KBNCM SERVICES
ActiveThe computed 12-month bankruptcy probability of KBNCM SERVICES is 3.9% (moderate). The 2025 annual accounts show negative equity (€-34k) and a net result of €-8k. Equity is shrinking by ~51.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 474 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability50=
Solvency0=
Growth31=
Track record100
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.16 against 0.06 in 2024; short-term debt: 284.2% and cash: 17.8% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 53
Relative position
BE, all sectors
reference
Sector 53
higher
← 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 2025Solvency, return and age of the figures
Solvency
-184.2%
Return on assets
-44.1%
Age of the figures
9 mo
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 €-34k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
28 d late
2023
29 d late
2022
4 d early
2021
25 d late
2020
55 d late
2019
67 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€43k▲ 104%
2021 · €21k
2018: €46k
2019: €36k
2020: €24k
2021: €21k
2018 → 2022
EBIT margin
6.6%▲ 51.2pp
2021 · -44.6%
2018: 2.5%
2019: -18.8%
2020: 18.6%
2021: -44.6%
2018 → 2022
Net result
€-8k▲ 16.0%
2024 · €-10k
2018: €266
2019: €-8k
2020: €3k
2021: €-11k
2022: €2k
2023: €-20k
2024: €-10k
2018 → 2025
Working capital
€-44k▲ 10.1%
2024 · €-49k
2018: €-22k
2019: €-22k
2020: €-1k
2021: €-17k
2022: €-49k
2023: €-46k
2024: €-49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€21k-€43k▲ 104%
Equity€2k-€4k▲ 101%€-16k€-26k▼ 59.9%€-34k▼ 31.5%
Operating result€-9k-€3k€-19k€-9k▲ 52.5%€-8k▲ 15.0%
Net result€-11k-€2k€-20k€-10k▲ 51.7%€-8k▲ 16.0%
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 €8k in 2025 against €9k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18k
Fixed assets
€10k▼ 56.1%
Current assets
€8k▲ 166%
Key figures and ratios
EBITDA
€5k▼
2024 · €7k
Cash flow
€5k▼
2024 · €7k
Solvency
-184.2%▼
2024 · -97.8%
Current ratio
0.16▲
2024 · 0.06
Quick ratio
0.16▲
2024 · 0.06
Debt / equity
-1.54▲
2024 · -2.02
ROA
-44.1%▼
2024 · -36.6%
Interest coverage
19.94▲
2024 · 17.61
Debt
€52k▲
2024 · €52k
Debt ≤ 1 year
€52k▲
2024 · €52k
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€26k€18k▼
Fixed assets21/28€23k€10k▼
Intangible fixed assets21€3k-
Tangible fixed assets22/27€20k€10k▼
Furniture and vehicles24€20k€10k▼
Financial fixed assets28€150€150=
Current assets29/58€3k€8k▲
Amounts receivable within one year40/41€1k€4k▲
Trade receivables40€396€4k▲
Other amounts receivable41€981€47▼
Cash at bank and in hand54/58€1k€3k▲
Deferred charges and accrued income490/1€679€679=
Equity and liabilities
Total equity and liabilities10/49€26k€18k▼
Equity10/15€-26k€-34k▼
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-40k€-48k▼
Amounts payable17/49€52k€52k▲
Amounts payable within one year42/48€52k€52k▲
Current portion of amounts payable after more than one year42€5k-
Trade debts44€533€774▲
Suppliers440/4€533€774▲
Advances received on contracts in progress46€235€4k▲
Other amounts payable47/48€47k€48k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€13k▼
Other operating charges640/8€619€139▼
Gross operating margin9900€8k€5k▼
Operating profit (loss)9901€-9k€-8k▲
Financial charges65/66B€415€262▼
Recurring financial charges65€415€262▼
Profit (loss) for the period before taxes9903€-10k€-8k▲
Profit (loss) for the period9904€-10k€-8k▲
Profit (loss) for the period to be appropriated9905€-10k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€-48k▼
Profit (loss) brought forward from the previous period14P€-30k€-40k▼
The notes to these accounts (8 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-20k ▼1130%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 55 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
29-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kortenberg · 1 establishment unit since 2015
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.
Windmolenstraat 453070 KortenbergGround area
446 m²
Building footprint
104 m²
Volume, LiDAR
619 m³
Parcel 24055A0206/00E002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Windmolenstraat 45, 3070 Kortenberg
since 20152.246.132.790
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24055A0206/00E002 | Flanders | 446 m² | 1 · 104 m² | 8.9 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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MAKI MAKI UCCLE
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CADIEL
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SCHAMMA PARTNERS
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Of 429 companies in sector 53100 we hold annual accounts for 126. 62 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2015
Fiscal year end31-12
Activities, NACEBEL
53100Postal and courier activities
49320Taxi operation
49330On-demand passenger transport by chauffeured vehicle
49420Removal services
52250Logistics services
52290Warehousing and support activities for transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.