K-Line
ActiveThe computed 12-month bankruptcy probability of K-Line is 1.8% (moderate). The 2025 annual accounts show equity of €111k and a net result of €5k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 48% of 27451 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-26
Solvency70▼-9
Growth52=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.88 against 2.76 in 2024; short-term debt: 32.3% and cash: 0.6% of total assets), but 54.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
45.4%
Return on assets
2.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
26 d late
2024
on the day
2023
on the day
2022
on the day
2021
6 d early
2020
18 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▲ 4.8%
2024 · €106k
2020: €35k
2021: €60k
2022: €69k
2023: €86k
2024: €106k
2020 → 2025
Total assets
€244k▲ 24.9%
2024 · €196k
2020: €104k
2021: €120k
2022: €119k
2023: €124k
2024: €196k
2020 → 2025
Net result
€5k▼ 73.7%
2024 · €19k
2020: €30k
2021: €25k
2022: €9k
2023: €17k
2024: €19k
2020 → 2025
Working capital
€148k▲ 23.4%
2024 · €120k
2020: €22k
2021: €47k
2022: €58k
2023: €74k
2024: €120k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€69k▲ 15.8%€86k▲ 24.8%€106k▲ 22.5%€111k▲ 4.8%
Operating result€31k-€12k▼ 61.6%€20k▲ 71.6%€24k▲ 16.3%€5k▼ 78.6%
Net result€25k-€9k▼ 61.7%€17k▲ 82.0%€19k▲ 13.6%€5k▼ 73.7%
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 2025; 2025 is 79% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €244k
Fixed assets
€17k▲ 130%
Current assets
€227k▲ 20.7%
Equity and liabilities €244k
Equity
€111k▲ 4.8%
Debt
€133k▲ 48.4%
The debt ratio rises from 45.9% to 54.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▼
2024 · €28k
Cash flow
€11k▼
2024 · €23k
Solvency
45.4%▼
2024 · 54.1%
Current ratio
2.88▲
2024 · 2.76
Quick ratio
2.18▼
2024 · 2.28
Debt / equity
1.20▲
2024 · 0.85
ROE
4.6%▼
2024 · 18.4%
ROA
2.1%▼
2024 · 9.9%
Interest coverage
4.03▼
2024 · 17.25
Debt
€133k▲
2024 · €90k
Debt ≤ 1 year
€79k▲
2024 · €68k
Debt > 1 year
€55k▲
2024 · €22k
Income taxes
€2k▼
2024 · €6k
Staff costs
€32k▼
2024 · €39k
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€196k€244k▲
Fixed assets21/28€7k€17k▲
Intangible fixed assets21-€7k
Tangible fixed assets22/27€7k€10k▲
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€441€4k▲
Other tangible fixed assets26€3k€3k▼
Current assets29/58€188k€227k▲
Stocks and contracts in progress3€33k€55k▲
Stocks30/36€33k€55k▲
Amounts receivable within one year40/41€152k€167k▲
Trade receivables40€97k€92k▼
Other amounts receivable41€55k€75k▲
Cash at bank and in hand54/58€2k€2k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€196k€244k▲
Equity10/15€106k€111k▲
Contributions10/11€5k€5k=
Reserves13€101k€106k▲
Distributable reserves133€101k€106k▲
Amounts payable17/49€90k€133k▲
Amounts payable after more than one year17€22k€55k▲
Financial debts170/4€22k€55k▲
Amounts payable within one year42/48€68k€79k▲
Current portion of amounts payable after more than one year42€6k€15k▲
Trade debts44€48k€60k▲
Suppliers440/4€48k€60k▲
Taxes, remuneration and social security45€14k€4k▼
Taxes450/3€8k€4k▼
Remuneration and social security454/9€6k-
Income statement
Code20242025
Remuneration, social security and pensions62€39k€32k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€689€1k▲
Gross operating margin9900€68k€44k▼
Operating profit (loss)9901€24k€5k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€25k€7k▼
Income taxes67/77€6k€2k▼
Profit (loss) for the period9904€19k€5k▼
Profit (loss) for the period to be appropriated9905€19k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€5k▼
Transfer to equity691/2€19k€5k▼
To other reserves6921€19k€5k▼
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet €5k ▼73.7%
Net result drops to €5k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €106k ▲22.5%
5 profitable years in a row build equity to €106k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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 2019
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.
Isabellalei 1352018 AntwerpenGround area
153 m²
Building footprint
106 m²
Volume, LiDAR
1,078 m³
Parcel 11806F1317/00R011, Flanders · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
K-Line
since 20192.291.700.224
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1317/00R011 | Flanders | 153 m² | 1 · 106 m² | 13.2 m · 4 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
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BE 0800.948.893
Antwerpen · Eq €111k
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BE 0458.899.476
De Haan · Eq €111k
A.C.R.S.
BE 0465.287.620
Mons · Eq €110k
Midas Meesterschilders
BE 0787.874.778
Antwerpen · Eq €111k
HR-Decor
BE 0462.652.584
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Of 7,864 companies in sector 43341 we hold annual accounts for 2,662. 2,241 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-07-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43341Painting of buildings
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.