KERNN HR
ActiveSummary
KERNN HR has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €20k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 25% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+10
Solvency44▼-56
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 6.65 in 2024; short-term debt: 70% and cash: 61.7% of total assets), and 81.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
18.6%
Return on assets
16.5%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
25 d early
2024
3 d early
2023
20 d early
2022
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▼ 71.9%
2024 · €79k
2022: €48k
2023: €70k
2024: €79k
2022 → 2025
Total assets
€119k▲ 16.5%
2024 · €102k
2022: €65k
2023: €84k
2024: €102k
2022 → 2025
Net result
€20k▲ 125%
2024 · €9k
2022: €46k
2023: €22k
2024: €9k
2022 → 2025
Working capital
€17k▼ 76.3%
2024 · €72k
2022: €45k
2023: €65k
2024: €72k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€48k-€70k▲ 45.3%€79k▲ 12.4%€22k▼ 71.9%
Operating result€60k-€30k▼ 50.5%€13k▼ 56.9%€30k▲ 130%
Net result€46k-€22k▼ 52.2%€9k▼ 60.2%€20k▲ 125%
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 2025; 2025 is 130% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€19k ▲ 6.0%
Current assets
€100k ▲ 18.7%
Equity and liabilities €119k
Equity
€22k ▼ 71.9%
Debt
€97k ▲ 315%
Debt's share of the balance-sheet total rises from 22.9% to 81.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€32k▲
2024 · €16k
Cash flow
€22k▲
2024 · €12k
Current ratio
1.20▼
2024 · 6.65
Debt to equity
4.38▲
2024 · 0.30
ROE
88.7%▲
2024 · 11.0%
ROA
16.5%▲
2024 · 8.5%
Interest coverage
8.57▼
2024 · 11.56
Debt ≤ 1 year
€83k▲
2024 · €13k
Debt > 1 year
€11k▲
2024 · €11k
Income taxes
€6k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€102k€119k▲
Fixed assets21/28€18k€19k▲
Tangible fixed assets22/27€18k€19k▲
Land and buildings22€2k€3k▲
Furniture and vehicles24€15k€16k▲
Current assets29/58€84k€100k▲
Amounts receivable after more than one year29€16k€0▼
Other amounts receivable291€16k€0▼
Amounts receivable within one year40/41€28k€18k▼
Trade receivables40€19k€15k▼
Other amounts receivable41€9k€3k▼
Cash at bank and in hand54/58€26k€73k▲
Deferred charges and accrued income490/1€14k€9k▼
Equity and liabilities
Total equity and liabilities10/49€102k€119k▲
Equity10/15€79k€22k▼
Contributions10/11€3k€3k=
Reserves13€76k€0▼
Distributable reserves133€76k€0▼
Profit (loss) carried forward14-€20k
Amounts payable17/49€23k€97k▲
Amounts payable after more than one year17€11k€11k▲
Financial debts170/4€11k€11k▲
Amounts payable within one year42/48€13k€83k▲
Current portion of amounts payable after more than one year42€4k€0▼
Trade debts44€829€1k▲
Suppliers440/4€829€1k▲
Taxes, remuneration and social security45€7k€16k▲
Taxes450/3€7k€16k▲
Other amounts payable47/48€980€66k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€1k€464▼
Gross operating margin9900€17k€33k▲
Operating profit (loss)9901€13k€30k▲
Financial income75/76B€465€0▼
Recurring financial income75€465€0▼
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€12k€26k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€9k€20k▲
Profit (loss) for the period to be appropriated9905€9k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€20k▲
Transfer from equity791/2-€76k
Transfer to equity691/2€9k€0▼
To other reserves6921€9k€0▼
Profit to be distributed694/7-€76k
Return on contributions (dividend)694-€76k
The notes to these accounts (6 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €9k ▼60.2%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
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
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, Oudsbergen · 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.
Ophovenstraat 1093670 OudsbergenGround area
1,245 m²
Building footprint
158 m²
Parcel 72011C0490/00C002, Flanders. Linked by address, not a title deed.
1 establishment unit
KERNN HR
since 20212.320.025.907
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72011C0490/00C002 | Flanders | 1,245 m² | 1 · 158 m² | - |
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
2022 to 2025 · 4 entries · 6,076 EUR awarded · 6,076 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,320 EUR | 1,320 EUR |
| 2024 | 1 | 2,025 EUR | 3,327 EUR |
| 2023 | 1 | 2,435 EUR | 1,133 EUR |
| 2022 | 1 | 296 EUR | 296 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 5,966 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-08-2021
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:greet@kernnhr.be