K.M.
ActiveThe computed 12-month bankruptcy probability of K.M. is 2.4% (moderate). The 2025 annual accounts show equity of €44k and a net result of €-93k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 40% of 4454 sector peers (fiscal year 2025). The company has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
17
/ 100
Critical▼ -72 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-47
Solvency42▼-40
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.83 against 1.32 in 2024), and 70.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.4%
Return on assets
-61.5%
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
19 d late
2023
6 d early
2022
6 d early
2021
30 d early
2020
2 d early
2019
on the day
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▼ 67.6%
2024 · €137k
2018: €39k
2019: €64k
2020: €56k
2021: €170k
2022: €125k
2023: €124k
2024: €137k
2018 → 2025
Total assets
€151k▼ 39.6%
2024 · €249k
2018: €253k
2019: €276k
2020: €221k
2021: €261k
2022: €226k
2023: €239k
2024: €249k
2018 → 2025
Net result
€-93k
2024 · €13k
2018: €9k
2019: €25k
2020: €-9k
2021: €115k
2022: €-46k
2023: €-472
2024: €13k
2018 → 2025
Working capital
€-16k
2024 · €33k
2018: €-83k
2019: €-51k
2020: €-5k
2021: €84k
2022: €55k
2023: €99k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€170k-€125k▼ 26.8%€124k▼ 0.4%€137k▲ 10.4%€44k▼ 67.6%
Operating result€122k-€-37k€8k€20k▲ 135%€-88k
Net result€115k-€-46k€-472▲ 99.0%€13k€-93k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €88k after €20k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151k
Fixed assets
€71k▼ 36.4%
Current assets
€80k▼ 42.1%
Equity and liabilities €151k
Equity
€44k▼ 67.6%
Debt
€106k▼ 5.4%
The debt ratio rises from 45.1% to 70.6%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-41k▼
2024 · €69k
Cash flow
€-45k▼
2024 · €62k
Solvency
29.4%▼
2024 · 54.9%
Current ratio
0.83▼
2024 · 1.32
Quick ratio
0.83▼
2024 · 1.32
Debt / equity
2.40▲
2024 · 0.82
ROE
-209.0%▼
2024 · 9.4%
ROA
-61.5%▼
2024 · 5.2%
Interest coverage
-8.82▼
2024 · 9.92
Debt
€106k▼
2024 · €112k
Debt ≤ 1 year
€96k▼
2024 · €105k
Debt > 1 year
€11k▲
2024 · €5k
Staff costs
€417k▲
2024 · €354k
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€249k€151k▼
Fixed assets21/28€112k€71k▼
Tangible fixed assets22/27€112k€71k▼
Furniture and vehicles24€112k€71k▼
Current assets29/58€138k€80k▼
Amounts receivable within one year40/41€90k€44k▼
Trade receivables40€52k€38k▼
Other amounts receivable41€39k€6k▼
Cash at bank and in hand54/58€26k€25k▼
Deferred charges and accrued income490/1€21k€11k▼
Equity and liabilities
Total equity and liabilities10/49€249k€151k▼
Equity10/15€137k€44k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€117k€24k▼
Amounts payable17/49€112k€106k▼
Amounts payable after more than one year17€5k€11k▲
Financial debts170/4€5k€11k▲
Amounts payable within one year42/48€105k€96k▼
Trade debts44€71k€49k▼
Suppliers440/4€71k€49k▼
Taxes, remuneration and social security45€34k€47k▲
Taxes450/3€1k-
Remuneration and social security454/9€33k€47k▲
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Remuneration, social security and pensions62€354k€417k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€48k▼
Other operating charges640/8€2k€19k▲
Non-recurring operating charges66A-€8k
Gross operating margin9900€425k€403k▼
Operating profit (loss)9901€20k€-88k▼
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€13k€-93k▼
Profit (loss) for the period9904€13k€-93k▼
Profit (loss) for the period to be appropriated9905€13k€-93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€117k€24k▼
Profit (loss) brought forward from the previous period14P€104k€117k▲
The notes to these accounts (8 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-93k ▼818%
Net result drops to €-93k, the lowest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €115k
Net result €115k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.34
Current ratio from 0.95 to 2.34; short-term debt falls from €82k to €63k.
31-12
Financial
Equity above €150kEq €170k ▲206%
Equity rises from €56k to €170k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2024
EL ACHKAR, Abderrahman
CurrentDirector · since 28-06-2024
ELACHKAR, Mohamed Anis
CurrentDirector · since 28-06-2024
28-06-2024
EL ACHKAR, Abderrahman: Resigned as Gérant
28-06-2024
EL ACHKAR, Abderrahman: Appointed as Director
28-06-2024
ELACHKAR, Mohamed Anis: Resigned as Gérant
28-06-2024
ELACHKAR, Mohamed Anis: Appointed as Director
Location & real-estate footprint
Registered office, Anderlecht · 2 establishment units since 1985
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.
Obusstraat 831070 AnderlechtGround area
761 m²
Building footprint
888 m²
Volume, LiDAR
7,296 m³
2 parcels, Brussels · tallest building 16.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Obusstraat 83, 1070 Anderlecht
since 19852.026.885.571
KM
since 20042.314.399.016
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0055/00H013 | Brussels | 408 m² | 1 · 367 m² | 13.1 m · 1 fl. |
| 21304B0039/00G005 | Brussels | 354 m² | 1 · 520 m² | 16.6 m · 3 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.
Similar companies · same sector, comparable size
TNH SERVICES
BE 0771.446.344
Jette · Eq €44k
DIA-SERVICES
BE 0475.439.659
Roeselare · Eq €44k
BOVI BELGIUM
BE 0564.767.355
Antwerpen · Eq €44k
ADAM CONCEPT
BE 0707.603.518
Brussel · Eq €44k
JULIA.R
BE 1012.180.449
Beveren · Eq €45k
Of 956 companies in sector 49310 we hold annual accounts for 479. 331 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-1985
Fiscal year end31-12
Activities, NACEBEL
49310Scheduled passenger transport by road
49320Taxi operation
49330On-demand passenger transport by chauffeured vehicle
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.