Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 5 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Ebema Group from Zutendaal, company number BE0445448348, closed financial year 2025 with a result of € 158,267 after tax. For that financial year Ebema Group recorded revenue of € 2 million and equity of € 17.7 million. Compared with financial year 2024, the result moved from € 434,554 to € 158,267. The company is profitable. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 30, 2026.
€ 17.7 million
▼ 8% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 158,267
▼ 64% vs 2024
Profit after tax over the fiscal year.
€ 51,235
▲ 53% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 1.7 million paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
7.1
▼ 0.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 782,659
▲ 2% vs 2024
€ 110,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 345,559
▲ 53% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 124 days on average.
€ 125,788
▼ 40% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 1,525,658 | € 1,591,743 | € 1,704,652 | € 2,019,054 | ▲ 18% |
| Profit after taxes | € 1,762,882 | € 627,315 | € 434,554 | € 158,267 | ▼ 64% |
| Equity | € 18,134,555 | € 18,737,309 | € 19,171,863 | € 17,680,130 | ▼ 8% |
| Total debts | € 12,111,889 | € 7,209,972 | € 9,142,879 | € 10,323,696 | ▲ 13% |
| Cash | € 46,050 | € 18,521 | € 33,591 | € 51,235 | ▲ 53% |
| Land & buildings | € 156,387 | € 156,387 | € 156,387 | € 156,387 | |
| Retained profit | € 17,954,555 | € 18,557,309 | € 18,991,863 | € 17,500,130 | ▼ 8% |
| Dividend | € 0 | € 0 | € 0 | € 1,650,000 | |
| Bank debt | € 3,161,152 | € 0 | € 0 | € 0 | |
| Balance sheet total | € 30,246,444 | € 25,947,282 | € 28,314,742 | € 28,003,826 | ▼ 1% |
| Employees (FTE) | 7.8 | 7.7 | 7.7 | 7.1 | ▼ 0.6 |
Key figures of Ebema Group, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Ebema Group?
What happened at Ebema Group in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- LUMARIN BV stepped down as director. NBB
- JAN PANIS BV stepped down as director. NBB
- WALTER PANIS BV stepped down as director. NBB
- DE SERRE stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 158,267 (▼ 64% vs 2024). Source: NBB ↗
- DE SERRE became a director. NBB
- LUMARIN BV became a director. NBB
- JAN PANIS BV became a director. NBB
In short
From € 1.8 million profit in 2022 to € 158,267 profit in 2025.
Paid € 332,559 in corporate taxes since 2022.
Best year ever: 2022, with € 1.8 million profit.
Paid out € 1.7 million in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of WALTER PANIS, DE LINDE, LUDO PANIS, JAN PANIS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Ebema GroupThe shares are held by WALTER PANIS (25%), DE LINDE (25%), LUDO PANIS (25%) and JAN PANIS (25%). It owns 100% of EURODAL NV, 100% of EDELBIMS NV, 100% of EBEMA NV, 100% of E.B.R. NV, 100% of AVANTI RIJKEVORSEL and 100% of EURODAL PRODUCTIONS NV itself.
Directors
According to the 2025 annual accounts
since 2023 · until 2029
Director · represented by Toon-Bert PANIS
Also active at: Edelbims, EURODAL PRODUCTIONS, EBEMA, E.B.R. (EBEMA BETON RIJKEVORSEL), AVANTI RIJKEVORSEL, EURODAL, DE SERRE, EBEDAL +2 more
since 2023 · until 2029
Director · represented by Walter PANIS
Also active at: Edelbims, EURODAL PRODUCTIONS, EBEMA, E.B.R. (EBEMA BETON RIJKEVORSEL), AVANTI RIJKEVORSEL, EURODAL, DE SERRE, EBEDAL +2 more
since 2023 · until 2029
Director · represented by Koen THEWISSEN
since 2025 · until 2028
Shareholders
Participations
100%
100%
100%
100%
100%
Establishments
Establishment units
Physical locations of this company
Dijkstraat 3
3690 Zutendaal
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0445.448.348
- VAT number
- BE 0445.448.348
- Registered office
- Dijkstraat 3, 3690 Zutendaal
- Names & denominations
- Ebema Group
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 14 October 1991
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Ontwikkeling van residentiële bouwprojecten
Projectontwikkeling voor woningbouw
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis