KEIZER KAREL
ActiveKEIZER KAREL has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €4k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 84% of 13090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+35
Solvency96▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 3.41 in 2024; short-term debt: 29.2% and cash: 36.7% of total assets), and 29.2% 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
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 →
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
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
70.8%
Return on assets
6.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
29 d late
2023
31 d late
2022
25 d late
2021
31 d late
2020
29 d early
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▲ 8.1%
2024 · €42k
2018: €11k
2019: €11k
2020: €16k
2021: €39k
2022: €50k
2023: €45k
2024: €42k
2018 → 2025
Total assets
€64k▲ 29.4%
2024 · €49k
2018: €19k
2019: €20k
2020: €19k
2021: €44k
2022: €73k
2023: €51k
2024: €49k
2018 → 2025
Net result
€4k
2024 · €-3k
2018: €-13k
2019: €535
2020: €5k
2021: €22k
2022: €12k
2023: €-4k
2024: €-3k
2018 → 2025
Working capital
€16k▲ 0.3%
2024 · €16k
2018: €10k
2019: €11k
2020: €16k
2021: €31k
2022: €33k
2023: €19k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€50k▲ 30.0%€45k▼ 10.3%€42k▼ 7.1%€45k▲ 8.1%
Operating result€24k-€13k▼ 46.9%€-4k€-2k▲ 54.8%€6k
Net result€22k-€12k▼ 44.3%€-4k€-3k▲ 26.3%€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€29k▲ 9.4%
Current assets
€35k▲ 52.8%
Equity and liabilities €64k
Equity
€45k▲ 8.1%
Debt
€19k▲ 149%
The debt ratio rises from 15.2% to 29.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▲
2024 · €6k
Cash flow
€9k▲
2024 · €5k
Solvency
70.8%▼
2024 · 84.8%
Current ratio
1.87▼
2024 · 3.41
Quick ratio
1.65▼
2024 · 2.88
Debt / equity
0.41▲
2024 · 0.18
ROE
9.3%▲
2024 · -7.6%
ROA
6.6%▲
2024 · -6.5%
Interest coverage
7.36▲
2024 · 3.76
Debt
€19k▲
2024 · €8k
Debt ≤ 1 year
€19k▲
2024 · €7k
Income taxes
€338
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€49k€64k▲
Fixed assets21/28€27k€29k▲
Tangible fixed assets22/27€27k€29k▲
Plant, machinery and equipment23€17k€20k▲
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€6k€6k▼
Current assets29/58€23k€35k▲
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€11k€5k▼
Trade receivables40€5k€5k▲
Other amounts receivable41€6k€0▼
Cash at bank and in hand54/58€7k€24k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€49k€64k▲
Equity10/15€42k€45k▲
Contributions10/11€6k€6k=
Reserves13€36k€39k▲
Distributable reserves133€36k€39k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€8k€19k▲
Amounts payable within one year42/48€7k€19k▲
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€5k▲
Other amounts payable47/48€0€7k▲
Accrued charges and deferred income492/3€821€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€5k▼
Other operating charges640/8€8k€9k▲
Gross operating margin9900€14k€20k▲
Operating profit (loss)9901€-2k€6k▲
Financial income75/76B€268€0▼
Recurring financial income75€268€0▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-3k€5k▲
Income taxes67/77-€338
Profit (loss) for the period9904€-3k€4k▲
Profit (loss) for the period to be appropriated9905€-3k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€4k▲
Transfer from equity791/2€3k€0▼
Transfer to equity691/2-€3k
To other reserves6921-€3k
Profit to be distributed694/7€0€833▲
Return on contributions (dividend)694€0€833▲
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €22k ▲340%
Operating result €24k, net result €22k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 6.43
Current ratio from 2.23 to 6.43; short-term debt falls from €9k to €3k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €535
Net result €535 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 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
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, Oudenaarde · 1 establishment unit since 1996
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.
Gelukstede 19700 OudenaardeGround area
760 m²
Building footprint
455 m²
Volume, LiDAR
2,741 m³
Parcel 45035A0153/00M002, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Keizer Karel
since 19962.078.916.668
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45035A0153/00M002 | Flanders | 760 m² | 1 · 455 m² | 10.8 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
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteOudenaarde2.078.916.668
Similar companies · same sector, comparable size
CHARLENE ARLON
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Papa Jos
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Antwerpen · Eq €45k
CAFE DE BRUNO
BE 1004.999.083
Schaarbeek · Eq €45k
ANNIC
BE 0450.666.948
Stekene · Eq €45k
DE BRON
BE 0457.384.001
Bredene · Eq €45k
Of 14,028 companies in sector 56301 we hold annual accounts for 4,894. 4,088 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-1995
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
93292Sports, amusement and recreation activities
93291Sports, amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.