K & D
ActiveSummary
K & D has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €4k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 44% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+50
Solvency67=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.93 in 2024; short-term debt: 15.3% and cash: 11% of total assets), but 58.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 · 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
41.7%
Return on assets
2.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-06-2026, 57 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
57 d early
2024
36 d early
2023
47 d early
2022
39 d early
2021
46 d early
2020
24 d late
2019
53 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▼ 5.9%
2024 · €68k
2018: €19k
2019: €26k
2020: €34k
2021: €56k
2022: €75k
2023: €83k
2024: €68k
2018 → 2025
Total assets
€154k▼ 5.2%
2024 · €163k
2018: €35k
2019: €165k
2020: €172k
2021: €202k
2022: €188k
2023: €179k
2024: €163k
2018 → 2025
Net result
€4k
2024 · €-9k
2018: €15k
2019: €7k
2020: €8k
2021: €22k
2022: €19k
2023: €8k
2024: €-9k
2018 → 2025
Working capital
€14k▼ 25.8%
2024 · €19k
2018: €17k
2019: €19k
2020: €16k
2021: €28k
2022: €38k
2023: €34k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€75k▲ 33.8%€83k▲ 11.1%€68k▼ 17.7%€64k▼ 5.9%
Operating result€32k-€28k▼ 13.1%€13k▼ 55.0%€-7k€6k
Net result€22k-€19k▼ 13.0%€8k▼ 55.9%€-9k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €154k
Fixed assets
€117k ▼ 5.7%
Current assets
€38k ▼ 3.6%
Equity and liabilities €154k
Equity
€64k ▼ 5.9%
Debt
€90k ▼ 4.7%
Debt's share of the balance-sheet total rises from 58.0% to 58.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€15k▲
2024 · €2k
Cash flow
€13k▲
2024 · €304
Current ratio
1.59▼
2024 · 1.93
Quick ratio
1.14▲
2024 · 0.87
Debt to equity
1.40▲
2024 · 1.38
ROE
6.1%▲
2024 · -12.7%
ROA
2.6%▲
2024 · -5.3%
Interest coverage
9.05▲
2024 · 1.13
Debt ≤ 1 year
€24k▲
2024 · €20k
Debt > 1 year
€66k▼
2024 · €74k
Income taxes
€394
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€163k€154k▼
Fixed assets21/28€124k€117k▼
Tangible fixed assets22/27€124k€117k▼
Land and buildings22€112k€108k▼
Plant, machinery and equipment23€10k€7k▼
Furniture and vehicles24€2k€2k▲
Current assets29/58€39k€38k▼
Stocks and contracts in progress3€21k€11k▼
Contracts in progress37€21k€11k▼
Amounts receivable within one year40/41€6k€8k▲
Trade receivables40-€1k
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€12k€17k▲
Deferred charges and accrued income490/1€59€1k▲
Equity and liabilities
Total equity and liabilities10/49€163k€154k▼
Equity10/15€68k€64k▼
Contributions10/11€6k€6k=
Reserves13€57k€53k▼
Distributable reserves133€57k€53k▼
Profit (loss) carried forward14€5k€5k=
Amounts payable17/49€94k€90k▼
Amounts payable after more than one year17€74k€66k▼
Financial debts170/4€74k€66k▼
Amounts payable within one year42/48€20k€24k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€2k€2k=
Taxes450/3€2k€2k=
Other amounts payable47/48€8k€10k▲
Accrued charges and deferred income492/3€255€268▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€4k€17k▲
Operating profit (loss)9901€-7k€6k▲
Financial income75/76B€55€28▼
Recurring financial income75€55€28▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-9k€4k▲
Income taxes67/77-€394
Profit (loss) for the period9904€-9k€4k▲
Profit (loss) for the period to be appropriated9905€-9k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€9k▲
Profit (loss) brought forward from the previous period14P€14k€5k▼
Transfer from equity791/2€6k€8k▲
Transfer to equity691/2-€4k
To other reserves6921-€4k
Profit to be distributed694/7€6k€8k▲
Return on contributions (dividend)694€6k€8k▲
The notes to these accounts (10 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-9k ▼205%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €22k ▲168%
Operating result €32k, net result €22k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Denderleeuw · 2 establishment units since 2017
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.
Schoolstraat 399470 DenderleeuwGround area
555 m²
Building footprint
299 m²
Volume, LiDAR
1,422 m³
2 parcels, Flanders · tallest building 10.1 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
K & D
since 20172.265.642.163
stockageplaats K & D BV
since 20192.299.238.708
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41076B0541/00C020 | Flanders | 331 m² | 1 · 191 m² | 6.9 m · 1 fl. |
| 41011A0327/00K000 | Flanders | 224 m² | 1 · 109 m² | 10.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2025 · 1 entry · 409 EUR awarded · 409 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 409 EUR | 409 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,189 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2017
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.