B.K.S. CENTER
ActiveB.K.S. CENTER has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €-2k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 16% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-6
Solvency38▼-9
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.04 against 1.08 in 2024; short-term debt: 87.4% and cash: 9.7% of total assets), and 87.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
12.6%
Return on assets
-3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 27787 sector peers (2025).
NBB · sector comparisonPosition among 27787 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
30 d late
2023
30 d late
2022
31 d late
2021
44 d late
2020
74 d late
2019
47 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▼ 19.1%
2024 · €10k
2018: €-4k
2019: €12k
2020: €13k
2021: €13k
2022: €7k
2023: €10k
2024: €10k
2018 → 2025
Total assets
€65k▲ 42.9%
2024 · €46k
2018: €8k
2019: €40k
2020: €51k
2021: €58k
2022: €69k
2023: €85k
2024: €46k
2018 → 2025
Net result
€-2k
2024 · €11
2018: €2k
2019: €16k
2020: €1k
2021: €186
2022: €-7k
2023: €4k
2024: €11
2018 → 2025
Working capital
€2k▼ 17.6%
2024 · €3k
2018: €-4k
2019: €11k
2020: €10k
2021: €5k
2022: €-18k
2023: €-9k
2024: €3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€7k▼ 50.5%€10k▲ 54.9%€10k▲ 0.1%€8k▼ 19.1%
Operating result€730-€-5k€6k€5k▼ 8.0%€259▼ 95.3%
Net result€186-€-7k€4k€11▼ 99.7%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 95% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€6k▼ 35.0%
Current assets
€59k▲ 63.0%
Equity and liabilities €65k
Equity
€8k▼ 19.1%
Debt
€57k▲ 60.6%
The debt ratio rises from 77.8% to 87.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▼
2024 · €18k
Cash flow
€5k▼
2024 · €13k
Solvency
12.6%▼
2024 · 22.2%
Current ratio
1.04▼
2024 · 1.08
Quick ratio
0.81▼
2024 · 0.91
Debt / equity
6.94▲
2024 · 3.50
ROE
-23.5%▼
2024 · 0.1%
ROA
-3.0%▼
2024 · 0.0%
Interest coverage
3.14▼
2024 · 3.40
Debt
€57k▲
2024 · €36k
Debt ≤ 1 year
€57k▲
2024 · €34k
Staff costs
€47k▼
2024 · €53k
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€46k€65k▲
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€9k€6k▼
Furniture and vehicles24€9k€6k▼
Financial fixed assets28€100€100=
Current assets29/58€36k€59k▲
Stocks and contracts in progress3€6k€13k▲
Stocks30/36€6k€13k▲
Amounts receivable within one year40/41€23k€37k▲
Trade receivables40€19k€28k▲
Other amounts receivable41€4k€9k▲
Cash at bank and in hand54/58€6k€6k▼
Deferred charges and accrued income490/1€960€2k▲
Equity and liabilities
Total equity and liabilities10/49€46k€65k▲
Equity10/15€10k€8k▼
Contributions10/11€12k€12k=
Profit (loss) carried forward14€-2k€-4k▼
Amounts payable17/49€36k€57k▲
Amounts payable within one year42/48€34k€57k▲
Trade debts44€5k€12k▲
Suppliers440/4€5k€12k▲
Advances received on contracts in progress46-€11k
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€785€2k▲
Remuneration and social security454/9€1k-
Other amounts payable47/48€27k€32k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Non-recurring operating income76A€8k€1k▼
Remuneration, social security and pensions62€53k€47k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€7k▼
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€95€320▲
Gross operating margin9900€76k€55k▼
Operating profit (loss)9901€5k€259▼
Financial income75/76B€240€21▼
Recurring financial income75€240€21▼
Financial charges65/66B€5k€2k▼
Recurring financial charges65€5k€2k▼
Profit (loss) for the period before taxes9903€337€-2k▼
Income taxes67/77€327-
Profit (loss) for the period9904€11€-2k▼
Profit (loss) for the period to be appropriated9905€11€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-4k▼
Profit (loss) brought forward from the previous period14P€-2k€-2k▲
The notes to these accounts (8 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-7k ▼3689%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 44 days late
2021
13-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 74 days late
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
2019
31-12
Financial
Highest result since 2018net €16k ▲835%
Operating result €16k, net result €16k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.37
Current ratio from 0.66 to 1.37.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Charleroi · 1 establishment unit since 2008
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.
Rue Emile Vandervelde 456001 CharleroiGround area
385 m²
Building footprint
55 m²
Volume, LiDAR
453 m³
Parcel 52393B0218/00H002, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Emile Vandervelde 45, 6001 Charleroi
since 20082.172.887.694
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52393B0218/00H002 | Wallonia | 385 m² | 1 · 55 m² | 10.3 m · 3 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.
Similar companies · same sector, comparable size
TEMMERMAN LIEVEN
BE 0465.608.908
Maldegem · Eq €8k
T.M. IDEAL RENOV
BE 0845.566.420
Saint-Ghislain · Eq €8k
Gebroeders Decaesstecker
BE 0407.603.205
Kortemark · Eq €8k
SMILE
BE 0844.796.754
Tienen · Eq €8k
J & G Ramen en Deuren
BE 0747.783.886
Aartselaar · Eq €8k
Of 20,026 companies in sector 43320 we hold annual accounts for 9,137. 4,187 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2008
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.