KARTU
ActiveKARTU has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-6k) and a net result of €-1k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
30
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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 · 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 2025Age of the figures
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-6k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
66 d early
2023
27 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
92 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
€-6k▼ 26.4%
2024 · €-5k
2018: €7k
2019: €2k
2020: €12k
2021: €26k
2022: €4k
2023: €-3k
2024: €-5k
2018 → 2025
Total assets
€2k▲ 20.2%
2024 · €1k
2018: €20k
2019: €11k
2020: €18k
2021: €30k
2022: €10k
2023: €1k
2024: €1k
2018 → 2025
Net result
€-1k▲ 15.7%
2024 · €-1k
2018: €2k
2019: €-5k
2020: €10k
2021: €13k
2022: €-21k
2023: €-8k
2024: €-1k
2018 → 2025
Working capital
€-6k▼ 26.4%
2024 · €-5k
2018: €7k
2019: €2k
2020: €12k
2021: €25k
2022: €4k
2023: €-3k
2024: €-5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€4k▼ 82.9%€-3k€-5k▼ 45.5%€-6k▼ 26.4%
Operating result€19k-€-21k€-7k▲ 65.2%€-1k▲ 81.6%€-850▲ 37.6%
Net result€13k-€-21k€-8k▲ 64.8%€-1k▲ 81.2%€-1k▲ 15.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €850 in 2025 against €1k in 2024; the loss shrinks.
Key figures and ratios
Debt
€7k▲
2024 · €6k
Debt ≤ 1 year
€7k▲
2024 · €6k
Ratios withheld: a balance sheet total of €2k is too small for a meaningful ratio.
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€1k€2k▲
Current assets29/58€1k€2k▲
Amounts receivable within one year40/41€207€2k▲
Trade receivables40-€1k
Other amounts receivable41€207€270▲
Cash at bank and in hand54/58€1k-
Equity and liabilities
Total equity and liabilities10/49€1k€2k▲
Equity10/15€-5k€-6k▼
Contributions10/11€12k€12k=
Reserves13€29k€29k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€-46k€-47k▼
Amounts payable17/49€6k€7k▲
Amounts payable within one year42/48€6k€7k▲
Financial debts43-€680
Credit institutions430/8-€680
Trade debts44€902€2k▲
Suppliers440/4€902€2k▲
Other amounts payable47/48€5k€4k▼
Income statement
Code20242025
Other operating charges640/8€387€784▲
Gross operating margin9900€-975€-66▲
Operating profit (loss)9901€-1k€-850▲
Financial charges65/66B€47€338▲
Recurring financial charges65€47€338▲
Profit (loss) for the period before taxes9903€-1k€-1k▲
Profit (loss) for the period9904€-1k€-1k▲
Profit (loss) for the period to be appropriated9905€-1k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-46k€-47k▼
Profit (loss) brought forward from the previous period14P€-45k€-46k▼
The notes to these accounts (1 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-21k ▼259%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €13k ▲31.7%
Operating result €19k, net result €13k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 7.47
Current ratio from 3.10 to 7.47; short-term debt falls from €6k to €4k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.10
Current ratio from 1.23 to 3.10; short-term debt falls from €9k to €6k.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
29-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 60 days late
2018
11-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-04
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Vielsalm · 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.
Dairomont 116698 VielsalmGround area
1,832 m²
Building footprint
291 m²
Volume, LiDAR
3,408 m³
2 parcels, Brussels, Wallonia · tallest building 22.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
OM - MANI
since 20022.101.479.066
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82011B0105/00K000 | Wallonia | 1,293 m² | 1 · 106 m² | - |
| 21612D0126/00D003 | Brussels | 539 m² | 1 · 185 m² | 22.1 m · 6 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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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 14,412 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-2001
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
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.