KBK
ActiveKBK has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €134k and a net result of €3k. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 24% of 4860 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-7
Solvency47▼-15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 5.24 in 2024; short-term debt: 17% and cash: 0.8% of total assets), and 78.2% of the assets are financed with debt.
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 · 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
21.8%
Return on assets
0.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 4860 sector peers (2025).
NBB · sector comparisonPosition among 4860 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
29 d late
2023
42 d early
2022
45 d early
2021
9 d early
2020
61 d late
2019
186 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3k▼ 81.0%
2024 · €17k
2019: €3k
2020: €39k
2021: €56k
2022: €37k
2023: €16k
2024: €17k
2019 → 2025
Working capital
€25k▼ 85.6%
2024 · €170k
2019: €3k
2020: €38k
2021: €78k
2022: €124k
2023: €165k
2024: €170k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€116k-€153k▲ 31.1%€167k▲ 9.7%€184k▲ 9.9%€134k▼ 27.2%
Operating result€89k-€57k▼ 36.1%€23k▼ 58.8%€34k▲ 46.1%€17k▼ 50.5%
Net result€56k-€37k▼ 34.1%€16k▼ 57.6%€17k▲ 5.7%€3k▼ 81.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €614k
Fixed assets
€485k▲ 66.2%
Current assets
€129k▼ 38.8%
Equity and liabilities €614k
Equity
€134k▼ 27.2%
Debt
€480k▲ 50.8%
The debt ratio rises from 63.3% to 78.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€52k▲
2024 · €51k
Cash flow
€38k▲
2024 · €34k
Solvency
21.8%▼
2024 · 36.7%
Current ratio
1.24▼
2024 · 5.24
Quick ratio
0.35▼
2024 · 2.23
Debt / equity
3.58▲
2024 · 1.73
ROE
2.3%▼
2024 · 9.0%
ROA
0.5%▼
2024 · 3.3%
Interest coverage
3.54▼
2024 · 3.95
Debt
€480k▲
2024 · €318k
Debt ≤ 1 year
€104k▲
2024 · €40k
Debt > 1 year
€375k▲
2024 · €278k
Income taxes
€1k▼
2024 · €8k
Staff costs
€8k▲
2024 · €600
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€502k€614k▲
Fixed assets21/28€292k€485k▲
Tangible fixed assets22/27€290k€483k▲
Land and buildings22€276k€328k▲
Furniture and vehicles24€14k€156k▲
Financial fixed assets28€2k€2k=
Current assets29/58€210k€129k▼
Stocks and contracts in progress3€121k€92k▼
Stocks30/36€121k€92k▼
Amounts receivable within one year40/41€84k€29k▼
Trade receivables40€9k€7k▼
Other amounts receivable41€74k€22k▼
Cash at bank and in hand54/58€3k€5k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€502k€614k▲
Equity10/15€184k€134k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€122k€72k▼
Non-distributable reserves130/1€1k€1k▲
Legal reserve130€1k€1k▲
Distributable reserves133€121k€71k▼
Amounts payable17/49€318k€480k▲
Amounts payable after more than one year17€278k€375k▲
Financial debts170/4€278k€375k▲
Amounts payable within one year42/48€40k€104k▲
Current portion of amounts payable after more than one year42€10k€27k▲
Trade debts44€15k€10k▼
Suppliers440/4€15k€10k▼
Taxes, remuneration and social security45€14k€15k▲
Taxes450/3€13k€14k▲
Remuneration and social security454/9€341€447▲
Other amounts payable47/48€800€53k▲
Accrued charges and deferred income492/3€44€395▲
Income statement
Code20242025
Remuneration, social security and pensions62€600€8k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€35k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€55k€63k▲
Operating profit (loss)9901€34k€17k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€13k€15k▲
Recurring financial charges65€13k€15k▲
Profit (loss) for the period before taxes9903€24k€5k▼
Income taxes67/77€8k€1k▼
Profit (loss) for the period9904€17k€3k▼
Profit (loss) for the period to be appropriated9905€17k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€3k▼
Transfer from equity791/2-€53k
Transfer to equity691/2€17k€3k▼
To the legal reserve6920-€189
To other reserves6921€17k€3k▼
Profit to be distributed694/7-€53k
Return on contributions (dividend)694-€53k
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €153k ▲31.1%
4 profitable years in a row build equity to €153k.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €56k ▲45.3%
Operating result €89k, net result €56k, both a record.
31-12
Financial
Equity above €100kEq €116k ▲90.6%
3 profitable years in a row build equity to €116k.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
02-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 186 days late
2018
05-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 127 days late
2017
18-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 79 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Beersel · 1 establishment unit since 2005
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.
Waterpoelstraat 191652 BeerselGround area
2,461 m²
Building footprint
136 m²
Volume, LiDAR
644 m³
Parcel 23001C0039/00E002, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Waterpoelstraat 19, 1652 Beersel
since 20052.359.947.444
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23001C0039/00E002 | Flanders | 2,461 m² | 1 · 136 m² | 6.8 m · 2 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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LA SCALIGERA
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ELVAMA
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L&L DISTRIBUTION
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Domi Vins
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Chastre · Eq €138k
Of 1,050 companies in sector 46341 we hold annual accounts for 534. 379 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-03-2005
Fiscal year end31-12
Activities, NACEBEL
46341Wholesale of wines and spirits
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.