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Generated 08-08-2026
Active BE 0863.687.703General partnership

HET KRUISPUNT

Dorpsstraat 7R ·3650 Dilsen-Stokkem, Belgium· 22 yrs active
Sector: NACE 82100 (82100)
Conclusion Checked

The computed 12-month bankruptcy probability of HET KRUISPUNT is 0.3% (very low). The 2021 annual accounts show equity of €1k and a net result of €-16k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 15% of 890 sector peers (fiscal year 2021). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €1k
Net result €-16k
Staff (FTE) 4.5
Better than sector 15%
Snowflake analysis 5 axes · computed by Checked
Health28Profitability0Solvency11Growth68Stability100
41 / 100

Fragile profile, watch profitability in particular.

Health 28
Profitability 0
Solvency 11
Growth 68
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.3% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −Annual accounts: weaker financial profile +Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 2004, 22 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2021 · computed
28 / 100 Weak
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 30-05-2022 with the NBB · fiscal year 2021 · micro
€-50k€0€50k€100k€150kOperating result 2018: €-29k€-29kNet result 2018: €-33k€-33kOperating result 2019: €-27k€-27kNet result 2019: €-31k€-31kRevenue 2020: €152k€152kOperating result 2020: €-24k€-24kNet result 2020: €-26k€-26kOperating result 2021: €-14k€-14kNet result 2021: €-16k€-16k2018201920202021
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable Equity: stable across 4 fiscal years (±0%/year).
€900€950€1k€1k€1k2022: €1k (€920 - €1k)2023: €1k (€920 - €1k)2024: €1k (€920 - €1k)2018: €1k2019: €1k2020: €1k2021: €1k2018201920202021202220232024
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2021 · NACE 82 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 1.4% 46.7%
better than 15% of 890 sector peers
Net result €-16k €13k
better than 9% of 888 sector peers
Equity €1k €29k
better than 16% of 893 sector peers
Gross operating margin €126k €28k
better than 90% of 886 sector peers
Staff costs €120k €17k
higher than 90% of 157 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€152k
- 18-21
EBITDA
€5k
- 18-21
Net profit
€-16k
+39.6% 18-21
Cash flow
€3k
- 18-21
Total assets
€72k
-26.2% 18-21
Equity
€1k
0.0% 18-21
Working capital
€-3k
- 18-21
Employees (FTE)
5
+87.5% 18-21
Staff costs
€120k
- 18-21
Income taxes
€1
+1.1% 18-21
Debt
€71k
-26.4% 18-21
Debt ≤ 1y
€48k
-6.4% 18-21
Debt > 1y
€23k
-49.2% 18-21
Current ratio
0.95
-13.0% 18-21
Quick ratio
0.95
-13.0% 18-21
Solvency
1.4%
+35.5% 18-21
Debt / equity
70.89
+57.1% 18-21
ROE
-1589.1%
+39.6% 18-21
ROA
-22.1%
+18.2% 18-21
Net margin
-17.3%
- 18-21
EBITDA margin
-3.6%
- 18-21
Interest coverage
2.29
- 18-21
Figures by fiscal year
Fiscal year2021
Revenue-
EBITDA€5k
Net profit€-16k
Cash flow€3k
Staff costs€120k
Income taxes€1
Dividends-
Total assets€72k
Equity€1k
Debt€71k
of which ≤ 1y€48k
of which > 1y€23k
Working capital€-3k
Employees (FTE)4.5
Ratios (computed)
2021
Current ratio0.95
Quick ratio0.95
Working capital ratio-3.6%
Solvency1.4%
Debt / equity70.89
Long-term debt ratio22.91
Interest coverage2.29
Gross margin-
Net margin-
ROA-22.1%
ROE-1589.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2021
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2021
Balance sheet, Assets
TOTAL ASSETS 20/58€72k
Fixed assets 21/28€26k
Tangible fixed assets 22/27€25k
Financial fixed assets 28€1k
Current assets 29/58€45k
Amounts receivable within one year 40/41€26k
Cash & bank 54/58€16k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€72k
Equity 10/15€1k
Contributions / capital 10/11€1k
Amounts payable 17/49€71k
Amounts payable after one year 17€23k
Amounts payable within one year 42/48€48k
Trade debts payable within one year 44€9k
Income statement
Gross operating margin 9900€126k
Operating result 9901€-14k
Financial income 75€6
Financial charges 65€2k
Result before taxes 9903€-16k
Income taxes 67/77€1
Net result for the period 9904€-16k
Result to be appropriated 9905€-16k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary 82100
Legal form General partnership(011)
Incorporation23-02-2004
StatusActive
Postal code3650
Establishment units 1 location
Dorpsstraat 7, 3650 Dilsen-Stokkem
Medische praktijken
since 20042.229.254.493
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73043A0173/00H000 Flanders 5,057 m² 1 · 1,020 m² 14.7 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
07-02-2025
State Gazette act Director changes
2022
03-06-2022
State Gazette act Director changes
30-05-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
17-06-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
28-05-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
04-06-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
