KEAR
ActiveThe computed 12-month bankruptcy probability of KEAR is 3.4% (moderate). The 2025 annual accounts show negative equity (€-32k) and a net result of €-2k. Equity is shrinking by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 13009 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
0
/ 100
Critical▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▲+8
Solvency33=
Growth22=
Stability100
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.38), and equity is negative.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
-454%
Return on assets
-23.5%
Age of the figures
8 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
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€32k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d late
2023
37 d late
2022
31 d late
2021
23 d late
2020
1 d late
2019
31 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€18k▼ 18.8%
2022 · €22k
2022: €22k
2022 → 2023
EBIT margin
-5.8%▼ 10.1pp
2022 · 4.3%
2022: 4.3%
2022 → 2023
Net result
€-2k▼ 49.8%
2024 · €-1k
2018: €5k
2019: €-37k
2020: €-6k
2021: €2k
2022: €496
2023: €-2k
2024: €-1k
2018 → 2025
Working capital
€-6k▲ 11.2%
2024 · €-7k
2018: €-7k
2019: €-28k
2020: €-31k
2021: €-29k
2022: €-8k
2023: €-9k
2024: €-7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€22k€18k▼ 18.8%
Equity€-28k-€-27k▲ 1.8%€-29k▼ 6.5%€-30k▼ 3.8%€-32k▼ 5.5%
Operating result€2k-€946▼ 60.1%€-1k€-525▲ 49.2%€-1k▼ 138%
Net result€2k-€496▼ 71.7%€-2k€-1k▲ 37.9%€-2k▼ 49.8%
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 €1k in 2025 against €525 in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7k
Fixed assets
€3k▲ 5,044%
Current assets
€4k▲ 10.7%
Key figures and ratios
EBITDA
€-544▼
2024 · €-120
Cash flow
€-937▼
2024 · €-689
Solvency
-454.0%
Current ratio
0.38
Quick ratio
0.38
Debt / equity
-1.22
ROE
5.2%
ROA
-23.5%
Interest coverage
-2.44▼
2024 · -0.30
Debt
€39k▲
2024 · €34k
Debt ≤ 1 year
€10k▼
2024 · €11k
Debt > 1 year
€28k▲
2024 · €23k
Income taxes
€176▲
2024 · €174
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€4k€7k▲
Fixed assets21/28€60€3k▲
Tangible fixed assets22/27€60€3k▲
Plant, machinery and equipment23€60€0▼
Furniture and vehicles24€0€3k▲
Current assets29/58€3k€4k▲
Amounts receivable within one year40/41€1k€1k▲
Trade receivables40€767€993▲
Other amounts receivable41€271€159▼
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€406€191▼
Equity and liabilities
Total equity and liabilities10/49€4k€7k▲
Equity10/15€-30k€-32k▼
Contributions10/11€9k€9k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-41k€-43k▼
Amounts payable17/49€34k€39k▲
Amounts payable after more than one year17€23k€28k▲
Other amounts payable178/9€23k€28k▲
Amounts payable within one year42/48€11k€10k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€338€346▲
Remuneration and social security454/9€9k€7k▼
Other amounts payable47/48€44€690▲
Income statement
Code20242025
Non-recurring operating income76A€258-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€405€703▲
Other operating charges640/8€387€400▲
Gross operating margin9900€268€-144▼
Operating profit (loss)9901€-525€-1k▼
Financial income75/76B€8€6▼
Recurring financial income75€8€6▼
Financial charges65/66B€403€223▼
Recurring financial charges65€403€223▼
Profit (loss) for the period before taxes9903€-920€-1k▼
Income taxes67/77€174€176▲
Profit (loss) for the period9904€-1k€-2k▼
Profit (loss) for the period to be appropriated9905€-1k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-41k€-43k▼
Profit (loss) brought forward from the previous period14P€-40k€-41k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
01-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-37k ▼775%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
23-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 54 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ramillies · 1 establishment unit since 2013
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.
Rue d'Albroux 271367 RamilliesGround area
821 m²
Building footprint
83 m²
Volume, LiDAR
506 m³
Parcel 25036A0369/00C000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KEAR SPRL
since 20132.221.487.169
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25036A0369/00C000 | Wallonia | 821 m² | 1 · 83 m² | 7.7 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.
Similar companies · same sector, comparable size
DA CLAUDIO
BE 1011.984.568
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STEPHAN MOONEN
BE 0657.942.585
Kapellen · Eq €14k
BADASS FACTORY
BE 1023.725.033
Walhain · Eq €14k
GICAMADIVI
BE 0630.925.018
Tubize · Eq €14k
De Borze
BE 0743.454.916
Antwerpen · Eq €14k
Of 20,234 companies in sector 56111 we hold annual accounts for 11,309. 7,802 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-08-2013
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.