KDI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €253k and a net result of €56k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 66% of 9864 sector peers (fiscal year 2024). The company has been active since 2018 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
34 d early
2022
38 d early
2021
32 d early
2020
40 d early
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€253k▲ 28.5%
2023 · €197k
2018: €94k
2019: €161k
2020: €222k
2021: €258k
2022: €142k
2023: €197k
2018 → 2024
Net result
€56k▲ 2.6%
2023 · €55k
2018: €76k
2019: €67k
2020: €61k
2021: €61k
2022: €84k
2023: €55k
2018 → 2024
Total assets
€357k▲ 23.1%
2023 · €290k
2018: €125k
2019: €183k
2020: €254k
2021: €280k
2022: €339k
2023: €290k
2018 → 2024
Solvency
71.0%▲ 3.0pp
2023 · 68.0%
2018: 75.3%
2019: 87.7%
2020: 87.3%
2021: 92.3%
2022: 41.9%
2023: 68.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€222k-€258k▲ 16.1%€142k▼ 44.9%€197k▲ 38.5%€253k▲ 28.5%
Operating result€78k-€78k▲ 0.6%€110k▲ 40.5%€71k▼ 35.8%€80k▲ 12.7%
Net result€61k-€61k▼ 1.1%€84k▲ 38.7%€55k▼ 35.0%€56k▲ 2.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 13% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €357k
Fixed assets
€12k▲ 190%
Current assets
€345k▲ 20.8%
Equity and liabilities €357k
Equity
€253k▲ 28.5%
Debt
€103k▲ 11.6%
The debt ratio falls from 32.0% to 29.0%. Equity and debt are higher.
Key figures and ratios
Solvency
71.0%▲
2023 · 68.0%
ROE
22.2%▼
2023 · 27.8%
ROA
15.8%▼
2023 · 18.9%
Debt
€103k▲
2023 · €93k
Debt ≤ 1 year
€97k▲
2023 · €93k
Income taxes
€15k▼
2023 · €16k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€290k€357k▲
Fixed assets21/28€4k€12k▲
Tangible fixed assets22/27€4k€12k▲
Furniture and vehicles24€4k€9k▲
Other tangible fixed assets26-€3k
Current assets29/58€286k€345k▲
Amounts receivable within one year40/41€272k€43k▼
Trade receivables40€266k€15k▼
Other amounts receivable41€7k€28k▲
Cash at bank and in hand54/58€12k€301k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€290k€357k▲
Equity10/15€197k€253k▲
Contributions10/11€19k€19k=
Reserves13€178k€235k▲
Distributable reserves133€178k€235k▲
Amounts payable17/49€93k€103k▲
Amounts payable within one year42/48€93k€97k▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€4k€7k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€119€0▼
Other amounts payable47/48€85k€86k▲
Accrued charges and deferred income492/3-€7k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€737€850▲
Gross operating margin9900€74k€82k▲
Operating profit (loss)9901€71k€80k▲
Financial income75/76B€1€175▲
Recurring financial income75€1€175▲
Financial charges65/66B€321€8k▲
Recurring financial charges65€321€8k▲
Profit (loss) for the period before taxes9903€70k€72k▲
Income taxes67/77€16k€15k▼
Profit (loss) for the period9904€55k€56k▲
Profit (loss) for the period to be appropriated9905€55k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€56k▲
Transfer to equity691/2€55k€56k▲
To other reserves6921€55k€56k▲
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
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €253k ▲28.5%
7 profitable years in a row build equity to €253k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €55k ▼35%
Net result drops to €55k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €197k ▲38.5%
6 profitable years in a row build equity to €197k.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €84k ▲38.7%
Operating result €110k, net result €84k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €222k ▲38.2%
3 profitable years in a row build equity to €222k.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 8.23
Current ratio from 4.11 to 8.23; short-term debt falls from €30k to €22k.
31-12
Financial
Equity above €150kEq €161k ▲70.8%
2 profitable years in a row build equity to €161k.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Nazareth-De Pinte · 1 establishment unit since 2018
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.
Acacialaan 119840 Nazareth-De PinteGround area
1,390 m²
Building footprint
145 m²
Volume, LiDAR
777 m³
Parcel 44012B0565/00K003, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KDI
since 20182.276.017.995
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44012B0565/00K003 | Flanders | 1,390 m² | 1 · 145 m² | 8.7 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,169 EUR awarded · 1,169 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,169 EUR | 1,169 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
SIMIACON
BE 0765.435.215
Schoten · Eq €253k
Adacis
BE 0810.928.809
Sint-Pieters-Leeuw · Eq €253k
Broeckaert
BE 0541.786.273
Zoersel · Eq €253k
J&R
BE 0472.484.030
Vilvoorde · Eq €253k
JEROEN TUIK
BE 0696.985.283
Antwerpen · Eq €253k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,657 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
66300Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.