KAAT VAN DAELE
ActiveSummary
The computed 12-month bankruptcy probability of KAAT VAN DAELE is 1.6% (moderate). The 2025 annual accounts show equity of €125k and a net result of €56k. Equity is growing by ~131.1% per year across the filed fiscal years. Its solvency ranks better than 27% of 18280 sector peers (fiscal year 2025). The company has been active since 2022 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
Profitability47=
Solvency31▲+2
Growth78=
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.98 in 2024; short-term debt: 12% and cash: 6.7% of total assets), and 93.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 47
Relative position
BE, all sectors
reference
Sector 47
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
6.5%
Return on assets
2.9%
Age of the figures
9 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 07-07-2026, 24 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
24 d early
2024
25 d late
2023
27 d late
2022
231 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€125k▲ 81.0%
2024 · €69k
2022: €4k
2023: €4k
2024: €69k
2022 → 2025
Total assets
€1.94M▼ 1.2%
2024 · €1.96M
2022: €369k
2023: €2.12M
2024: €1.96M
2022 → 2025
Net result
€56k▼ 13.5%
2024 · €65k
2022: €2k
2023: €855
2024: €65k
2022 → 2025
Working capital
€105k▼ 53.5%
2024 · €226k
2022: €69k
2023: €735k
2024: €226k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€4k▲ 23.8%€69k▲ 1,452%€125k▲ 81.0%
Operating result€-2k-€20k€115k▲ 464%€124k▲ 7.4%
Net result€2k-€855▼ 46.5%€65k▲ 7,459%€56k▼ 13.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.94M
Fixed assets
€1.60M ▲ 6.5%
Current assets
€337k ▼ 26.3%
Equity and liabilities €1.94M
Equity
€125k ▲ 81.0%
Debt
€1.81M ▼ 4.2%
Debt's share of the balance-sheet total falls from 96.5% to 93.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€179k▲
2024 · €152k
Cash flow
€111k▲
2024 · €102k
Current ratio
1.45▼
2024 · 1.98
Quick ratio
0.88▼
2024 · 1.14
Debt to equity
14.48▼
2024 · 27.34
ROE
44.7%▼
2024 · 93.6%
ROA
2.9%▼
2024 · 3.3%
Interest coverage
2.97▲
2024 · 2.95
Debt ≤ 1 year
€232k▲
2024 · €231k
Debt > 1 year
€1.58M▼
2024 · €1.65M
Income taxes
€9k
Staff costs
€25k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.96M€1.94M▼
Fixed assets21/28€1.50M€1.60M▲
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€1.50M€1.60M▲
Land and buildings22€1.49M€1.59M▲
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€5k€5k▲
Assets under construction and advance payments27€0-
Current assets29/58€458k€337k▼
Stocks and contracts in progress3€193k€133k▼
Stocks30/36€193k€133k▼
Amounts receivable within one year40/41€190k€73k▼
Trade receivables40€16k€62k▲
Other amounts receivable41€174k€12k▼
Cash at bank and in hand54/58€73k€129k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.96M€1.94M▼
Equity10/15€69k€125k▲
Contributions10/11€2k€2k=
Reserves13€67k€123k▲
Distributable reserves133€67k€123k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€1.89M€1.81M▼
Amounts payable after more than one year17€1.65M€1.58M▼
Financial debts170/4€1.65M€1.58M▼
Amounts payable within one year42/48€231k€232k▲
Current portion of amounts payable after more than one year42€70k€72k▲
Financial debts43€4€0▼
Credit institutions430/8€4€0▼
Trade debts44€62k€65k▲
Suppliers440/4€62k€65k▲
Advances received on contracts in progress46€53k€38k▼
Taxes, remuneration and social security45€18k€30k▲
Taxes450/3€16k€27k▲
Remuneration and social security454/9€1k€3k▲
Other amounts payable47/48€29k€27k▼
Accrued charges and deferred income492/3€7k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€25k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€55k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€160k€210k▲
Operating profit (loss)9901€115k€124k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€52k€60k▲
Recurring financial charges65€52k€60k▲
Profit (loss) for the period before taxes9903€65k€65k▲
Income taxes67/77-€9k
Profit (loss) for the period9904€65k€56k▼
Profit (loss) for the period to be appropriated9905€65k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€56k▼
Profit (loss) brought forward from the previous period14P€2k€0▼
Transfer to equity691/2€67k€56k▼
To other reserves6921€67k€56k▼
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €125k ▲81%
4 profitable years in a row build equity to €125k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Highest result since 2022net €65k ▲7459%
Net result €65k, the highest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
18-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 231 days late
2023
31-12
Financial
Weakest financial yearnet €855 ▼46.5%
Net result drops to €855, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 3.06
Current ratio from 1.36 to 3.06.
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, Gent · 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.
Kortrijksesteenweg 11599051 GentGround area
460 m²
Parcel 44062C0102/00W000, Flanders. Linked by address, not a title deed.
1 establishment unit
Petit Coeur
since 20222.329.960.289
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44062C0102/00W000 | Flanders | 460 m² | - | - |
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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.329.960.289
Similar companies · same sector, comparable size
BABY STORE
BE 0778.463.305
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MAMAURI
BE 0834.354.507
Kuurne · Eq €115k
It's Cleaning Team
BE 0772.798.109
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BB SJIEK
BE 0677.897.168
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B.D.C.
BE 0427.694.774
Sint-Gillis (bij-Brussel) · Eq €112k
Of 284 companies in sector 47554 we hold annual accounts for 92. 67 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47554Retail trade
47242Retail sale of chocolate and confectionery
47713Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.