KATE-CO
ActiveSummary
KATE-CO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €272k and a net result of €98k. Equity is growing by ~29.4% per year across the filed fiscal years. Its solvency ranks better than 61% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+5
Solvency92▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 3.0 against 6.11 in 2024; short-term debt: 33.3% and cash: 85.6% of total assets), and 33.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 · 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
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
66.7%
Return on assets
23.9%
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 08-06-2026, 53 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
53 d early
2024
27 d late
2023
19 d late
2022
8 d late
2021
24 d late
2020
17 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
€272k=
2024 · €272k
2020: €48k
2021: €90k
2022: €153k
2023: €206k
2024: €272k
2020 → 2025
Total assets
€408k▲ 25.4%
2024 · €325k
2020: €76k
2021: €116k
2022: €211k
2023: €267k
2024: €325k
2020 → 2025
Net result
€98k▲ 48.7%
2024 · €66k
2020: €46k
2021: €42k
2022: €63k
2023: €54k
2024: €66k
2020 → 2025
Working capital
€272k▲ 0.1%
2024 · €272k
2020: €47k
2021: €88k
2022: €152k
2023: €206k
2024: €272k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€153k▲ 70.0%€206k▲ 35.1%€272k▲ 31.8%€272k=
Operating result€58k-€88k▲ 50.2%€75k▼ 14.0%€96k▲ 28.0%€129k▲ 34.0%
Net result€42k-€63k▲ 50.3%€54k▼ 14.7%€66k▲ 22.5%€98k▲ 48.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 34% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €408k
Fixed assets
€132 ▼ 57.5%
Current assets
€408k ▲ 25.5%
Equity and liabilities €408k
Equity
€272k =
Debt
€136k ▲ 156%
Debt's share of the balance-sheet total rises from 16.3% to 33.3%. Debt is higher.
Key figures and ratios
EBITDA
€129k▲
2024 · €97k
Cash flow
€98k▲
2024 · €66k
Current ratio
3.00▼
2024 · 6.11
Debt to equity
0.50▲
2024 · 0.20
ROE
35.9%▲
2024 · 24.1%
ROA
23.9%▲
2024 · 20.2%
Interest coverage
844.44▲
2024 · 381.70
Debt ≤ 1 year
€136k▲
2024 · €53k
Income taxes
€36k▲
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€325k€408k▲
Fixed assets21/28€311€132▼
Tangible fixed assets22/27€237€58▼
Furniture and vehicles24€237€58▼
Financial fixed assets28€74€74=
Current assets29/58€325k€408k▲
Amounts receivable within one year40/41-€55k
Other amounts receivable41-€55k
Cash at bank and in hand54/58€325k€349k▲
Deferred charges and accrued income490/1€0€3k▲
Equity and liabilities
Total equity and liabilities10/49€325k€408k▲
Equity10/15€272k€272k=
Contributions10/11€2k€2k=
Reserves13€270k€270k=
Distributable reserves133€270k€270k=
Profit (loss) carried forward14-€0
Amounts payable17/49€53k€136k▲
Amounts payable within one year42/48€53k€136k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€49k€33k▼
Taxes450/3€49k€33k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€3k€100k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€179€179=
Other operating charges640/8€387€463▲
Gross operating margin9900€97k€130k▲
Operating profit (loss)9901€96k€129k▲
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€253€153▼
Recurring financial charges65€253€153▼
Profit (loss) for the period before taxes9903€100k€134k▲
Income taxes67/77€34k€36k▲
Profit (loss) for the period9904€66k€98k▲
Profit (loss) for the period to be appropriated9905€66k€98k▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€98k▲
Transfer to equity691/2€66k€0▼
To other reserves6921€66k€0▼
Profit to be distributed694/7-€98k
Return on contributions (dividend)694-€98k
The notes to these accounts (11 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €98k ▲48.7%
Operating result €129k, net result €98k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Equity above €200kEq €206k ▲35.1%
4 profitable years in a row build equity to €206k.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Equity above €150kEq €153k ▲70%
3 profitable years in a row build equity to €153k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Weakest financial yearnet €42k ▼9.9%
Net result drops to €42k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Spa · 1 establishment unit since 2020
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.
Avenue Dr. Pierre Gaspar 634900 Spa1 establishment unit
Avenue Dr. Pierre Gaspar 63, 4900 Spa
since 20202.304.207.086
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,572. 38,593 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
Founded10-03-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filings
Scores and ratios are computed by Checked and are not a credit decision.