Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Late annual account NBB
Fiscal year 2022 was filed 1186 days after the legal deadline.
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Annual account missing NBB
Fiscal year 2023 was expected before 31 July 2024 and has not been filed.
Financials
Financial year 2022
EMCE FINANCE from Beveren-Kruibeke-Zwijndrecht, company number BE0744435507, closed financial year 2022 with a result of € 31,241 after tax. For that financial year EMCE FINANCE recorded a gross margin of € 41,415 and equity of € 109,195. Compared with financial year 2021, the result moved from € 75,954 to € 31,241. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on October 29, 2026.
€ 109,195
▲ 40% vs 2021
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 31,241
▼ 59% vs 2021
Profit after tax over the fiscal year.
€ 50,562
▲ 51% vs 2021
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2022. Retained profit grew to € 107,195.
People and assets in 2022
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 32,178
▼ 22% vs 2021
Book value of vehicles, furniture and equipment.
Debts at end 2022
€ 88,471
▼ 14% vs 2021
€ 15,033 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 31,394
▲ € 29,031 vs 2021
Supplier invoices still open on the last day of the fiscal year.
€ 12,300
▼ 57% vs 2021
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2021 | 2022 | Change 2021 → 2022 | |
|---|---|---|---|
| Gross margin | € 64,364 | € 41,415 | ▼ 36% |
| Profit after taxes | € 75,954 | € 31,241 | ▼ 59% |
| Equity | € 77,954 | € 109,195 | ▲ 40% |
| Total debts | € 133,945 | € 132,472 | ▼ 1% |
| Cash | € 33,473 | € 50,562 | ▲ 51% |
| Retained profit | € 75,954 | € 107,195 | ▲ 41% |
| Bank debt | € 103,047 | € 88,471 | ▼ 14% |
| Balance sheet total | € 211,899 | € 241,667 | ▲ 14% |
Key figures of EMCE FINANCE, fiscal years 2021 to 2022, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2023 has not been filed yet; it was expected before 31 July 2024.
What happened to EMCE FINANCE?
What happened at EMCE FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2022: profit of € 31,241 (▼ 59% vs 2021). filed late Source: NBB ↗
- New establishment in Beveren-Kruibeke-Zwijndrecht. KBO
- Start of the company according to the CBE. KBO
- Miguel Clement became a director. NBB
In short
From € 75,954 profit in 2021 to € 31,241 profit in 2022.
Paid € 38,159 in corporate taxes since 2021.
Best year ever: 2021, with € 75,954 profit.
Management
Behind EMCE FINANCE is Miguel Clement. It owns 19.4% of Fin-Insure B itself.
Directors
According to the 2022 annual accounts
Miguel Clement
Director
since 2020
Establishments
Establishment units
Physical locations of this company
Bankstraat(HSD) 17
9120 Beveren-Kruibeke-Zwijndrecht
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0744.435.507
- VAT number
- BE 0744.435.507
- Registered office
- Bankstraat(HSD) 17, 9120 Beveren-Kruibeke-Zwijndrecht
- Names & denominations
- EMCE FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 February 2020
- Peppol
- Active · Active since 7 Sept 2026
- Activities · NACE
Activiteiten van holdings
Holdings
Overige zakelijke dienstverlening, neg