K5 GROUP
ActiveThe annual accounts of K5 GROUP for fiscal year 2025 show a net loss of 54% of the equity at the start of that year. The 2025 annual accounts show equity of €105k and a net result of €-124k. Equity is shrinking by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 25% of 31584 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
47
/ 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
Profitability0▼-61
Solvency48▼-17
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.3 against 2.39 in 2024; short-term debt: 7.6% and cash: 0% of total assets), but 77.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
22.9%
Return on assets
-26.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year €-124k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 6 filingsDeviation from the deadline
2025
27 d late
2024
on the day
2023
14 d early
2022
2 d late
2021
22 d early
2020
9 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-124k▼ 266%
2024 · €-34k
2020: €-50k
2021: €-52k
2022: €-35k
2023: €-49k
2024: €-34k
2020 → 2025
Working capital
€45k▼ 30.9%
2024 · €65k
2020: €51k
2021: €-12k
2022: €-21k
2023: €43k
2024: €65k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€298k-€262k▼ 11.9%€263k▲ 0.3%€229k▼ 12.9%€105k▼ 54.1%
Operating result€-46k-€-30k▲ 34.1%€-44k▼ 46.7%€-29k▲ 34.6%€-119k▼ 313%
Net result€-52k-€-35k▲ 32.7%€-49k▼ 39.5%€-34k▲ 31.4%€-124k▼ 266%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €119k in 2025 against €29k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €460k
Fixed assets
€381k▼ 16.8%
Current assets
€80k▼ 29.0%
Equity and liabilities €460k
Equity
€105k▼ 54.1%
Debt
€355k▲ 4.3%
The debt ratio rises from 59.8% to 77.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-43k▼
2024 · €48k
Cash flow
€-47k▼
2024 · €43k
Solvency
22.9%▼
2024 · 40.2%
Current ratio
2.30▼
2024 · 2.39
Quick ratio
2.30▼
2024 · 2.39
Debt / equity
3.38▲
2024 · 1.49
ROE
-117.7%▼
2024 · -14.8%
ROA
-26.9%▼
2024 · -5.9%
Interest coverage
-9.83▼
2024 · 9.66
Debt
€355k▲
2024 · €341k
Debt ≤ 1 year
€35k▼
2024 · €47k
Debt > 1 year
€320k▲
2024 · €293k
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€570k€460k▼
Fixed assets21/28€457k€381k▼
Tangible fixed assets22/27€457k€381k▼
Plant, machinery and equipment23€129k€106k▼
Furniture and vehicles24€6k€2k▼
Other tangible fixed assets26€322k€272k▼
Current assets29/58€113k€80k▼
Amounts receivable within one year40/41€108k€80k▼
Trade receivables40€73k€35k▼
Other amounts receivable41€35k€45k▲
Cash at bank and in hand54/58€4k€27▼
Deferred charges and accrued income490/1-€348
Equity and liabilities
Total equity and liabilities10/49€570k€460k▼
Equity10/15€229k€105k▼
Contributions10/11€450k€450k=
Profit (loss) carried forward14€-221k€-345k▼
Amounts payable17/49€341k€355k▲
Amounts payable after more than one year17€293k€320k▲
Financial debts170/4€293k€320k▲
Amounts payable within one year42/48€47k€35k▼
Current portion of amounts payable after more than one year42€38k€20k▼
Trade debts44€2k€2k=
Suppliers440/4€2k€2k=
Taxes, remuneration and social security45€8k€2k▼
Taxes450/3€8k€2k▼
Other amounts payable47/48-€11k
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€77k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€97k
Gross operating margin9900€48k€54k▲
Operating profit (loss)9901€-29k€-119k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€-34k€-124k▼
Profit (loss) for the period9904€-34k€-124k▼
Profit (loss) for the period to be appropriated9905€-34k€-124k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-221k€-345k▼
Profit (loss) brought forward from the previous period14P€-187k€-221k▼
The notes to these accounts (6 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-124k
Net result drops to €-124k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 2.10
Current ratio from 0.71 to 2.10; short-term debt falls from €71k to €39k.
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 2 days late
2022
09-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
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
6 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, Mont-de-l'Enclus · 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.
Chemin Fils(AN) 27750 Mont-de-l'EnclusGround area
1,221 m²
Building footprint
243 m²
Volume, LiDAR
1,514 m³
Parcel 57002A0221/00_000, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
K5 GROUP
since 20192.293.476.908
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57002A0221/00_000 | Wallonia | 1,221 m² | 1 · 243 m² | 9.6 m · 2 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.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,676 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46180Agents specialised in the wholesale of other particular products
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.