distributed694/7-€1.65M
Return on contributions (dividend)694-€1.65M
Social balance
Average headcount (FTE)90877.77.1▼
The notes to these accounts (32 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
14-09
State Gazette act
General meeting · Director appointmentGeneral meeting · Director appointment · Permanent representative15 facts ▸
State Gazette act
General meeting · Director appointment
General meeting · Director appointment · Permanent representative15 facts ▸
- General meeting, 2026-06-19
- Director appointment, Ragla Consult Comm. Ven. (bestuurder)
- Permanent representative, Rob Geraerdts
- Director appointment, Eugenius BV (bestuurder)
- Permanent representative, Myriam Lamote
- Director appointment, Tyd BV (bestuurder)
- Permanent representative, Rik Van Meirhaeghe
- Director appointment, Focus Advies BV (bestuurder)
- Permanent representative, Dominique Roux
- Director appointment, Castlight BV (bestuurder)
- Permanent representative, Xavier Denis
- Director resignation, Lumarin NV (gedelegeerd bestuurder)
- +3 further facts in this act
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €158k ▼63.6%
Net result drops to €158k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · consolidated
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · consolidated
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · consolidated
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · consolidated
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26115316). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Castlight
CurrentDirector · since 19-06-2026 · Private limited company · perm. rep.: Xavier Denis
EUGENIUS
CurrentDirector · since 19-06-2026 · Private limited company · perm. rep.: Myriam Lamote
FOCUS ADVIES
CurrentDirector · since 19-06-2026 · Private limited company · perm. rep.: Dominique Roux
Ragla Consult
CurrentDirector · since 19-06-2026 · Limited partnership · perm. rep.: Rob Geraerdts
TYD
CurrentDirector · since 19-06-2026 · Private limited company (pre-2019) · perm. rep.: Rik Van Meirhaeghe
19-06-2026
Castlight: Appointed as Director
19-06-2026
EUGENIUS: Appointed as Director
19-06-2026
FOCUS ADVIES: Appointed as Director
19-06-2026
Ragla Consult: Appointed as Director
19-06-2026
TYD: Appointed as Director
19-06-2026
LUMARIN: Resigned as Managing director
Location & real-estate footprint
Registered office, Zutendaal · 1 establishment unit since 1991
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.
Dijkstraat 33690 ZutendaalGround area
13.9 ha
Building footprint
9,539 m²
Volume, LiDAR
84,948 m³
Parcel 71582D0964/00T000, Flanders · tallest building 21.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Dijkstraat 3, 3690 Zutendaal
since 19912.054.829.984
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71582D0964/00T000 | Flanders | 13.9 ha | 1 · 9,539 m² | 21.6 m · 3 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.
Statutory auditor
1 auditor| BDO Bedrijfsrevisoren Burg. C.V.Current Statutory auditor · represented by Gert Maris | 19-06-2026 → present |
Structure & network
Connections & network
3 connected companiesNetwork connections
Shared director
→
Shared corporate director
→
Shared corporate director
→
Ownership & control
11 partiesControl over this companysits on this company's board5
7 subsidiaries · 1 location
2 subsidiaries · 1 location
1 subsidiary · 1 location
1 subsidiary · 1 location
1 subsidiary · 1 location
controls
Ebema GroupBE 0445.448.348
controls
Where this company holds controlthis company sits on their board6
2 locations
1 location
1 location
1 location
1 location
1 location
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Of 9,697 companies in sector 68121 we hold annual accounts for 7,381. 799 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-10-1991
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68310Real estate agency activities
68311Real estate activities
70111
Sources
Crossroads Bank for EnterprisesNational Bank · 59 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.