KERMANA
ActiveKERMANA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10k and a net result of €13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency15▼-85
Growth58▼-20
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.91 against 6.12 in 2024), and 90.8% of the assets are financed with debt.
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
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
9.2%
Return on assets
12.2%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 31487 sector peers (2025).
NBB · sector comparisonPosition among 31487 sector peers
Solvency
better than 16%
← weakest
strongest →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
3 d early
2024
22 d early
2023
30 d late
2022
27 d early
2021
24 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 83.1%
2024 · €57k
2021: €15k
2022: €14k
2023: €32k
2024: €57k
2021 → 2025
Total assets
€104k▲ 59.2%
2024 · €66k
2021: €34k
2022: €38k
2023: €41k
2024: €66k
2021 → 2025
Net result
€13k▼ 47.9%
2024 · €24k
2021: €11k
2022: €-1k
2023: €19k
2024: €24k
2021 → 2025
Working capital
€-8k
2024 · €45k
2021: €14k
2022: €7k
2023: €24k
2024: €45k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€14k▼ 9.6%€32k▲ 139%€57k▲ 75.8%€10k▼ 83.1%
Operating result€17k-€2k▼ 88.4%€27k▲ 1,267%€34k▲ 26.5%€23k▼ 32.2%
Net result€11k-€-1k€19k€24k▲ 30.4%€13k▼ 47.9%
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 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104k
Fixed assets
€18k▲ 48.7%
Current assets
€86k▲ 61.5%
Equity and liabilities €104k
Equity
€10k▼ 83.1%
Debt
€95k▲ 982%
The debt ratio rises from 13.4% to 90.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€25k▼
2024 · €35k
Cash flow
€15k▼
2024 · €26k
Solvency
9.2%▼
2024 · 86.6%
Current ratio
0.91▼
2024 · 6.12
Quick ratio
0.91▼
2024 · 6.12
Debt / equity
9.89▲
2024 · 0.15
ROE
133.2%▲
2024 · 43.1%
ROA
12.2%▼
2024 · 37.4%
Interest coverage
9.38▼
2024 · 300.89
Debt
€95k▲
2024 · €9k
Debt ≤ 1 year
€95k▲
2024 · €9k
Income taxes
€8k▼
2024 · €9k
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€66k€104k▲
Fixed assets21/28€12k€18k▲
Tangible fixed assets22/27€6k€7k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€4k€5k▲
Financial fixed assets28€6k€11k▲
Current assets29/58€53k€86k▲
Amounts receivable within one year40/41€4k€18k▲
Trade receivables40€3k€12k▲
Other amounts receivable41€2k€6k▲
Cash at bank and in hand54/58€47k€65k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€66k€104k▲
Equity10/15€57k€10k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€53k€6k▼
Amounts payable17/49€9k€95k▲
Amounts payable within one year42/48€9k€95k▲
Trade debts44€293€29k▲
Suppliers440/4€293€29k▲
Taxes, remuneration and social security45€8k€15k▲
Taxes450/3€6k€13k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€141€51k▲
Accrued charges and deferred income492/3€25€41▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€805€499▼
Gross operating margin9900€36k€26k▼
Operating profit (loss)9901€34k€23k▼
Financial income75/76B€228€340▲
Recurring financial income75€228€340▲
Financial charges65/66B€115€3k▲
Recurring financial charges65€115€3k▲
Profit (loss) for the period before taxes9903€34k€20k▼
Income taxes67/77€9k€8k▼
Profit (loss) for the period9904€24k€13k▼
Profit (loss) for the period to be appropriated9905€24k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€66k▲
Profit (loss) brought forward from the previous period14P€28k€53k▲
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
The notes to these accounts (13 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €24k ▲30.4%
Operating result €34k, net result €24k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.68
Current ratio from 1.27 to 3.68; short-term debt falls from €24k to €9k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-1k ▼113%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Braine-l'Alleud · 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.
Rue Les Tiennes 551421 Braine-l'AlleudGround area
1,230 m²
Building footprint
120 m²
Volume, LiDAR
714 m³
Parcel 25078A0240/00M002, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KERMANA
since 20212.315.453.742
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25078A0240/00M002 | Wallonia | 1,230 m² | 1 · 120 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.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 22,424 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.
Contact details
2 entriesE-mail:kermana.srl@gmail.com
Phone:0476604242