KAP INVEST
ActiveSummary
KAP INVEST has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €256k and a net result of €-11k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 19% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-46
Solvency39▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.87 against 0.79 in 2024; short-term debt: 65.4% and cash: 2.9% of total assets), and 86.4% 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
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 →
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 · 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
13.6%
Return on assets
-0.6%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-01-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
4 d early
2023
3 d early
2022
4 d early
2021
3 d early
2020
1 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€256k▼ 12.7%
2024 · €293k
2019: €106k
2020: €198k
2021: €194k
2022: €217k
2023: €172k
2024: €293k
2019 → 2025
Total assets
€1.89M▲ 30.9%
2024 · €1.44M
2019: €697k
2020: €703k
2021: €748k
2022: €847k
2023: €984k
2024: €1.44M
2019 → 2025
Net result
€-11k
2024 · €121k
2019: €47k
2020: €93k
2021: €-4k
2022: €23k
2023: €-45k
2024: €121k
2019 → 2025
Working capital
€-165k▼ 6.7%
2024 · €-154k
2019: €-51k
2020: €262k
2021: €308k
2022: €125k
2023: €-26k
2024: €-154k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€194k-€217k▲ 12.0%€172k▼ 20.6%€293k▲ 70.4%€256k▼ 12.7%
Operating result€2k-€47k▲ 2,382%€-33k€187k€28k▼ 84.8%
Net result€-4k-€23k€-45k€121k€-11k
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 85% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.89M
Fixed assets
€816k ▼ 6.1%
Current assets
€1.07M ▲ 87.0%
Equity and liabilities €1.89M
Equity
€256k ▼ 12.7%
Provisions
€17k ▼ 9.9%
Debt
€1.61M ▲ 42.9%
Debt's share of the balance-sheet total rises from 78.3% to 85.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€82k▼
2024 · €252k
Cash flow
€43k▼
2024 · €187k
Current ratio
0.87▲
2024 · 0.79
Debt to equity
6.29▲
2024 · 3.84
ROE
-4.2%▼
2024 · 41.3%
ROA
-0.6%▼
2024 · 8.4%
Interest coverage
1.75▼
2024 · 7.52
Debt ≤ 1 year
€1.23M▲
2024 · €726k
Debt > 1 year
€377k▼
2024 · €402k
Income taxes
€18k▼
2024 · €34k
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 · 60 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.44M€1.89M▲
Fixed assets21/28€869k€816k▼
Tangible fixed assets22/27€849k€801k▼
Land and buildings22€679k€655k▼
Furniture and vehicles24€2k€176▼
Other tangible fixed assets26€167k€146k▼
Financial fixed assets28€20k€15k▼
Current assets29/58€572k€1.07M▲
Amounts receivable within one year40/41€46k€774k▲
Trade receivables40€32k€6k▼
Other amounts receivable41€14k€768k▲
Current investments50/53€50€50=
Cash at bank and in hand54/58€268k€54k▼
Deferred charges and accrued income490/1€257k€241k▼
Equity and liabilities
Total equity and liabilities10/49€1.44M€1.89M▲
Equity10/15€293k€256k▼
Contributions10/11€50k€50k=
Reserves13€243k€206k▼
Non-distributable reserves130/1€5k-
Reserves not available under the articles1311€5k-
Tax-exempt reserves132€76k€69k▼
Distributable reserves133€162k€137k▼
Provisions and deferred taxes16€19k€17k▼
Deferred taxes168€19k€17k▼
Amounts payable17/49€1.13M€1.61M▲
Amounts payable after more than one year17€402k€377k▼
Financial debts170/4€402k€377k▼
Amounts payable within one year42/48€726k€1.23M▲
Current portion of amounts payable after more than one year42€24k€25k▲
Financial debts43€268k€277k▲
Credit institutions430/8€268k€277k▲
Trade debts44€1k€12k▲
Suppliers440/4€1k€12k▲
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48€430k€918k▲
Accrued charges and deferred income492/3-€802
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€54k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-140k-
Other operating charges640/8€5k€4k▼
Gross operating margin9900€117k€86k▼
Operating profit (loss)9901€187k€28k▼
Financial income75/76B€428€25k▲
Recurring financial income75€428€15k▲
Non-recurring financial income76B-€10k
Financial charges65/66B€34k€47k▲
Recurring financial charges65€34k€47k▲
Profit (loss) for the period before taxes9903€153k€6k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€34k€18k▼
Profit (loss) for the period9904€121k€-11k▼
Transfer from tax-exempt reserves789€8k€8k=
Profit (loss) for the period to be appropriated9905€129k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€102k€-3k▼
Profit (loss) brought forward from the previous period14P€-27k-
Transfer from equity791/2-€30k
Transfer to equity691/2€102k-
To other reserves6921€102k-
Profit to be distributed694/7-€27k
Return on contributions (dividend)694-€27k
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
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €121k
Net result €121k after one loss-making year.
30-06
Financial
Equity above €200kEq €293k ▲70.4%
Equity rises from €172k to €293k.
28-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-45k ▼292%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
30-06
Financial
Equity above €200kEq €217k ▲12%
Equity rises from €194k to €217k.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Liquidity times 27current ratio 11.56
Current ratio from 0.43 to 11.56; short-term debt falls from €89k to €25k.
Show earlier events
30-06
Financial
Equity above €150kEq €198k ▲87.7%
2 profitable years in a row build equity to €198k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2016
05-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Antwerpen · 2 establishment units since 2008
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.
Pieter de Coninckstraat 292600 AntwerpenGround area
1,487 m²
Building footprint
237 m²
Volume, LiDAR
1,683 m³
2 parcels, Flanders, Wallonia · tallest building 13.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
KAP INVEST
since 20082.173.696.655
Maison Gaston
since 20172.306.909.230
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93072B0169/00F000 | Wallonia | 1,328 m² | 1 · 145 m² | 9.5 m · 2 fl. |
| 11303B0425/00Z006 | Flanders | 159 m² | 1 · 92 m² | 13.8 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.
Similar companies · same sector, comparable size
M.C.C. TEXTILES
BE 0473.493.325
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J² FINANCES
BE 0555.900.961
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DDW CONSULT
BE 0761.409.616
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Vanderheyde Operational Consultancy
BE 0663.603.922
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SUSTINERGY
BE 0521.996.392
Brakel · Eq €256,232
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,833 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
Founded15-09-2008
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.