K.ractere
ActiveK.ractere has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-29k) and a net result of €-520. Equity is shrinking by ~50.1% per year across the filed fiscal years. Its solvency ranks better than 7% of 674 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
8
/ 100
Critical▲ +1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-91
Solvency33=
Growth32=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.23 against 0.15 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-276.4%
Return on assets
-5%
Age of the figures
17 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 58
Relative position
BE, all sectors
reference
Sector 58
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
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€29k
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 21-11-2025, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
14 d late
2023
1 d early
2022
15 d late
2021
15 d late
2020
130 d late
2019
22 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close13-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€-29k▼ 1.9%
2024 · €-28k
2019: €43k
2020: €49k
2021: €59k
2022: €2k
2023: €-3k
2024: €-28k
2019 → 2025
Total assets
€10k▲ 84.8%
2024 · €6k
2019: €55k
2020: €65k
2021: €84k
2022: €44k
2023: €24k
2024: €6k
2019 → 2025
Net result
€-520▲ 97.9%
2024 · €-25k
2019: €3k
2020: €5k
2021: €10k
2022: €-57k
2023: €-5k
2024: €-25k
2019 → 2025
Working capital
€-30k▼ 9.4%
2024 · €-28k
2019: €43k
2020: €49k
2021: €51k
2022: €-3k
2023: €-5k
2024: €-28k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€2k▼ 95.9%€-3k€-28k▼ 833%€-29k▼ 1.9%
Operating result€8k-€-57k€-5k▲ 91.0%€-25k▼ 381%€-525▲ 97.9%
Net result€10k-€-57k€-5k▲ 90.5%€-25k▼ 362%€-520▲ 97.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €525 in 2025 against €25k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10k
Fixed assets
€2k▲ 102%
Current assets
€9k▲ 82.2%
Key figures and ratios
EBITDA
€-143▲
2024 · €-19k
Cash flow
€-139▲
2024 · €-19k
Solvency
-276.4%▲
2024 · -501.5%
Current ratio
0.23▲
2024 · 0.15
Quick ratio
0.23▲
2024 · 0.15
Debt / equity
-1.36▼
2024 · -1.20
ROE
1.8%▼
2024 · 89.3%
ROA
-5.0%▲
2024 · -447.7%
Interest coverage
-0.41▲
2024 · -52.84
Debt
€39k▲
2024 · €34k
Debt ≤ 1 year
€39k▲
2024 · €32k
Income taxes
€149▲
2024 · €120
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€6k€10k▲
Fixed assets21/28€763€2k▲
Tangible fixed assets22/27€283€1k▲
Furniture and vehicles24€283€1k▲
Financial fixed assets28€480€480=
Current assets29/58€5k€9k▲
Amounts receivable within one year40/41€867€6k▲
Trade receivables40€867€6k▲
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€6k€10k▲
Equity10/15€-28k€-29k▼
Contributions10/11€17k€17k=
Capital10€17k€17k=
Issued capital100€19k€19k=
Uncalled capital101€2k€2k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€-47k€-47k▼
Amounts payable17/49€34k€39k▲
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€32k€39k▲
Current portion of amounts payable after more than one year42€3k€1k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k-
Remuneration and social security454/9-€1k
Other amounts payable47/48€25k€34k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€382▼
Other operating charges640/8€722€387▼
Non-recurring operating charges66A-€724
Gross operating margin9900€-18k€968▲
Operating profit (loss)9901€-25k€-525▲
Financial income75/76B€2€500▲
Recurring financial income75€2€0▼
Non-recurring financial income76B-€500
Financial charges65/66B€355€346▼
Recurring financial charges65€355€346▼
Profit (loss) for the period before taxes9903€-25k€-371▲
Income taxes67/77€120€149▲
Profit (loss) for the period9904€-25k€-520▲
Profit (loss) for the period to be appropriated9905€-25k€-520▲
Appropriation of the result
Profit (loss) to be appropriated9906€-47k€-47k▼
Profit (loss) brought forward from the previous period14P€-22k€-47k▼
The notes to these accounts (7 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
2025
21-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2024
14-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
15-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
31-03
Financial
Weakest financial yearnet €-57k ▼648%
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
31-03
Financial
Highest result since 2019net €10k ▲91.6%
Operating result €8k, net result €10k, both a record.
10-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 130 days late
2019
22-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 22 days late
2018
02-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
08-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 38 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Namur · 2 establishment units since 2004
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.
Rue Erpent-Val(EP) 215101 NamurGround area
316 m²
Building footprint
439 m²
Volume, LiDAR
2,928 m³
2 parcels, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
K.r@ctere
since 20042.138.678.665
Goosto
since 20262.392.732.256
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92039A0272/00E003 | Wallonia | 191 m² | 1 · 329 m² | 7.8 m · 2 fl. |
| 62016B0007/00W002 | Wallonia | 125 m² | 1 · 109 m² | 8.5 m · 2 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.
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Present it
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Of 1,272 companies in sector 58290 we hold annual accounts for 587. 114 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2004
Fiscal year end31-03
Activities, NACEBEL
58290Other software publishing
72210
74201Photography, excluding press photography
74811
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.
Contact details
2 entriesE-mail:info@karactere.be
Phone:+32477293555