KDCCVM
ActiveKDCCVM has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €195k and a net result of €10k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 32% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-8
Solvency58▼-36
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 3.22 in 2024; short-term debt: 66.8% and cash: 31.1% of total assets), and 66.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
33.1%
Return on assets
1.8%
Age of the figures
9 mo
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
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
28 d late
2023
34 d late
2022
67 d late
2021
73 d late
2020
88 d late
2019
105 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€195k▼ 41.7%
2024 · €335k
2018: €216k
2019: €279k
2020: €499k
2021: €606k
2022: €667k
2023: €294k
2024: €335k
2018 → 2025
Total assets
€590k▲ 21.2%
2024 · €486k
2018: €411k
2019: €404k
2020: €604k
2021: €696k
2022: €707k
2023: €501k
2024: €486k
2018 → 2025
Net result
€10k▼ 74.6%
2024 · €41k
2018: €120k
2019: €157k
2020: €220k
2021: €107k
2022: €61k
2023: €-7k
2024: €41k
2018 → 2025
Working capital
€186k▼ 44.3%
2024 · €334k
2018: €336k
2019: €213k
2020: €444k
2021: €555k
2022: €648k
2023: €287k
2024: €334k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€606k-€667k▲ 10.1%€294k▼ 55.9%€335k▲ 13.8%€195k▼ 41.7%
Operating result€108k-€62k▼ 43.0%€-6k€43k€9k▼ 78.8%
Net result€107k-€61k▼ 43.1%€-7k€41k€10k▼ 74.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 79% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €590k
Fixed assets
€9k▲ 342%
Current assets
€580k▲ 19.8%
Equity and liabilities €590k
Equity
€195k▼ 41.7%
Debt
€394k▲ 160%
The debt ratio rises from 31.1% to 66.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€11k▼
2024 · €49k
Cash flow
€12k▼
2024 · €47k
Solvency
33.1%▼
2024 · 68.9%
Current ratio
1.47▼
2024 · 3.22
Quick ratio
1.47▼
2024 · 3.22
Debt / equity
2.02▲
2024 · 0.45
ROE
5.3%▼
2024 · 12.2%
ROA
1.8%▼
2024 · 8.4%
Interest coverage
44.54▲
2024 · 25.75
Debt
€394k▲
2024 · €151k
Debt ≤ 1 year
€394k▲
2024 · €150k
Staff costs
€236k▲
2024 · €230k
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€486k€590k▲
Fixed assets21/28€2k€9k▲
Intangible fixed assets21-€9k
Tangible fixed assets22/27€2k€711▼
Plant, machinery and equipment23€2k€711▼
Current assets29/58€484k€580k▲
Amounts receivable within one year40/41€174k€395k▲
Trade receivables40€174k€395k▲
Other amounts receivable41-€11
Cash at bank and in hand54/58€310k€183k▼
Deferred charges and accrued income490/1€739€2k▲
Equity and liabilities
Total equity and liabilities10/49€486k€590k▲
Equity10/15€335k€195k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€315k€175k▼
Amounts payable17/49€151k€394k▲
Amounts payable within one year42/48€150k€394k▲
Trade debts44€9k€106k▲
Suppliers440/4€9k€106k▲
Taxes, remuneration and social security45€55k€88k▲
Taxes450/3€26k€61k▲
Remuneration and social security454/9€29k€28k▼
Other amounts payable47/48€86k€200k▲
Accrued charges and deferred income492/3€1k€67▼
Income statement
Code20242025
Remuneration, social security and pensions62€230k€236k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€2k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€284k€252k▼
Operating profit (loss)9901€43k€9k▼
Financial income75/76B€0€2k▲
Recurring financial income75€0€2k▲
Financial charges65/66B€2k€244▼
Recurring financial charges65€2k€244▼
Profit (loss) for the period before taxes9903€41k€10k▼
Profit (loss) for the period9904€41k€10k▼
Profit (loss) for the period to be appropriated9905€41k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€315k€325k▲
Profit (loss) brought forward from the previous period14P€274k€315k▲
Profit to be distributed694/7-€150k
Return on contributions (dividend)694-€150k
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
03-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 34 days late
2023
31-12
Financial
Weakest financial yearnet €-7k ▼111%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 17.95
Current ratio from 7.28 to 17.95; short-term debt falls from €88k to €38k.
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 73 days late
2021
31-12
Financial
Equity above €500kEq €606k ▲21.5%
4 profitable years in a row build equity to €606k.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Highest result since 2018net €220k ▲40.2%
Operating result €221k, net result €220k, both a record.
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 105 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 63 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
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, Gent · 3 establishment units since 2014
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.
Limburgstraat 789000 GentGround area
5,752 m²
Building footprint
1,798 m²
Volume, LiDAR
9,178 m³
3 parcels, Flanders · tallest building 22.0 m, ±6 floors. Linked by address, not a title deed.
3 establishment units
KDCCVM
since 20142.235.086.569
Limburgstraat 78, 9000 Gent
since 20192.292.826.612
Skaldenstraat 121, 9042 Gent
since 20192.292.827.107
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44813B0120/00E004 | Flanders | 5,483 m² | 1 · 1,592 m² | 9.2 m · 2 fl. |
| 44803C0581/00M000 | Flanders | 194 m² | 1 · 161 m² | 22.0 m · 6 fl. |
| 44811L0022/00X002 | Flanders | 76 m² | 1 · 45 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 4 entries · 168,156 EUR awarded · 123,656 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 38,154 EUR | 32,656 EUR |
| 2023 | 1 | 130,002 EUR | 91,000 EUR |
Schemes
Ontwikkelingsproject
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
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Of 16,869 companies in sector 62100 we hold annual accounts for 8,779. 6,653 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-08-2014
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.