K&U GROUP

Active

Private limited companyfounded 20224 yrs activeVerbroederingslaan 86, 9060 Zelzate, BelgiumKBO/BCE: BE 0790.352.337

The computed 12-month bankruptcy probability of K&U GROUP is 1.9% (moderate). The 2025 annual accounts show equity of €150k and a net result of €48k. Its solvency ranks better than 41% of 1290 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

86 / 100

Excellent▲ +5 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency74▲+13

Growth52

Stability94

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €13k at 30 days acceptable

Liquidity ample (current ratio 1.69 against 1.39 in 2024), but 62.4% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 33

Relative position

BE, all sectors

reference

Sector 33

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

37.6%

Return on assets

12.1%

Age of the figures

14 mo

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-01-2026, 16 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

16 d early

2024

7 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close12-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€150k▲ 47.4%

2024 · €102k

2024: €102k

2024 → 2025

Total assets

€400k▲ 32.3%

2024 · €302k

2024: €302k

2024 → 2025

Net result

€48k▼ 52.4%

2024 · €101k

2024: €101k

2024 → 2025

Working capital

€119k▲ 236%

2024 · €35k

2024: €35k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€102k-€150k▲ 47.4%

Operating result€141k-€73k▼ 48.5%

Net result€101k-€48k▼ 52.4%

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 48% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €400k

27.3%

72.7%

Fixed assets €109k▼ 38.2%

Current assets €291k▲ 131%

Equity and liabilities €400k

37.6%

62.4%

Equity €150k▲ 47.4%

Debt €250k▲ 24.6%

The debt ratio falls from 66.3% to 62.4%: equity grows faster than debt.

Key figures and ratios

2025 value · change against 2024

EBITDA

€100k▼

2024 · €176k

Cash flow

€76k▼

2024 · €136k

Solvency

37.6%▲

2024 · 33.7%

Current ratio

1.69▲

2024 · 1.39

Quick ratio

1.69▲

2024 · 1.39

Debt / equity

1.66▼

2024 · 1.97

ROE

32.1%▼

2024 · 99.5%

ROA

12.1%▼

2024 · 33.5%

Interest coverage

17.75▼

2024 · 32.30

Debt

€250k▲

2024 · €200k

Debt ≤ 1 year

€172k▲

2024 · €90k

Debt > 1 year

€78k▼

2024 · €110k

Income taxes

€19k▼

2024 · €34k

Staff costs

€47k▲

2024 · €25k

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€302k€400k▲

Fixed assets21/28€177k€109k▼

Tangible fixed assets22/27€177k€109k▼

Plant, machinery and equipment23€633€210▼

Furniture and vehicles24€176k€109k▼

Current assets29/58€126k€291k▲

Amounts receivable within one year40/41€42k€214k▲

Trade receivables40€42k€207k▲

Other amounts receivable41-€6k

Cash at bank and in hand54/58€79k€73k▼

Deferred charges and accrued income490/1€4k€4k▼

Equity and liabilities

Total equity and liabilities10/49€302k€400k▲

Equity10/15€102k€150k▲

Contributions10/11€500€500=

Reserves13€101k€150k▲

Distributable reserves133€101k€150k▲

Amounts payable17/49€200k€250k▲

Amounts payable after more than one year17€110k€78k▼

Financial debts170/4€110k€78k▼

Amounts payable within one year42/48€90k€172k▲

Current portion of amounts payable after more than one year42€31k€32k▲

Trade debts44€9k€56k▲

Suppliers440/4€9k€56k▲

Taxes, remuneration and social security45€50k€84k▲

Taxes450/3€45k€58k▲

Remuneration and social security454/9€5k€26k▲

Other amounts payable47/48€38-

Income statement Code20242025

Non-recurring operating income76A-€9k

Remuneration, social security and pensions62€25k€47k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€27k▼

Other operating charges640/8€994€838▼

Non-recurring operating charges66A-€2

Gross operating margin9900€202k€148k▼

Operating profit (loss)9901€141k€73k▼

Financial income75/76B€1€81▲

Recurring financial income75€1€81▲

Financial charges65/66B€5k€6k▲

Recurring financial charges65€5k€6k▲

Profit (loss) for the period before taxes9903€136k€67k▼

Income taxes67/77€34k€19k▼

Profit (loss) for the period9904€101k€48k▼

Profit (loss) for the period to be appropriated9905€101k€48k▼

Appropriation of the result

Profit (loss) to be appropriated9906€101k€48k▼

Transfer to equity691/2€101k€48k▼

To other reserves6921€101k€48k▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-01-2027

2026

15-01

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-06

Financial Equity above €150kEq €150k ▲47.4%

2 profitable years in a row build equity to €150k.

07-02

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 7 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Zelzate · 1 establishment unit since 2022

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.

Verbroederingslaan 869060 Zelzate

Ground area

465 m²

Building footprint

138 m²

Volume, LiDAR

497 m³

Parcel 43302C0452/00R000, Flanders · tallest building 4.9 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

SMT Industrial Services

Verbroederingslaan 86, 9060 ZelzateRepair and maintenance of machinery

since 20222.337.120.473

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
43302C0452/00R000	Flanders	465 m²	1 · 137 m²	4.9 m · 1 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

Nazareth-De Pinte · Eq €150k

GHARACHO SPUTNIK

BE 0755.409.868

Oostende · Eq €149k

Of 1,221 companies in sector 33200 we hold annual accounts for 675. 531 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded01-09-2022

Fiscal year end30-06

Activities, NACEBEL

33200Installation of industrial machinery and equipment

33120Repair and maintenance of machinery

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.