K & H
ActiveK & H has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €2k. Equity is shrinking by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 35% of 9098 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
61
/ 100
Healthy▼ -4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-71
Solvency25▼-3
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.19 in 2024), and 84.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
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
15.9%
Return on assets
0.9%
Age of the figures
8 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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
1 d early
2023
6 d late
2022
45 d early
2021
4 d early
2020
on the day
2019
20 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€29k▲ 6.1%
2024 · €27k
2018: €60k
2019: €85k
2020: €109k
2021: €119k
2022: €132k
2023: €63k
2024: €27k
2018 → 2025
Total assets
€181k▲ 23.3%
2024 · €147k
2018: €707k
2019: €842k
2020: €1.15M
2021: €1.11M
2022: €769k
2023: €544k
2024: €147k
2018 → 2025
Net result
€2k▼ 91.3%
2024 · €19k
2018: €35k
2019: €103k
2020: €24k
2021: €80k
2022: €13k
2023: €46k
2024: €19k
2018 → 2025
Working capital
€19k▼ 12.2%
2024 · €22k
2018: €35k
2019: €70k
2020: €89k
2021: €101k
2022: €111k
2023: €55k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€119k-€132k▲ 10.8%€63k▼ 52.4%€27k▼ 57.1%€29k▲ 6.1%
Operating result€85k-€18k▼ 78.7%€57k▲ 215%€28k▼ 51.6%€4k▼ 84.5%
Net result€80k-€13k▼ 83.9%€46k▲ 253%€19k▼ 58.4%€2k▼ 91.3%
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 84% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €181k
Fixed assets
€9k▲ 89.6%
Current assets
€171k▲ 21.0%
Equity and liabilities €181k
Equity
€29k▲ 6.1%
Debt
€152k▲ 27.2%
The debt ratio rises from 81.5% to 84.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€7k▼
2024 · €31k
Cash flow
€5k▼
2024 · €23k
Solvency
15.9%▼
2024 · 18.5%
Current ratio
1.13▼
2024 · 1.19
Quick ratio
1.13▼
2024 · 1.19
Debt / equity
5.29▲
2024 · 4.42
ROE
5.8%▼
2024 · 70.3%
ROA
0.9%▼
2024 · 13.0%
Interest coverage
72.94▼
2024 · 247.82
Debt
€152k▲
2024 · €120k
Debt ≤ 1 year
€152k▲
2024 · €120k
Income taxes
€3k▼
2024 · €9k
Staff costs
€107k▲
2024 · €23k
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€147k€181k▲
Fixed assets21/28€5k€9k▲
Tangible fixed assets22/27€4k€8k▲
Furniture and vehicles24€4k€8k▲
Financial fixed assets28€900€900=
Current assets29/58€142k€171k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€14k€54k▲
Trade receivables40€2k€35k▲
Other amounts receivable41€12k€18k▲
Cash at bank and in hand54/58€128k€118k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€147k€181k▲
Equity10/15€27k€29k▲
Contributions10/11€6k€6k=
Reserves13€0-
Distributable reserves133€0-
Profit (loss) carried forward14€21k€23k▲
Amounts payable17/49€120k€152k▲
Amounts payable within one year42/48€120k€152k▲
Current portion of amounts payable after more than one year42€1k€1k=
Trade debts44€67k€126k▲
Suppliers440/4€67k€126k▲
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€5k€0▼
Remuneration and social security454/9€5k€11k▲
Other amounts payable47/48€42k€14k▼
Income statement
Code20242025
Remuneration, social security and pensions62€23k€107k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€57k€116k▲
Operating profit (loss)9901€28k€4k▼
Financial income75/76B€46€369▲
Recurring financial income75€46€369▲
Financial charges65/66B€126€99▼
Recurring financial charges65€126€99▼
Profit (loss) for the period before taxes9903€28k€5k▼
Income taxes67/77€9k€3k▼
Profit (loss) for the period9904€19k€2k▼
Profit (loss) for the period to be appropriated9905€19k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€23k▼
Profit (loss) brought forward from the previous period14P€48k€21k▼
Transfer from equity791/2€8k€0▼
Profit to be distributed694/7€55k€0▼
Return on contributions (dividend)694€55k€0▼
Directors or managers695€0-
Social balance
Average headcount (FTE)90870.52.1▲
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €2k ▼91.3%
Net result drops to €2k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 6 days late
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €100kEq €109k ▲28.5%
3 profitable years in a row build equity to €109k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
31-12
Financial
Highest result since 2018net €103k ▲194%
Operating result €112k, net result €103k, both a record.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 9 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
25-07
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
1 director, no change since 2024
DON Besloten Vennootschap
CurrentDirector · since 02-01-2024 · Legal entity
02-01-2024
Appointed as Director
Location & real-estate footprint
Registered office, Tielt-Winge · 2 establishment units since 2003
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.
Diestsesteenweg 33390 Tielt-WingeGround area
1,103 m²
Building footprint
304 m²
Volume, LiDAR
922 m³
2 parcels, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
ERA Janssens en Janssens
since 20032.135.065.911
ERA Janssens en Janssens
since 20092.182.083.393
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24106C0393/00R000 | Flanders | 960 m² | 1 · 146 m² | 9.1 m · 2 fl. |
| 24001B0274/00T000 | Flanders | 143 m² | 1 · 158 m² | - |
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
2022 to 2025 · 2 entries · 1,242 EUR awarded · 1,242 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 687 EUR | 687 EUR |
| 2022 | 1 | 555 EUR | 555 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 4,326 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2003
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.