KAMI
ActiveKAMI has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €966. Equity is shrinking by ~27.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 86% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▲+60
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 5.28 against 4.06 in 2024; short-term debt: 18.5% and cash: 93.2% of total assets), and 18.5% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
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
81.5%
Return on assets
9.7%
Age of the figures
9 mo
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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
30 d late
2022
30 d late
2021
18 d late
2020
31 d late
2019
67 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▲ 13.4%
2024 · €7k
2018: €68k
2019: €64k
2020: €30k
2021: €44k
2022: €35k
2023: €15k
2024: €7k
2018 → 2025
Total assets
€10k▲ 6.2%
2024 · €9k
2018: €109k
2019: €127k
2020: €51k
2021: €51k
2022: €40k
2023: €26k
2024: €9k
2018 → 2025
Net result
€966
2024 · €-8k
2018: €2k
2019: €-5k
2020: €-33k
2021: €13k
2022: €-9k
2023: €-19k
2024: €-8k
2018 → 2025
Working capital
€8k▲ 16.2%
2024 · €7k
2018: €55k
2019: €54k
2020: €26k
2021: €40k
2022: €34k
2023: €15k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€35k▼ 20.4%€15k▼ 56.1%€7k▼ 52.8%€8k▲ 13.4%
Operating result€15k-€-8k€-19k▼ 137%€-7k▲ 61.6%€1k
Net result€13k-€-9k€-19k▼ 118%€-8k▲ 58.7%€966
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10k
Fixed assets
€215▼ 39.5%
Current assets
€10k▲ 8.0%
Equity and liabilities €10k
Equity
€8k▲ 13.4%
Debt
€2k▼ 17.0%
The debt ratio falls from 23.7% to 18.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2k▲
2024 · €-7k
Cash flow
€1k▲
2024 · €-8k
Solvency
81.5%▲
2024 · 76.3%
Current ratio
5.28▲
2024 · 4.06
Quick ratio
5.28▲
2024 · 4.06
Debt / equity
0.23▼
2024 · 0.31
ROE
11.9%▲
2024 · -111.7%
ROA
9.7%▲
2024 · -85.2%
Interest coverage
3.53▲
2024 · -7.63
Debt
€2k▼
2024 · €2k
Debt ≤ 1 year
€2k▼
2024 · €2k
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€9k€10k▲
Fixed assets21/28€356€215▼
Tangible fixed assets22/27€356€215▼
Furniture and vehicles24€356€215▼
Current assets29/58€9k€10k▲
Amounts receivable within one year40/41€4k€463▼
Trade receivables40€360€273▼
Other amounts receivable41€4k€190▼
Cash at bank and in hand54/58€5k€9k▲
Equity and liabilities
Total equity and liabilities10/49€9k€10k▲
Equity10/15€7k€8k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-13k€-12k▲
Amounts payable17/49€2k€2k▼
Amounts payable within one year42/48€2k€2k▼
Other amounts payable47/48€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€140€140=
Other operating charges640/8€3k-
Gross operating margin9900€-4k€2k▲
Operating profit (loss)9901€-7k€1k▲
Financial income75/76B€17-
Recurring financial income75€17-
Financial charges65/66B€915€437▼
Recurring financial charges65€915€437▼
Profit (loss) for the period before taxes9903€-8k€966▲
Profit (loss) for the period9904€-8k€966▲
Profit (loss) for the period to be appropriated9905€-8k€966▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-12k▲
Profit (loss) brought forward from the previous period14P€-5k€-13k▼
The notes to these accounts (5 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
Back to profitnet €966
Net result €966 after 3 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 6.25
Current ratio from 2.27 to 6.25; short-term debt falls from €21k to €8k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Sint-Genesius-Rode · 1 establishment unit since 2002
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.
Molenweg 151640 Sint-Genesius-RodeGround area
1,448 m²
Building footprint
275 m²
Volume, LiDAR
2,244 m³
2 parcels, Brussels, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ijzerkruisenlaan 9, 1120 Brussel
since 20022.114.143.605
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552E0035/00B003 | Flanders | 951 m² | 1 · 110 m² | 10.0 m · 2 fl. |
| 21819D0192/00B003 | Brussels | 498 m² | 1 · 165 m² | 11.8 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.
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BE 1003.129.557
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DELTRO
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Bouwonderneming Verhoestraete
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Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 1,346 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-08-2002
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
45112
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43320Joinery installation
43990Other specialised construction activities
43999Specialised construction activities
45250
45421
45422
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.