KEVIN DEFOUR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €154k and a net result of €56k. Equity is growing by ~53.6% per year across the filed fiscal years. Its solvency ranks better than 73% of 8006 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 12-12-2025, 139 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
139 d early
2024
43 d early
2023
141 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€154k▲ 57.3%
2024 · €98k
2023: €49k
2024: €98k
2023 → 2025
Net result
€56k▲ 1.1%
2024 · €56k
2023: €39k
2024: €56k
2023 → 2025
Total assets
€203k▲ 18.4%
2024 · €172k
2023: €142k
2024: €172k
2023 → 2025
Solvency
75.8%▲ 18.8pp
2024 · 57.1%
2023: 34.6%
2024: 57.1%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€49k-€98k▲ 99.3%€154k▲ 57.3%
Operating result€52k-€72k▲ 37.9%€71k▼ 0.6%
Net result€39k-€56k▲ 42.7%€56k▲ 1.1%
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 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €203k
Fixed assets
€36k▼ 31.4%
Current assets
€167k▲ 40.5%
Equity and liabilities €203k
Equity
€154k▲ 57.3%
Debt
€49k▼ 33.4%
The debt ratio falls from 42.9% to 24.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
75.8%▲
2024 · 57.1%
ROE
36.4%▼
2024 · 56.7%
ROA
27.6%▼
2024 · 32.4%
Debt
€49k▼
2024 · €74k
Debt ≤ 1 year
€27k▼
2024 · €35k
Debt > 1 year
€22k▼
2024 · €38k
Income taxes
€16k▲
2024 · €16k
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€172k€203k▲
Fixed assets21/28€53k€36k▼
Tangible fixed assets22/27€53k€36k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€50k€34k▼
Current assets29/58€119k€167k▲
Amounts receivable after more than one year29€31k€31k=
Other amounts receivable291€31k€31k=
Amounts receivable within one year40/41€27k€36k▲
Trade receivables40€1k€2k▲
Other amounts receivable41€26k€34k▲
Current investments50/53€6k€9k▲
Cash at bank and in hand54/58€53k€88k▲
Deferred charges and accrued income490/1€971€2k▲
Equity and liabilities
Total equity and liabilities10/49€172k€203k▲
Equity10/15€98k€154k▲
Contributions10/11€15k€15k=
Reserves13€83k€139k▲
Distributable reserves133€83k€139k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€74k€49k▼
Amounts payable after more than one year17€38k€22k▼
Financial debts170/4€38k€22k▼
Amounts payable within one year42/48€35k€27k▼
Current portion of amounts payable after more than one year42€16k€17k▲
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Taxes, remuneration and social security45€11k€9k▼
Taxes450/3€11k€9k▼
Other amounts payable47/48€3k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▼
Other operating charges640/8€994€1k▲
Gross operating margin9900€90k€89k▼
Operating profit (loss)9901€72k€71k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€71k€72k▲
Income taxes67/77€16k€16k▲
Profit (loss) for the period9904€56k€56k▲
Profit (loss) for the period to be appropriated9905€56k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€56k▲
Transfer from equity791/2€7k€0▼
Transfer to equity691/2€56k€56k▲
To other reserves6921€56k€56k▲
Profit to be distributed694/7€7k€0▼
Return on contributions (dividend)694€7k€0▼
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
2025
12-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-09
Financial
Highest result since 2023net €56k ▲1.1%
Net result €56k, the highest in the series.
30-09
Financial
Equity above €150kEq €154k ▲57.3%
3 profitable years in a row build equity to €154k.
18-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
11-12
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Kortrijk · 1 establishment unit since 2022
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.
Fressendestraat(Rol) 268510 KortrijkGround area
313 m²
Building footprint
84 m²
Parcel 34033B0591/00S000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
KEVIN DEFOUR
since 20222.334.904.024
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34033B0591/00S000 | Flanders | 313 m² | 1 · 84 m² | 0.1 m |
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
TAGAFAR
BE 0776.448.079
Waregem · Eq €154k
duke26
BE 0536.407.030
Tervuren · Eq €154k
MASTERMINDS
BE 0666.829.864
Antwerpen · Eq €154k
MAXONA
BE 1026.578.714
Grimbergen · Eq €154k
DE ZWARTE KAT
BE 0453.363.449
Aalst · Eq €154k
Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,284 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2022
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.