Summary
KEY4MORE 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 €241,197 and a net result of €102,933. Its solvency ranks better than 74% of 6,687 sector peers (NACE 64, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 27-06-2023 Normal situation
- Activity
- Activities of holding companies NACE 64210
- Establishment unit
- 2.355.969.355 3582 Beringen, since 27-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 22-09-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €102,933
- ▼ 23.9%
- Equity
- €241,197
- ▲ 74.4%
- Total assets
- €313,818
- ▲ 46.1%
Filed on 30-06-2026, 31 days before the deadline
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
31 days early
2024
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 31 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 30-06-2026 at the NBB all 2 filings
Equity
€241,197▲ 74.4%
2024 · €138,265
Net result
€102,933▼ 23.9%
2024 · €135,265
Total assets
€313,818▲ 46.1%
2024 · €214,870
Solvency
76.9%▲ 12.5pp
2024 · 64.3%
Trend over the years
2024 to 2025, 2 financial years
The operating result for 2025 is 43% lower than in 2024.
Operating result€98,673
2025
Net result€102,933
2025
Total assets€313,818
2025
Equity€241,197
2025
Debt€72,621
2025
Working capital€231,197
2025
Return on assets (ROA)32.8%
2025
Solvency76.9%
2025
Current ratio4.18
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result€173,318-€98,673▼ 43.1%
Net result€135,265above the sector's middle half-€102,933within the sector's middle half▼ 23.9%
Equity€138,265within the sector's middle half-€241,197within the sector's middle half▲ 74.4%
Total assets€214,870within the sector's middle half-€313,818below the sector's middle half▲ 46.1%
Debt€76,605-€72,621▼ 5.2%
Working capital€128,265within the sector's middle half-€231,197within the sector's middle half▲ 80.3%
Solvency64.3%within the sector's middle half-76.9%within the sector's middle half▲ 12.5pp
Current ratio2.67within the sector's middle half-4.18above the sector's middle half▲ 1.51
Return on assets (ROA)63.0%above the sector's middle half-32.8%above the sector's middle half▼ 30.2pp
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €313,818
Fixed assets
€10,000 =
Current assets
€303,818 ▲ 48.3%
Equity and liabilities €313,818
Equity
€241,197 ▲ 74.4%
Debt
€72,621 ▼ 5.2%
Debt's share of the balance-sheet total falls from 35.7% to 23.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
42.7%▼
2024 · 97.8%
Debt ≤ 1 year
€72,621▼
2024 · €76,605
Income taxes
€20,564▼
2024 · €39,440
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Financial fixed assets | €10,000 | €10,000 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as KEY4MORE: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €241,000 and €340,000, founded in 2023.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| KEY4MORE Beringen | 2023 | €313,818 | €241,197 | €99,135 | €102,933 | 2025 |
| EA-CONSULT Beringen | 2023 | €278,268 | €223,321 | €116,613 | €83,764 | 2025 |
| BRYLIE Tessenderlo-Ham | 2023 | €261,380 | €178,311 | €89,995 | €68,109 | 2025 |
| CHAMAGG Hasselt | 2023 | €256,738 | €171,616 | €114,191 | €84,018 | 2025 |
| BelgianCows Maasmechelen | 2023 | €241,228 | €168,538 | €92,351 | €67,411 | 2025 |
| SWYKA Zoutleeuw | 2023 | €339,926 | €263,384 | €100,983 | €71,918 | 2025 |
| Together We Manage Herentals | 2023 | €282,308 | €209,691 | €105,259 | €67,010 | 2025 |
They were chosen from the 20,097 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €919 | €462 | ▼ 49.7% |
| Gross operating margin9900 | €174,237 | €99,135 | ▼ 43.1% |
| Operating profit (loss)9901 | €173,318 | €98,673 | ▼ 43.1% |
| Financial income75/76B | €1,490 | €25,001 | ▲ 17× |
| Recurring financial income75 | €1,490 | €25,001 | ▲ 17× |
| Financial charges65/66B | €103 | €178 | ▲ 73.0% |
| Recurring financial charges65 | €103 | €178 | ▲ 73.0% |
| Profit (loss) for the period before taxes9903 | €174,705 | €123,496 | ▼ 29.3% |
| Income taxes67/77 | €39,440 | €20,564 | ▼ 47.9% |
| Profit (loss) for the period9904 | €135,265 | €102,933 | ▼ 23.9% |
| Profit (loss) for the period to be appropriated9905 | €135,265 | €102,933 | ▼ 23.9% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €214,870 | €313,818 | ▲ 46.1% |
| Fixed assets21/28 | €10,000 | €10,000 | = |
| Financial fixed assets28 | €10,000 | €10,000 | = |
| Current assets29/58 | €204,870 | €303,818 | ▲ 48.3% |
| Amounts receivable within one year40/41 | €85,512 | €128,344 | ▲ 50.1% |
| Trade receivables40 | €20,512 | €21,384 | ▲ 4.3% |
| Other amounts receivable41 | €65,000 | €106,960 | ▲ 64.6% |
| Cash at bank and in hand54/58 | €117,868 | €173,984 | ▲ 47.6% |
| Deferred charges and accrued income490/1 | €1,490 | €1,490 | = |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €214,870 | €313,818 | ▲ 46.1% |
| Equity10/15 | €138,265 | €241,197 | ▲ 74.4% |
| Contributions10/11 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €135,265 | €238,197 | ▲ 76.1% |