29-05-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
20-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
16-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
31-08-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
2014
24-07-2014
NBB filing Annual accounts filed
fiscal year 2013 · verkort
2013
06-08-2013
NBB filing Annual accounts filed
fiscal year 2012 · verkort
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2025
07-02-2025 8 directors appointed Director changes
  • Dokter Evy Lamberigts, Commissaris
  • dokter Annemieke Claes, Zaakvoerder
  • dokter Tine Verbeeck, Zaakvoerder
  • dokter Reinout Kissel, Zaakvoerder
  • dokter Ward Swennen, Zaakvoerder
  • DEL DYCKE Joost, Dagelijks bestuur
  • LEYSSEN Robert, Dagelijks bestuur
  • SOCCIO Sandro, Dagelijks bestuur
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        "name": "LEYSSEN Robert",
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    {
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        "name": "SOCCIO Sandro",
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      "via_org": {
        "kbo": "0466.535.158",
        "name": "A\u0026B KMO-Partners BV",
        "address": "3600 Genk, Jaarbeurslaan 21 bus 41",
        "country": "BE",
        "legal_form": "BV"
      },
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  "notary": {
    "name": null,
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  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-02-07",
    "filing_date": "2025-01-31",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
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  },
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2022
03-06-2022 2 directors appointed, 2 resigning Director changes
  • Ward Swennen, Bestuurder
  • Ward Swennen, Zaakvoerder
  • Chretien Van de Beek, Bestuurder
  • Chretien Van de Beek, Zaakvoerder
Technical details 
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      "kind": "substantive_delegation",
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      "subkind": "confirmation",
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        "kbo": "0757.893.167",
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        "address": "Elsputtersstraat 1, 3960 Bree",
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      "statutory": "statutair",
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      "evidence_quote": "goedkeuring van de overdracht van 25 aandelen van dokter Reinout Kissel, wonende te 3650 Dilsen-Stokkem, Reinkensweg 22, aan Medket BV, met zetel te 3960 Bree, Elsputtersstraat 1, ingeschreven in het Rechtspersonenregister te Antwerpen, afdeling Tongeren onder het nummer 0757.893.167, vertegenwoordi",
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      },
      "statutory": "statutair",
      "compensated": null,
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      "decharge_status": "granted",
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        "name": "Ward Swennen",
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        "kbo": "0783.821.762",
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      },
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      "compensated": null,
      "effective_date": "2022-03-31",
      "evidence_quote": "goedkeuring van het ontslag als zaakvoerder van dokter Chretien Van de Beek, bovenvermeld, op 31 maart 2022 en verlening van volledige kwijting voor het gevoerde beleid.",
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        "name": "Ward Swennen",
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      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": false,
      "effective_date": "2022-04-01",
      "evidence_quote": "benoeming van dokter Ward Swennen, bovenvermeld, als zaakvoerder van de vennootschap met ingang vanaf 01 april 2022, en dit voor een termijn die loopt vanaf de ingangsdatum van de benoeming tot juist na de jaarvergadering die zal gehouden worden, in het jaar 2026, dit in lijn met de tijdsduur van de",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2026"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Dilsen-Stokkem",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2022-05-24",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2022-04-01",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0863.687.703",
    "name_full": "HET KRUISPUNT",
    "legal_form": "Vennootschap onder Firma"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Annemieke Claes",
    "org_rep_person_name": null,
    "person_role_at_subject": "zaakvoerder"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110
Primary activity highlighted.
Names & trade names
Legal nameNL HET KRUISPUNT
Registered office
Dorpsstraat 7R
3650 Dilsen-Stokkem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative