KEVIN MARTEL
ActiveKEVIN MARTEL has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119k and a net result of €55k. Equity is growing by ~46.3% per year across the filed fiscal years. Its solvency ranks better than 65% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▼-2
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.53 against 11.68 in 2024; short-term debt: 27.1% and cash: 74.2% of total assets), and 27.1% 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 62
Relative position
BE, all sectors
reference
Sector 62
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
72.9%
Return on assets
33.8%
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 23-07-2026, 8 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
8 d early
2024
27 d late
2023
5 d late
2022
28 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€119k▲ 20.5%
2024 · €99k
2022: €17k
2023: €53k
2024: €99k
2022 → 2025
Total assets
€164k▲ 52.3%
2024 · €108k
2022: €32k
2023: €76k
2024: €108k
2022 → 2025
Net result
€55k▲ 20.1%
2024 · €46k
2022: €15k
2023: €36k
2024: €46k
2022 → 2025
Working capital
€113k▲ 23.5%
2024 · €91k
2022: €15k
2023: €49k
2024: €91k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€17k-€53k▲ 216%€99k▲ 87.0%€119k▲ 20.5%
Operating result€22k-€50k▲ 127%€59k▲ 16.3%€71k▲ 21.4%
Net result€15k-€36k▲ 145%€46k▲ 27.3%€55k▲ 20.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €164k
Fixed assets
€7k▼ 13.4%
Current assets
€157k▲ 57.5%
Equity and liabilities €164k
Equity
€119k▲ 20.5%
Debt
€44k▲ 421%
The debt ratio rises from 7.9% to 27.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€73k▲
2024 · €62k
Cash flow
€57k▲
2024 · €50k
Solvency
72.9%▼
2024 · 92.1%
Current ratio
3.53▼
2024 · 11.68
Quick ratio
3.53▼
2024 · 11.68
Debt / equity
0.37▲
2024 · 0.09
ROE
46.4%▼
2024 · 46.5%
ROA
33.8%▼
2024 · 42.8%
Interest coverage
73.38▼
2024 · 400.74
Debt
€44k▲
2024 · €9k
Debt ≤ 1 year
€44k▲
2024 · €9k
Income taxes
€15k▲
2024 · €12k
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€108k€164k▲
Fixed assets21/28€8k€7k▼
Tangible fixed assets22/27€8k€7k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€8k€5k▼
Current assets29/58€100k€157k▲
Amounts receivable within one year40/41€22k€26k▲
Trade receivables40€17k€17k▼
Other amounts receivable41€6k€9k▲
Cash at bank and in hand54/58€77k€122k▲
Deferred charges and accrued income490/1€406€10k▲
Equity and liabilities
Total equity and liabilities10/49€108k€164k▲
Equity10/15€99k€119k▲
Contributions10/11€2k€2k=
Reserves13€45k€45k=
Distributable reserves133€45k€45k=
Profit (loss) carried forward14€53k€73k▲
Amounts payable17/49€9k€44k▲
Amounts payable within one year42/48€9k€44k▲
Financial debts43€1k€2k▲
Credit institutions430/8€1k€2k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€2k€1k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€1k€37k▲
Income statement
Code20242025
Non-recurring operating income76A-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€418€2k▲
Gross operating margin9900€63k€75k▲
Operating profit (loss)9901€59k€71k▲
Financial income75/76B€5€0▼
Recurring financial income75€5€0▼
Financial charges65/66B€155€994▲
Recurring financial charges65€155€994▲
Profit (loss) for the period before taxes9903€58k€70k▲
Income taxes67/77€12k€15k▲
Profit (loss) for the period9904€46k€55k▲
Profit (loss) for the period to be appropriated9905€46k€55k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€108k▲
Profit (loss) brought forward from the previous period14P€6k€53k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7-€35k
Return on contributions (dividend)694-€35k
The notes to these accounts (8 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €55k ▲20.1%
Operating result €71k, net result €55k, both a record.
31-12
Financial
Equity above €100kEq €119k ▲20.5%
4 profitable years in a row build equity to €119k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 11.68
Current ratio from 3.12 to 11.68; short-term debt falls from €23k to €9k.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 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, Overijse · 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.
Lijsterbessenlaan 103090 OverijseGround area
119 m²
Building footprint
119 m²
Volume, LiDAR
846 m³
Parcel 23062M0364/00A000, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
KEVIN MARTEL
since 20222.334.693.592
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062M0364/00A000 | Flanders | 119 m² | 1 · 119 m² | 10.3 m · 3 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.
Similar companies · same sector, comparable size
Obsiden
BE 1015.991.757
Somme-Leuze · Eq €119k
CADDICT
BE 0827.597.862
Puurs-Sint-Amands · Eq €119k
DLW
BE 0455.642.553
Nijlen · Eq €119k
WEGA CONSULTING
BE 0474.337.225
Arendonk · Eq €120k
ARNAUD LEURS CONSULTING
BE 0802.114.378
Chièvres · Eq €120k
Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,926 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-08-2022
Fiscal year end31-12
Abbreviation NL
KM
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.