KDB.results
ActiveKDB.results has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €882k and a net result of €67k. Equity is growing by ~26.2% per year across the filed fiscal years. Its solvency ranks better than 90% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-18
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 10.6 against 12.69 in 2024; short-term debt: 9% and cash: 11.7% of total assets), and 9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 69
Relative position
BE, all sectors
reference
Sector 69
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
91%
Return on assets
6.9%
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 25-06-2026, 36 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
36 d early
2024
30 d early
2023
23 d early
2022
32 d late
2021
29 d late
2020
25 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€882k▲ 2.8%
2024 · €858k
2020: €46k
2021: €304k
2022: €584k
2023: €693k
2024: €858k
2020 → 2025
Total assets
€969k▲ 4.6%
2024 · €926k
2020: €85k
2021: €466k
2022: €939k
2023: €1.04M
2024: €926k
2020 → 2025
Net result
€67k▼ 65.2%
2024 · €192k
2020: €44k
2021: €258k
2022: €279k
2023: €259k
2024: €192k
2020 → 2025
Working capital
€836k▲ 4.3%
2024 · €802k
2020: €46k
2021: €282k
2022: €477k
2023: €629k
2024: €802k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€304k-€584k▲ 91.8%€693k▲ 18.8%€858k▲ 23.8%€882k▲ 2.8%
Operating result€380k-€405k▲ 6.6%€360k▼ 11.1%€288k▼ 20.0%€95k▼ 67.1%
Net result€258k-€279k▲ 8.2%€259k▼ 7.1%€192k▼ 26.1%€67k▼ 65.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 67% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €969k
Fixed assets
€46k▼ 18.6%
Current assets
€923k▲ 6.1%
Equity and liabilities €969k
Equity
€882k▲ 2.8%
Debt
€87k▲ 27.0%
The debt ratio rises from 7.4% to 9.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€115k▼
2024 · €308k
Cash flow
€87k▼
2024 · €211k
Solvency
91.0%▼
2024 · 92.6%
Current ratio
10.60▼
2024 · 12.69
Quick ratio
10.60▼
2024 · 12.69
Debt / equity
0.10▲
2024 · 0.08
ROE
7.6%▼
2024 · 22.3%
ROA
6.9%▼
2024 · 20.7%
Interest coverage
135.24▲
2024 · 34.89
Debt
€87k▲
2024 · €69k
Debt ≤ 1 year
€87k▲
2024 · €69k
Income taxes
€29k▼
2024 · €95k
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€926k€969k▲
Fixed assets21/28€56k€46k▼
Tangible fixed assets22/27€56k€46k▼
Furniture and vehicles24€24k€17k▼
Other tangible fixed assets26€32k€28k▼
Current assets29/58€871k€923k▲
Amounts receivable within one year40/41€57k€166k▲
Trade receivables40€19k€129k▲
Other amounts receivable41€38k€36k▼
Current investments50/53€645k€643k▼
Cash at bank and in hand54/58€166k€113k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€926k€969k▲
Equity10/15€858k€882k▲
Contributions10/11€2k€2k=
Reserves13€856k€880k▲
Distributable reserves133€856k€880k▲
Amounts payable17/49€69k€87k▲
Amounts payable within one year42/48€69k€87k▲
Trade debts44€3k€416▼
Suppliers440/4€3k€416▼
Taxes, remuneration and social security45€39k€44k▲
Taxes450/3€39k€44k▲
Other amounts payable47/48€27k€43k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€311k€118k▼
Operating profit (loss)9901€288k€95k▼
Financial income75/76B€7k€2k▼
Recurring financial income75€7k€2k▼
Financial charges65/66B€9k€847▼
Recurring financial charges65€9k€847▼
Profit (loss) for the period before taxes9903€287k€96k▼
Income taxes67/77€95k€29k▼
Profit (loss) for the period9904€192k€67k▼
Profit (loss) for the period to be appropriated9905€192k€67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€192k€67k▼
Transfer to equity691/2€165k€24k▼
To other reserves6921€165k€24k▼
Profit to be distributed694/7€27k€43k▲
Return on contributions (dividend)694€27k€43k▲
The notes to these accounts (5 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
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 12.69
Current ratio from 2.82 to 12.69; short-term debt falls from €345k to €69k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Highest result since 2020net €279k ▲8.2%
Operating result €405k, net result €279k, both a record.
31-12
Financial
Equity above €500kEq €584k ▲91.8%
3 profitable years in a row build equity to €584k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Equity above €200kEq €304k ▲559%
2 profitable years in a row build equity to €304k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Tervuren · 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.
Cypressenlaan 233080 TervurenGround area
1,018 m²
Building footprint
221 m²
Volume, LiDAR
1,182 m³
Parcel 24302H0017/00K000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cypressenlaan 23, 3080 Tervuren
since 20202.309.738.660
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24302H0017/00K000 | Flanders | 1,018 m² | 1 · 221 m² | 8.2 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.
Similar companies · same sector, comparable size
THOMAS TINDEMANS PROFESSIONAL SERVICES
BE 0476.906.240
Dilbeek · Eq €874k
NEOLOGIC
BE 0869.776.432
Brussel · Eq €870k
FINACAP
BE 0441.378.605
Ans · Eq €894k
Olivier Lefebvre
BE 0567.619.551
Elsene · Eq €867k
QUISQUATER W. & PARTNERS
BE 0459.375.172
Balen · Eq €864k
Of 2,761 companies in sector 69109 we hold annual accounts for 1,209. 608 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2020
Fiscal year end31-12
Activities, NACEBEL
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.