KERA MANAGEMENT
ActiveKERA MANAGEMENT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €9k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 47% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-21
Solvency77▼-23
Growth42▼-36
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.12 against 4.44 in 2024; short-term debt: 47.2% and cash: 76.5% of total assets), and 47.9% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
52.1%
Return on assets
12.3%
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 29-05-2026, 63 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
63 d early
2024
16 d early
2023
26 d early
2022
25 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▼ 46.5%
2024 · €69k
2022: €37k
2023: €31k
2024: €69k
2022 → 2025
Total assets
€70k▼ 18.6%
2024 · €86k
2022: €59k
2023: €56k
2024: €86k
2022 → 2025
Net result
€9k▼ 77.1%
2024 · €38k
2022: €36k
2023: €-6k
2024: €38k
2022 → 2025
Working capital
€37k▼ 38.8%
2024 · €61k
2022: €38k
2023: €18k
2024: €61k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€37k-€31k▼ 16.2%€69k▲ 123%€37k▼ 46.5%
Operating result€50k-€-6k€48k€14k▼ 69.8%
Net result€36k-€-6k€38k€9k▼ 77.1%
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 70% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €70k
Equity
€37k▼ 46.5%
Debt
€34k▲ 88.6%
The debt ratio rises from 20.7% to 47.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€14k▼
2024 · €53k
Cash flow
€9k▼
2024 · €43k
Solvency
52.1%▼
2024 · 79.3%
Current ratio
2.12▼
2024 · 4.44
Quick ratio
2.12▼
2024 · 4.44
Debt / equity
0.92▲
2024 · 0.26
ROE
23.7%▼
2024 · 55.2%
ROA
12.3%▼
2024 · 43.8%
Interest coverage
5.36▼
2024 · 247.08
Debt
€34k▲
2024 · €18k
Debt ≤ 1 year
€33k▲
2024 · €18k
Income taxes
€4k▼
2024 · €10k
Staff costs
€35k▲
2024 · €31k
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€86k€70k▼
Fixed assets21/28€8k€0▼
Tangible fixed assets22/27€8k€0▼
Furniture and vehicles24€8k€0▼
Current assets29/58€78k€70k▼
Amounts receivable within one year40/41€53k€16k▼
Trade receivables40€27k€12k▼
Other amounts receivable41€26k€4k▼
Cash at bank and in hand54/58€25k€54k▲
Deferred charges and accrued income490/1€839€587▼
Equity and liabilities
Total equity and liabilities10/49€86k€70k▼
Equity10/15€69k€37k▼
Contributions10/11€1k€1k=
Reserves13€68k€36k▼
Distributable reserves133€68k€36k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€18k€34k▲
Amounts payable within one year42/48€18k€33k▲
Trade debts44€912€2k▲
Suppliers440/4€912€2k▲
Taxes, remuneration and social security45€17k€22k▲
Taxes450/3€12k€16k▲
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€0€10k▲
Accrued charges and deferred income492/3€205€508▲
Income statement
Code20242025
Remuneration, social security and pensions62€31k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€0▼
Other operating charges640/8€22k€21k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€106k€72k▼
Operating profit (loss)9901€48k€14k▼
Financial income75/76B€463€1k▲
Recurring financial income75€463€1k▲
Financial charges65/66B€213€3k▲
Recurring financial charges65€213€3k▲
Profit (loss) for the period before taxes9903€48k€13k▼
Income taxes67/77€10k€4k▼
Profit (loss) for the period9904€38k€9k▼
Profit (loss) for the period to be appropriated9905€38k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€9k▼
Profit (loss) brought forward from the previous period14P€-6k€0▲
Transfer from equity791/2-€32k
Transfer to equity691/2€32k€0▼
To other reserves6921€32k€0▼
Profit to be distributed694/7-€41k
Return on contributions (dividend)694-€41k
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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.44
Current ratio from 1.72 to 4.44; short-term debt falls from €25k to €18k.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-6k ▼117%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Wezembeek-Oppem · 1 establishment unit since 2021
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.
Lange Eikstraat 461970 Wezembeek-OppemGround area
1,579 m²
Building footprint
1,386 m²
Volume, LiDAR
19,510 m³
2 parcels, Brussels, Flanders · tallest building 24.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
KERA MANAGEMENT
since 20212.325.250.445
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21812N0550/00E000 | Brussels | 1,059 m² | 1 · 1,061 m² | 24.8 m · 6 fl. |
| 22006A0114/00P000 | Flanders | 520 m² | 1 · 325 m² | 14.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
875500PGEPB74N9W5487
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 36,045 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.