4 K's is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €146k and a net result of €-70k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 5521 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-12-2025, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
56 d early
2023
64 d early
2022
13 d early
2021
6 d early
2020
3 d early
2019
16 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€146k▼ 32.5%
2024 · €216k
2019: €123k
2020: €140k
2021: €155k
2022: €176k
2023: €198k
2024: €216k
2019 → 2025
Net result
€-70k
2024 · €19k
2019: €25k
2020: €17k
2021: €15k
2022: €21k
2023: €22k
2024: €19k
2019 → 2025
Total assets
€207k▼ 65.4%
2024 · €598k
2019: €581k
2020: €591k
2021: €592k
2022: €600k
2023: €596k
2024: €598k
2019 → 2025
Solvency
70.6%▲ 34.4pp
2024 · 36.2%
2019: 21.1%
2020: 23.7%
2021: 26.2%
2022: 29.3%
2023: 33.2%
2024: 36.2%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€155k-€176k▲ 13.3%€198k▲ 12.6%€216k▲ 9.4%€146k▼ 32.5%
Operating result€26k-€33k▲ 29.1%€35k▲ 6.5%€30k▼ 16.2%€28k▼ 4.0%
Net result€15k-€21k▲ 40.0%€22k▲ 7.2%€19k▼ 15.7%€-70k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €207k
Fixed assets
€17k▼ 96.1%
Current assets
€190k▲ 10.4%
Equity and liabilities €207k
Equity
€146k▼ 32.5%
Provisions
€27k=
Debt
€34k▼ 90.5%
The debt ratio falls from 59.3% to 16.3%. Equity and debt are lower.
Key figures and ratios
Solvency
70.6%▲
2024 · 36.2%
ROE
-48.2%▼
2024 · 8.6%
ROA
-34.0%▼
2024 · 3.1%
Debt
€34k▼
2024 · €355k
Debt ≤ 1 year
€33k▼
2024 · €354k
Income taxes
€6k▼
2024 · €9k
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€598k€207k▼
Fixed assets21/28€426k€17k▼
Tangible fixed assets22/27-€4k
Furniture and vehicles24-€4k
Financial fixed assets28€426k€12k▼
Current assets29/58€172k€190k▲
Amounts receivable within one year40/41€158k€184k▲
Trade receivables40€158k€184k▲
Cash at bank and in hand54/58€13k€6k▼
Deferred charges and accrued income490/1€1k€319▼
Equity and liabilities
Total equity and liabilities10/49€598k€207k▼
Equity10/15€216k€146k▼
Contributions10/11€6k€6k=
Reserves13€210k€140k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€210k€140k▼
Provisions and deferred taxes16€27k€27k=
Provisions for liabilities and charges160/5€27k€27k=
Pensions and similar obligations160€27k€27k=
Amounts payable17/49€355k€34k▼
Amounts payable within one year42/48€354k€33k▼
Current portion of amounts payable after more than one year42€4k€0▼
Trade debts44€68€273▲
Suppliers440/4€68€273▲
Taxes, remuneration and social security45€11k€15k▲
Taxes450/3€8k€13k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€339k€18k▼
Accrued charges and deferred income492/3€513€528▲
Income statement
Code20242025
Non-recurring operating income76A€681€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k
Other operating charges640/8€919€767▼
Gross operating margin9900€31k€31k▲
Operating profit (loss)9901€30k€28k▼
Financial income75/76B-€72k
Recurring financial income75-€72k
Non-recurring financial income76B-€72k
Financial charges65/66B€2k€164k▲
Recurring financial charges65€2k€2k▼
Non-recurring financial charges66B-€163k
Profit (loss) for the period before taxes9903€28k€-64k▼
Income taxes67/77€9k€6k▼
Profit (loss) for the period9904€19k€-70k▼
Profit (loss) for the period to be appropriated9905€19k€-70k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€-70k▼
Transfer from equity791/2-€70k
Transfer to equity691/2€19k€0▼
To other reserves6921€19k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (12 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
2025
11-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-70k ▼478%
Net result drops to €-70k, the lowest in the series.
30-06
Financial
Liquidity times 12current ratio 5.75
Current ratio from 0.49 to 5.75; short-term debt falls from €354k to €33k.
2024
06-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Equity above €200kEq €216k ▲9.4%
6 profitable years in a row build equity to €216k.
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
18-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Equity above €150kEq €155k ▲10.5%
3 profitable years in a row build equity to €155k.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
23-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
17-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Alveringem · 1 establishment unit since 2007
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.
Bergenstraat 828691 AlveringemGround area
3,004 m²
Building footprint
246 m²
Volume, LiDAR
1,189 m³
Parcel 38004D0287/00A000, Flanders · tallest building 11.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
4 K's
since 20072.162.031.416
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38004D0287/00A000 | Flanders | 3,004 m² | 1 · 246 m² | 11.6 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,183 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2007
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
68110Buying and selling of own real estate
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.