KARB
ActiveKARB has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €497k and a net result of €63k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 478 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
93
/ 100
Excellent▼ -7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability64▼-21
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 38.06 against 32.55 in 2023), and 2.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
97.7%
Return on assets
12.5%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
2 d early
2022
31 d early
2021
45 d early
2020
36 d early
2019
42 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€497k▲ 3.0%
2023 · €482k
2018: €183k
2019: €250k
2020: €341k
2021: €402k
2022: €426k
2023: €482k
2018 → 2024
Total assets
€508k▲ 2.6%
2023 · €495k
2018: €194k
2019: €261k
2020: €354k
2021: €415k
2022: €440k
2023: €495k
2018 → 2024
Net result
€63k▼ 22.8%
2023 · €82k
2018: €49k
2019: €67k
2020: €91k
2021: €61k
2022: €69k
2023: €82k
2018 → 2024
Working capital
€424k▲ 3.3%
2023 · €410k
2018: €180k
2019: €248k
2020: €334k
2021: €396k
2022: €383k
2023: €410k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€341k-€402k▲ 17.9%€426k▲ 6.0%€482k▲ 13.1%€497k▲ 3.0%
Operating result€107k-€84k▼ 21.6%€92k▲ 8.8%€68k▼ 26.3%€99k▲ 46.5%
Net result€91k-€61k▼ 33.1%€69k▲ 13.2%€82k▲ 19.0%€63k▼ 22.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 46% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €508k
Fixed assets
€73k▲ 1.7%
Current assets
€435k▲ 2.8%
Equity and liabilities €508k
Equity
€497k▲ 3.0%
Debt
€11k▼ 12.1%
The debt ratio falls from 2.6% to 2.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€106k▲
2023 · €73k
Cash flow
€71k▼
2023 · €88k
Solvency
97.7%▲
2023 · 97.4%
Current ratio
38.06▲
2023 · 32.55
Quick ratio
38.06▲
2023 · 32.55
Debt / equity
0.02▼
2023 · 0.03
ROE
12.8%▼
2023 · 17.0%
ROA
12.5%▼
2023 · 16.6%
Interest coverage
8.03▼
2023 · 653.12
Debt
€11k▼
2023 · €13k
Debt ≤ 1 year
€11k▼
2023 · €13k
Income taxes
€27k▲
2023 · €24k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€495k€508k▲
Fixed assets21/28€72k€73k▲
Tangible fixed assets22/27€49k€50k▲
Furniture and vehicles24€2k€8k▲
Other tangible fixed assets26€47k€42k▼
Financial fixed assets28€23k€23k=
Current assets29/58€423k€435k▲
Amounts receivable within one year40/41€60k€44k▼
Trade receivables40€18k€20k▲
Other amounts receivable41€42k€24k▼
Current investments50/53€283k€213k▼
Cash at bank and in hand54/58€80k€178k▲
Equity and liabilities
Total equity and liabilities10/49€495k€508k▲
Equity10/15€482k€497k▲
Contributions10/11€19k€19k=
Reserves13€463k€478k▲
Distributable reserves133€463k€478k▲
Profit (loss) carried forward14€448€472▲
Amounts payable17/49€13k€11k▼
Amounts payable within one year42/48€13k€11k▼
Trade debts44€200-
Suppliers440/4€200-
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Other amounts payable47/48€1k€2k▲
Income statement
Code20232024
Non-recurring operating income76A-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€3k€844▼
Non-recurring operating charges66A-€250
Gross operating margin9900€76k€108k▲
Operating profit (loss)9901€68k€99k▲
Financial income75/76B€39k€5k▼
Recurring financial income75€39k€5k▼
Financial charges65/66B€112€13k▲
Recurring financial charges65€112€13k▲
Profit (loss) for the period before taxes9903€106k€90k▼
Income taxes67/77€24k€27k▲
Profit (loss) for the period9904€82k€63k▼
Profit (loss) for the period to be appropriated9905€82k€63k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€64k▼
Profit (loss) brought forward from the previous period14P€443€448▲
Transfer from equity791/2€26k€49k▲
Transfer to equity691/2€82k€63k▼
To other reserves6921€82k€63k▼
Profit to be distributed694/7€26k€49k▲
Return on contributions (dividend)694€26k€49k▲
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
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €91k ▲36.6%
Operating result €107k, net result €91k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €200kEq €250k ▲36.4%
2 profitable years in a row build equity to €250k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
12-07
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
4 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 · 1 establishment unit since 2011
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.
Freddy Damsstraat 212100 AntwerpenGround area
180 m²
Building footprint
90 m²
Volume, LiDAR
87 m³
Parcel 11345B0443/00P003, Flanders · tallest building 11.2 m. Linked by address, not a title deed.
1 establishment unit
KARB
since 20112.203.155.159
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11345B0443/00P003 | Flanders | 180 m² | 1 · 90 m² | 11.2 m |
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
B&I Invest
BE 0766.638.807
Peer · Eq €499k
MOTTERIE
BE 0842.028.294
Celles (lez-Tournai) · Eq €501k
FEMOO
BE 0679.920.312
Arendonk · Eq €492k
WAG
BE 0507.720.368
Lanaken · Eq €502k
Lean Meat Products
BE 0404.087.647
Brecht · Eq €492k
Of 3,142 companies in sector 63920 we hold annual accounts for 1,516. 972 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2011
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
62010Computer programming, consultancy and related activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.