K & F
ActiveK & F has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €309k and a net result of €52k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▼-9
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.21 against 5.08 in 2023; short-term debt: 12.1% and cash: 2.6% of total assets), and 21.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
30 d early
2022
22 d late
2021
20 d early
2020
9 d late
2019
32 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€309k▲ 20.4%
2023 · €256k
2018: €64k
2019: €121k
2020: €155k
2021: €175k
2022: €197k
2023: €256k
2018 → 2024
Total assets
€392k▲ 30.7%
2023 · €300k
2018: €192k
2019: €242k
2020: €249k
2021: €239k
2022: €254k
2023: €300k
2018 → 2024
Net result
€52k▼ 12.1%
2023 · €59k
2018: €19k
2019: €57k
2020: €34k
2021: €20k
2022: €22k
2023: €59k
2018 → 2024
Working capital
€105k▲ 51.0%
2023 · €70k
2018: €-3k
2019: €51k
2020: €79k
2021: €96k
2022: €17k
2023: €70k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€155k-€175k▲ 12.6%€197k▲ 12.7%€256k▲ 30.2%€309k▲ 20.4%
Operating result€53k-€33k▼ 38.6%€31k▼ 5.2%€90k▲ 193%€81k▼ 10.7%
Net result€34k-€20k▼ 42.2%€22k▲ 13.6%€59k▲ 167%€52k▼ 12.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 11% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €392k
Fixed assets
€239k▲ 12.2%
Current assets
€153k▲ 76.1%
Equity and liabilities €392k
Equity
€309k▲ 20.4%
Debt
€83k▲ 92.1%
The debt ratio rises from 14.4% to 21.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€89k▼
2023 · €95k
Cash flow
€61k▼
2023 · €64k
Solvency
78.8%▼
2023 · 85.6%
Current ratio
3.21▼
2023 · 5.08
Quick ratio
3.21▼
2023 · 5.08
Debt / equity
0.27▲
2023 · 0.17
ROE
16.9%▼
2023 · 23.2%
ROA
13.3%▼
2023 · 19.8%
Interest coverage
106.89▼
2023 · 147.78
Debt
€83k▲
2023 · €43k
Debt ≤ 1 year
€48k▲
2023 · €17k
Debt > 1 year
€35k▲
2023 · €26k
Income taxes
€28k▼
2023 · €30k
Staff costs
€3k▲
2023 · €827
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€300k€392k▲
Fixed assets21/28€213k€239k▲
Tangible fixed assets22/27€213k€239k▲
Land and buildings22€190k€188k▼
Plant, machinery and equipment23€17k€17k▼
Furniture and vehicles24€5k€34k▲
Current assets29/58€87k€153k▲
Amounts receivable within one year40/41€10k€14k▲
Trade receivables40€10k€14k▲
Other amounts receivable41€0-
Current investments50/53€70k€129k▲
Cash at bank and in hand54/58€6k€10k▲
Deferred charges and accrued income490/1€243€501▲
Equity and liabilities
Total equity and liabilities10/49€300k€392k▲
Equity10/15€256k€309k▲
Contributions10/11€8k€8k=
Reserves13€237k€290k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€237k€290k▲
Profit (loss) carried forward14€11k€11k=
Amounts payable17/49€43k€83k▲
Amounts payable after more than one year17€26k€35k▲
Financial debts170/4€26k€35k▲
Amounts payable within one year42/48€17k€48k▲
Current portion of amounts payable after more than one year42€10k€21k▲
Trade debts44€922€1k▲
Suppliers440/4€922€1k▲
Taxes, remuneration and social security45€6k€10k▲
Taxes450/3€6k€10k▲
Other amounts payable47/48€174€16k▲
Income statement
Code20232024
Remuneration, social security and pensions62€827€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€9k▲
Other operating charges640/8€629€589▼
Gross operating margin9900€97k€93k▼
Operating profit (loss)9901€90k€81k▼
Financial income75/76B€0€205▲
Recurring financial income75€0€205▲
Financial charges65/66B€646€836▲
Recurring financial charges65€646€836▲
Profit (loss) for the period before taxes9903€90k€80k▼
Income taxes67/77€30k€28k▼
Profit (loss) for the period9904€59k€52k▼
Profit (loss) for the period to be appropriated9905€59k€52k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€63k▼
Profit (loss) brought forward from the previous period14P€11k€11k=
Transfer to equity691/2€59k€52k▼
To other reserves6921€59k€52k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €59k ▲167%
Operating result €90k, net result €59k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 5.08
Current ratio from 1.80 to 5.08; short-term debt falls from €21k to €17k.
31-12
Financial
Equity above €200kEq €256k ▲30.2%
6 profitable years in a row build equity to €256k.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 6.33
Current ratio from 3.02 to 6.33; short-term debt falls from €39k to €18k.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Equity above €150kEq €155k ▲27.9%
3 profitable years in a row build equity to €155k.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 1.93
Current ratio from 0.94 to 1.93.
31-12
Financial
Equity above €100kEq €121k ▲88.1%
2 profitable years in a row build equity to €121k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
18-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 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.
Kattendijkdok-Westkaai 712000 AntwerpenGround area
1.5 ha
Building footprint
431 m²
Parcel 11807G0129/05_000, Flanders. Linked by address, not a title deed.
1 establishment unit
K & F
since 20082.171.416.066
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G0129/05_000 | Flanders | 1.5 ha | 1 · 431 m² | - |
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
TenderPlate
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LINLOR SERVICEBURO
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JEAN MULS MANAGEMENT & CONSULTING
BE 0820.376.411
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A4Value
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HERMANO
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 37,973 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-06-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
73200Market research and public opinion polling
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.