| Amounts payable17/49 | €76,605 | €72,621 | ▼ 5.2% |
| Amounts payable within one year42/48 | €76,605 | €72,621 | ▼ 5.2% |
| Trade debts44 | €10,487 | €36 | ▼ 99.7% |
| Suppliers440/4 | €10,487 | €36 | ▼ 99.7% |
| Taxes, remuneration and social security45 | €61,689 | €72,585 | ▲ 17.7% |
| Taxes450/3 | €49,689 | €72,585 | ▲ 46.1% |
| Remuneration and social security454/9 | €12,000 | €0 | ▼ 100% |
| Other amounts payable47/48 | €4,429 | €0 | ▼ 100% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €135,265 | €102,933 | ▼ 23.9% |
| Operating cash flow (approximation) | €135,265 | €102,933 | ▼ 23.9% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €56,116 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Directors
1 director, no change since 2023
Vermeire Kristof Frederik Omer
Current
Director (not named in the articles) · appointed in the act of 29-06-2023 · term without a fixed end · also on the board of 1 other company · listed in the 2025 annual accounts, filed on 30-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 29-06-2023Owners and capital
Shareholders
At incorporation
act of 29-06-2023 ↗
- VERMEIRE Kristof Frederik Omer 100 shares (100%) · €3,000
Capital transactions
Capital over time
- 29-06-2023 Incorporation · €3,000 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “1”
Articles of association, deed of 29-06-2023 (in Dutch)
Network & group
Board mandates elsewhere
1 board mandateBoard mandates of KEY4MOREKEY4MORE sits on their board1
2 locations
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
VEBO
via Vermeire Kristof Frederik Omer · Director (not named in the articles)
→
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
30-06
abbreviated format · 31 days before the deadline
2025
31-12
Financial
Equity above €200,000equity €241,197 ▲74.4%
With a profit in every financial year since 2024, equity grows to €241,197.
30-06
micro format · 31 days before the deadline
2023
29-06
Gazette deed
IncorporationStarting capital €3,000 · Appointment: VERMEIRE Kristof Frederik Omer (director) · Bank account8 points ▸
Gazette deed
Incorporation
Starting capital €3,000 · Appointment: VERMEIRE Kristof Frederik Omer (director) · Bank account8 points ▸
- Founding capital, €3,000
- Bank account, “vennootschap in oprichting, bijzondere rekening” (deed in Dutch)
- Declaration, “volstorting aandelen”, EUR (deed in Dutch)
- Declaration, “bevestiging deponering, Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Director appointment, VERMEIRE Kristof Frederik Omer (director (not named in the articles))
- Registered office clause, “3582 Beringen(Koersel),Koolmijnlaan 196” (deed in Dutch)
- Founder, VERMEIRE Kristof Frederik Omer
- Incorporation, 26-06-2023
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
KEY4MORE was incorporated on 27 June 2023 as a private limited company by one natural person, with a starting capital of €3,000.12 Vermeire Kristof Frederik Omer is director of the company, appointed in the act of 29-06-2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Register details
Identity
KBO recordName
KEY4MORE in Dutch
Enterprise number
0803.213.844
Legal form
Private limited company
Status
Active, normale toestand
Founded
27-06-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 29-06-2023 (in Dutch)Name clauseThe company operates under this name according to its articles.
KEY4MORE BV
deed of 29-06-2023 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaamse Gewest”
deed of 29-06-2023 (in Dutch)Registered office and establishments
Registered office
Koolmijnlaan 196, 3582 Beringen, Belgium
Establishment unit
KEY4MORE, Koolmijnlaan 196, 3582 Beringen since 27-06-2023 · unit number 2.355.969.355
E-mail
kristof@key4more.be
Phone
0478883461
Activities
NACEBEL 202564210
Activities of holding companies main activity
Codes under NACEBEL 2008
64200
Holdings main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 29-06-2023 (in Dutch)
“Bedrijfsadviseur voor ondernemingen, vennootschappen en particulieren; Management en bestuur van ondernemingen; Het optreden als…”
41 activities
- Bedrijfsadviseur voor ondernemingen, vennootschappen en particulieren;
- Management en bestuur van ondernemingen;
- Het optreden als tussenpersoon met betrekking tot voorgeschreven doel;
- De aan- en verkoop, huur en verhuur van onroerende goederen. Zij mag haar onroerende goederen in hypotheek stellen en al haar andere goederen, met inbegrip van het handelsfonds, in pand stellen en mag aval verlenen voor alle leningen, krediet-opnemingen en alle andere verbintenissen, zowel voor haarzelf als voor alle derden op voorwaarde dat zij er zelf belang bij heeft. De vennootschap kan zowel voor eigen rekening als voor rekening van derden binnen de perken van de wet alle financiële, commerciële, industriële daden en verrichtingen stellen met roerend of onroerend karakter, die rechtstreeks of onrechtstreeks, geheel of gedeeltelijk, verband houden met haar maatschappelijk doel, de ontwikkeling ervan kunnen teweegbrengen of de verwezenlijking ervan kunnen vergemakkelijken. Zij zal zich mogen interesseren, door inbreng, versmelting, participatie of anderszins in bestaande en op te richten maatschappijen, ondernemingen of verenigingen, waarvan het doel geheel of gedeeltelijk identiek, analoog of gelijkend is aan of samenhangend met dit alles;
