2KL
ActiveThe computed 12-month bankruptcy probability of 2KL is 2.0% (moderate). The 2025 annual accounts show equity of €2.54M and a net result of €535k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 65% of 7687 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+35
Solvency98▼-1
Growth78▲+26
Stability94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €250k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 2.54 in 2024), and 42.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
57.2%
Return on assets
12%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
44 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.54M▲ 6.9%
2024 · €2.38M
2023: €2.15M
2024: €2.38M
2023 → 2025
Total assets
€4.45M▲ 15.4%
2024 · €3.85M
2023: €3.87M
2024: €3.85M
2023 → 2025
Net result
€535k▲ 72.7%
2024 · €310k
2023: €359k
2024: €310k
2023 → 2025
Working capital
€2.23M▲ 0.3%
2024 · €2.22M
2023: €1.97M
2024: €2.22M
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€2.15M-€2.38M▲ 10.7%€2.54M▲ 6.9%
Operating result€544k-€448k▼ 17.6%€709k▲ 58.3%
Net result€359k-€310k▼ 13.7%€535k▲ 72.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 58% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.45M
Fixed assets
€335k▲ 77.6%
Current assets
€4.11M▲ 12.2%
Equity and liabilities €4.45M
Equity
€2.54M▲ 6.9%
Debt
€1.90M▲ 29.3%
The debt ratio rises from 38.2% to 42.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€804k▲
2024 · €519k
Cash flow
€630k▲
2024 · €380k
Solvency
57.2%▼
2024 · 61.8%
Current ratio
2.18▼
2024 · 2.54
Quick ratio
1.94▼
2024 · 2.24
Debt / equity
0.75▲
2024 · 0.62
ROE
21.0%▲
2024 · 13.0%
ROA
12.0%▲
2024 · 8.0%
Interest coverage
97.50▲
2024 · 29.93
Debt
€1.90M▲
2024 · €1.47M
Debt ≤ 1 year
€1.89M▲
2024 · €1.45M
Debt > 1 year
€15k
Income taxes
€245k▲
2024 · €165k
Staff costs
€1.25M▲
2024 · €1.07M
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€3.85M€4.45M▲
Fixed assets21/28€188k€335k▲
Intangible fixed assets21€18k€15k▼
Tangible fixed assets22/27€168k€316k▲
Land and buildings22€84k-
Plant, machinery and equipment23€32k€70k▲
Furniture and vehicles24€51k€61k▲
Other tangible fixed assets26-€185k
Financial fixed assets28€3k€3k=
Current assets29/58€3.67M€4.11M▲
Amounts receivable after more than one year29€919k€885k▼
Other amounts receivable291€919k€885k▼
Stocks and contracts in progress3€431k€443k▲
Stocks30/36€431k€443k▲
Amounts receivable within one year40/41€1.21M€1.95M▲
Trade receivables40€758k€1.39M▲
Other amounts receivable41€454k€560k▲
Current investments50/53€500€500=
Cash at bank and in hand54/58€1.10M€830k▼
Deferred charges and accrued income490/1€102-
Equity and liabilities
Total equity and liabilities10/49€3.85M€4.45M▲
Equity10/15€2.38M€2.54M▲
Contributions10/11€16k€16k=
Reserves13€2.36M€2.53M▲
Tax-exempt reserves132€59k€51k▼
Distributable reserves133€2.31M€2.48M▲
Amounts payable17/49€1.47M€1.90M▲
Amounts payable after more than one year17-€15k
Financial debts170/4-€15k
Amounts payable within one year42/48€1.45M€1.89M▲
Current portion of amounts payable after more than one year42-€11k
Financial debts43€144k€175k▲
Credit institutions430/8€144k€175k▲
Trade debts44€1.21M€1.48M▲
Suppliers440/4€1.21M€1.48M▲
Taxes, remuneration and social security45€89k€217k▲
Taxes450/3-€47k
Remuneration and social security454/9€89k€170k▲
Accrued charges and deferred income492/3€27k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€283€3k▲
Remuneration, social security and pensions62€1.07M€1.25M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€71k€95k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-1k-
Other operating charges640/8€9k€26k▲
Gross operating margin9900€1.60M€2.08M▲
Operating profit (loss)9901€448k€709k▲
Financial income75/76B€42k€76k▲
Recurring financial income75€42k€76k▲
Financial charges65/66B€17k€8k▼
Recurring financial charges65€17k€8k▼
Profit (loss) for the period before taxes9903€472k€777k▲
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€165k€245k▲
Profit (loss) for the period9904€310k€535k▲
Transfer from tax-exempt reserves789€5k€5k=
Profit (loss) for the period to be appropriated9905€315k€540k▲
Appropriation of the result
Profit (loss) to be appropriated9906€315k€540k▲
Transfer from equity791/2€76k€368k▲
Transfer to equity691/2€315k€540k▲
To other reserves6921€315k€540k▲
Profit to be distributed694/7€76k€368k▲
Return on contributions (dividend)694€76k€368k▲
Social balance
Average headcount (FTE)908714.919.1▲
The notes to these accounts (14 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 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2023net €535k ▲72.7%
Operating result €709k, net result €535k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €310k ▼13.7%
Net result drops to €310k, the lowest in the series; recovery starts the following year.
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 44 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hasselt · 1 establishment unit since 2023
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.
Hasseltsesteenweg 1513720 HasseltGround area
4,779 m²
Building footprint
1,394 m²
Volume, LiDAR
6,177 m³
Parcel 73040B0315/00L000, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
2KL
since 20232.348.912.903
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73040B0315/00L000 | Flanders | 4,779 m² | 1 · 1,394 m² | 6.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 1,189 EUR awarded · 1,189 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 382 EUR | 382 EUR |
| 2024 | 1 | 807 EUR | 807 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 19,948 companies in sector 43320 we hold annual accounts for 9,084. 2,357 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-07-2023
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
47551Retail sale of household furniture
47591Retail trade
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.