ESMI - INVEST
ActiveESMI - INVEST has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.03M and a net result of €145k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 37% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-2
Solvency72▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity short (current ratio 0.72 against 0.79 in 2024; short-term debt: 18.3% and cash: 1% of total assets), and 52.7% 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 86
Relative position
BE, all sectors
reference
Sector 86
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
47.3%
Return on assets
6.6%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.03M
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
13 d early
2023
on the day
2022
27 d early
2021
30 d late
2020
36 d early
2019
14 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.03M▲ 6.3%
2024 · €971k
2018: €1.04M
2019: €882k
2020: €844k
2021: €787k
2022: €781k
2023: €820k
2024: €971k
2018 → 2025
Total assets
€2.18M▼ 2.6%
2024 · €2.24M
2018: €1.88M
2019: €2.04M
2020: €1.88M
2021: €1.73M
2022: €1.99M
2023: €2.16M
2024: €2.24M
2018 → 2025
Net result
€145k▼ 19.0%
2024 · €179k
2018: €57k
2019: €20k
2020: €5k
2021: €63k
2022: €33k
2023: €104k
2024: €179k
2018 → 2025
Working capital
€-110k▼ 19.9%
2024 · €-92k
2018: €-9k
2019: €-78k
2020: €-90k
2021: €-117k
2022: €-192k
2023: €-225k
2024: €-92k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€787k-€781k▼ 0.8%€820k▲ 5.1%€971k▲ 18.3%€1.03M▲ 6.3%
Operating result€184k-€152k▼ 17.6%€195k▲ 28.8%€308k▲ 57.8%€251k▼ 18.5%
Net result€63k-€33k▼ 47.6%€104k▲ 218%€179k▲ 71.5%€145k▼ 19.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.18M
Fixed assets
€1.89M▼ 0.1%
Current assets
€290k▼ 16.6%
Equity and liabilities €2.18M
Equity
€1.03M▲ 6.3%
Provisions
€24k▼ 7.6%
Debt
€1.13M▼ 9.5%
The debt ratio falls from 55.5% to 51.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€360k▼
2024 · €411k
Cash flow
€254k▼
2024 · €282k
Solvency
47.3%▲
2024 · 43.3%
Current ratio
0.72▼
2024 · 0.79
Quick ratio
0.72▼
2024 · 0.79
Debt / equity
1.09▼
2024 · 1.28
ROE
14.0%▼
2024 · 18.4%
ROA
6.6%▼
2024 · 8.0%
Interest coverage
8.36▼
2024 · 8.53
Debt
€1.13M▼
2024 · €1.24M
Debt ≤ 1 year
€400k▼
2024 · €439k
Debt > 1 year
€687k▼
2024 · €761k
Income taxes
€67k▼
2024 · €84k
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€2.24M€2.18M▼
Fixed assets21/28€1.89M€1.89M▼
Tangible fixed assets22/27€1.89M€1.89M▼
Land and buildings22€1.81M€1.82M▲
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€76k€71k▼
Current assets29/58€348k€290k▼
Amounts receivable within one year40/41€48k€54k▲
Trade receivables40€48k€54k▲
Current investments50/53€275k€205k▼
Cash at bank and in hand54/58€15k€21k▲
Deferred charges and accrued income490/1€9k€9k▲
Equity and liabilities
Total equity and liabilities10/49€2.24M€2.18M▼
Equity10/15€971k€1.03M▲
Contributions10/11€400k€400k=
Reserves13€571k€631k▲
Tax-exempt reserves132€106k€98k▼
Distributable reserves133€465k€534k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€26k€24k▼
Deferred taxes168€26k€24k▼
Amounts payable17/49€1.24M€1.13M▼
Amounts payable after more than one year17€761k€687k▼
Financial debts170/4€757k€683k▼
Other amounts payable178/9€3k€3k=
Amounts payable within one year42/48€439k€400k▼
Current portion of amounts payable after more than one year42€73k€74k▲
Trade debts44€57k€9k▼
Suppliers440/4€57k€9k▼
Taxes, remuneration and social security45€19k€25k▲
Taxes450/3€19k€25k▲
Other amounts payable47/48€291k€291k▲
Accrued charges and deferred income492/3€43k€39k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€103k€109k▲
Other operating charges640/8€6k€7k▲
Gross operating margin9900€417k€367k▼
Operating profit (loss)9901€308k€251k▼
Financial income75/76B€535€1k▲
Recurring financial income75€535€1k▲
Financial charges65/66B€48k€43k▼
Recurring financial charges65€48k€43k▼
Profit (loss) for the period before taxes9903€260k€210k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€84k€67k▼
Profit (loss) for the period9904€179k€145k▼
Transfer from tax-exempt reserves789€8k€8k=
Profit (loss) for the period to be appropriated9905€187k€153k▼
Appropriation of the result
Profit (loss) to be appropriated9906€187k€153k▼
Transfer from equity791/2€28k€84k▲
Transfer to equity691/2€187k€153k▼
To other reserves6921€187k€153k▼
Profit to be distributed694/7€28k€84k▲
Return on contributions (dividend)694€28k€84k▲
The notes to these accounts (9 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €1MEq €1.03M ▲6.3%
8 profitable years in a row build equity to €1.03M.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €179k ▲71.5%
Operating result €308k, net result €179k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €5k ▼75%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2015
12-11
State Gazette act
General meeting · Director resignation
Director discharge · Permanent representative
2011
21-04
State Gazette act
Incorporation · Demerger
Founder · Founding capital · Holvoet, Filip
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Rumst · 1 establishment unit since 1992
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.
Hoveniersstraat 472840 RumstGround area
3,443 m²
Building footprint
232 m²
Volume, LiDAR
1,484 m³
Parcel 11037A0273/00F000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ESMI-INVEST
since 19922.058.184.107
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11037A0273/00F000 | Flanders | 3,443 m² | 1 · 232 m² | 9.5 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.
Structure & network
Ownership & control
1 partyESMI - INVESTBE 0447.348.459
controls
Where this company holds controlthis company sits on their board1
28 locations
Recognitions · licences · registrations
Legal Entity Identifier
2549006A010TKWHANB06
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Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 2,876 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-1992
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.