Summary
KATLEEN BORMS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €664k and a net result of €8k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 5527 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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
4 d late
2024
6 d late
2023
27 d late
2022
on the day
2021
29 d late
2020
3 d early
2019
25 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, abbreviated schema
Equity
€664k▲ 1.2%
2024 · €656k
2018: €403k
2019: €491k
2020: €529k
2021: €581k
2022: €627k
2023: €654k
2024: €656k
2018 → 2025
Net result
€8k▲ 231%
2024 · €2k
2018: €74k
2019: €89k
2020: €38k
2021: €52k
2022: €46k
2023: €27k
2024: €2k
2018 → 2025
Total assets
€675k▲ 0.7%
2024 · €670k
2018: €661k
2019: €645k
2020: €661k
2021: €679k
2022: €695k
2023: €683k
2024: €670k
2018 → 2025
Solvency
98.3%▲ 0.4pp
2024 · 97.9%
2018: 61.0%
2019: 76.1%
2020: 80.1%
2021: 85.6%
2022: 90.2%
2023: 95.6%
2024: 97.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€581k-€627k▲ 7.9%€654k▲ 4.3%€656k▲ 0.4%€664k▲ 1.2%
Operating result€74k-€63k▼ 15.1%€37k▼ 40.4%€2k▼ 93.7%€10k▲ 308%
Net result€52k-€46k▼ 11.4%€27k▼ 41.0%€2k▼ 91.3%€8k▲ 231%
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 2025; 2025 is 308% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €675k
Fixed assets
€484k ▼ 3.2%
Current assets
€191k ▲ 12.3%
Equity and liabilities €675k
Equity
€664k ▲ 1.2%
Debt
€11k ▼ 19.6%
Debt's share of the balance-sheet total falls from 2.1% to 1.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.2%▲
2024 · 0.4%
ROA
1.1%▲
2024 · 0.3%
Debt ≤ 1 year
€11k▼
2024 · €13k
Income taxes
€4k▲
2024 · €2k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€670k€675k▲
Fixed assets21/28€500k€484k▼
Tangible fixed assets22/27€36k€20k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€34k€18k▼
Financial fixed assets28€464k€464k=
Current assets29/58€170k€191k▲
Amounts receivable within one year40/41€56k€56k▼
Trade receivables40€14k€22k▲
Other amounts receivable41€42k€34k▼
Current investments50/53-€75k
Cash at bank and in hand54/58€109k€57k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€670k€675k▲
Equity10/15€656k€664k▲
Contributions10/11€6k€6k=
Reserves13€650k€657k▲
Distributable reserves133€650k€657k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€14k€11k▼
Amounts payable within one year42/48€13k€11k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€6k€1k▼
Accrued charges and deferred income492/3€497€267▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€258€208▼
Gross operating margin9900€18k€26k▲
Operating profit (loss)9901€2k€10k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€596€312▼
Recurring financial charges65€596€312▼
Profit (loss) for the period before taxes9903€4k€11k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€2k€8k▲
Profit (loss) for the period to be appropriated9905€2k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€8k▲
Profit (loss) brought forward from the previous period14P€131€0▼
Transfer to equity691/2€2k€8k▲
To other reserves6921€2k€8k▲
The notes to these accounts (9 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
31-12
Financial
Weakest financial yearnet €2k ▼91.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 12.70
Current ratio from 5.76 to 12.70; short-term debt falls from €30k to €13k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 5.76
Current ratio from 2.82 to 5.76; short-term debt falls from €60k to €30k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €529k ▲7.8%
3 profitable years in a row build equity to €529k.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 25 days late
2019
31-12
Financial
Highest result since 2018net €89k ▲19.6%
Operating result €119k, net result €89k, both a record.
Show earlier events
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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 · 1 establishment unit since 2012
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.
Floraliënlaan 5132610 AntwerpenGround area
399 m²
Building footprint
134 m²
Volume, LiDAR
1,034 m³
Parcel 11051B0378/00D004, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
KATLEEN BORMS BVBA
since 20122.208.432.652
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11051B0378/00D004 | Flanders | 399 m² | 1 · 134 m² | 10.3 m · 3 fl. |
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.
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BEAN
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CRIUS GROUP
BE 0479.662.525
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GROUP-IPS
BE 0880.441.977
Mechelen · Eq €664,088
GLOBAL FINANCIAL CONSULTING
BE 0810.477.758
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,380 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
Founded09-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.