- Overige adviesbureaus op het gebied van bedrijfsbeheer, adviesbureau op het gebied van bedrijfsuitvoering;
- Reclamebureau;
- Overige advisering in verband met programmatuur en levering van programmatuur;
- Organisatie van salons, tentoonstellingen en beurzen, gepaard gaand met de nodige voorzieningen aan versnaperingen;
- Managementwerkzaamheden;
- Alle mogelijke advies- en/of dienstenfuncties op het vlak van bedrijfsorganisaties algemeen;
- Alle mogelijke advies- en/of dienstenfuncties op het vlak van personeelsadvies in het bijzonder;
- Data management, beheer en/of verwerking hiervan;
- Consultancy, opleiding en training en bijstand op het domein van onder andere bedrijfsorganisatie, bedrijfsbeleid, bedrijfsbeheer, personeelsplanning, marketing personeels- en loonadministratie, inzetbaarheid, werving en selectie van personeel, personeelsbeoordeling en evaluatie;
- Het uitvoeren van bovenvermelde activiteiten "in house" en bij de klant ter plaatse;
- Het geven van advies en verstrekken van diensten met betrekking tot de organisatie en het beheer van bedrijven die op deze domeinen actief zijn, de vertegenwoordiging en het optreden als tussenpersoon;
- Goederenvervoer over de weg, m.u.v. verhuisbedrijven;
- Onderneming van onroerende goederen, welke onder meer bevat de verwerving, de vervreemding, het beheer, de valorisatie, de verkaveling, de huur en de verhuur, het doen bouwen en verbouwen, het promoten en het coördineren van het bouwen van onroerende goederen, het onderhoud en het herstellen van gebouwen, de renovatie en de restauratie van gebouwen, evenals welk danige onroerende verhandelingen in de meest brede zin, inbegrepen de onroerende leasing;
- Het aan- en verkopen van onroerende goederen met het oog op het bouwen, verbouwen of renoveren:
- Het kopen, verkopen of verkavelen van gronden;
- Het beheren van roerende en onroerende goederen en het beheren van portefeuillewaarden van en andere immateriële vaste activa;
- De verwerving voor eigen rekening als participaties, onder welke vorm ook, in de oprichting, ontwikkeling, omvorming en controle van om het even welke ondernemingen, Belgische of buitenlandse, commerciële of andere vennootschappen;
- Onderneming in roerende financiële goederen in de ruime zin, zoals onder meer kopen en verkopen van aandelen, fondsen, enzovoort;
- Studie-, organisatie- en raadgevend bureau inzake financiële, handels-, sociale-, administratieve en computer aangelegenheden;
- Tussenpersoon in de handel, als makelaar in goederen, als zelfstandig handelsvertegenwoordiger, als commissionair en als consignatie;
- Het verlenen van managementadvies en bijstand in de ruime zin aan eender wie; worden onder meer bedoeld het verstrekken van adviezen van organisatorische, commerciële, technische, financiële en administratieve aard, alsmede op het vlak van het bedrijfsbeleid;
- In het algemeen het ter beschikking stellen van een gestructureerd dienstenadvies, hulp- en bestuurdersbijstandspakket, dit alles in de meest ruime zin;
- Het participeren onder welke vorm het ook zij, in de oprichting, ontwikkeling, omvorming en controle van alle ondernemingen, Belgische of buitenlandse, commerciële of financiële, technische, industriële of andere, de verwerving van eender welke titels of rechten door middel van participatie, inbreng, onderschrijving, koop op vaste lening of aankoopoptie, verhandeling of op iedere andere wijze;
- Het uitoefenen van mandaten van bestuurder en/of vereffenaar in andere ondernemingen of vennootschappen;
- Holdingvennootschap;
- Change management;
- Interim management;
- Concept management;
- Project management;
- Ontwikkelen en continu optimaliseren van de financiële strategie;
- Coördineren van de uitvoering ervan, onder andere door middel van het organiseren van campagnes, evenementen;
- Samenbrengen van bedrijven om krachten samen te bundelen;
- Organiseren van seminaries;
- Sales Management, business develop management;
- Detailhandel in computers, randapparatuur en software in gespecialiseerde winkels;
- Aankoop, herstel en verkoop van classic moto’s en auto’s;
- Handelsbemiddeling in goederen, algemeen assortiment;
Invoicing and payment
VAT number
BE 0803.213.844
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Friday of June at 19:00
deed of 29-06-2023 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
1,819 m²
Building footprint
143 m²
Building volume
1,262 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71522C0003/00G066 | Flanders | 1,819 m² | 1 · 143 m² | 11.7 m · 3 |