KEYLAB
ActiveKEYLAB has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €41k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 47% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency82▼-15
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 3.47 in 2024; short-term debt: 41.3% and cash: 30.9% of total assets), and 43.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
56.9%
Return on assets
30.5%
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 11-07-2026, 20 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
20 d early
2024
2 d late
2023
1 d early
2022
5 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▼ 0.5%
2024 · €76k
2022: €32k
2023: €71k
2024: €76k
2022 → 2025
Total assets
€134k▲ 26.5%
2024 · €106k
2022: €75k
2023: €102k
2024: €106k
2022 → 2025
Net result
€41k▲ 10.5%
2024 · €37k
2022: €27k
2023: €39k
2024: €37k
2022 → 2025
Working capital
€59k▲ 1.0%
2024 · €58k
2022: €9k
2023: €48k
2024: €58k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€32k-€71k▲ 124%€76k▲ 8.0%€76k▼ 0.5%
Operating result€37k-€48k▲ 32.5%€51k▲ 5.8%€53k▲ 3.0%
Net result€27k-€39k▲ 47.5%€37k▼ 6.0%€41k▲ 10.5%
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 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€20k▼ 17.6%
Current assets
€114k▲ 39.6%
Equity and liabilities €134k
Equity
€76k▼ 0.5%
Debt
€58k▲ 97.3%
The debt ratio rises from 27.6% to 43.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€61k▲
2024 · €59k
Cash flow
€49k▲
2024 · €45k
Solvency
56.9%▼
2024 · 72.4%
Current ratio
2.06▼
2024 · 3.47
Quick ratio
2.06▼
2024 · 3.47
Debt / equity
0.76▲
2024 · 0.38
ROE
53.6%▲
2024 · 48.2%
ROA
30.5%▼
2024 · 34.9%
Interest coverage
137.75▲
2024 · 106.43
Debt
€58k▲
2024 · €29k
Debt ≤ 1 year
€55k▲
2024 · €23k
Debt > 1 year
€2k▼
2024 · €6k
Income taxes
€12k▼
2024 · €14k
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€106k€134k▲
Fixed assets21/28€24k€20k▼
Intangible fixed assets21€10k€6k▼
Tangible fixed assets22/27€10k€9k▼
Furniture and vehicles24€10k€9k▼
Financial fixed assets28€5k€5k=
Current assets29/58€81k€114k▲
Amounts receivable within one year40/41€22k€29k▲
Trade receivables40€21k€27k▲
Other amounts receivable41€442€2k▲
Current investments50/53€35k€35k=
Cash at bank and in hand54/58€23k€41k▲
Deferred charges and accrued income490/1€2k€8k▲
Equity and liabilities
Total equity and liabilities10/49€106k€134k▲
Equity10/15€76k€76k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€71k€71k▼
Amounts payable17/49€29k€58k▲
Amounts payable after more than one year17€6k€2k▼
Financial debts170/4€6k€2k▼
Amounts payable within one year42/48€23k€55k▲
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€6k€16k▲
Suppliers440/4€6k€16k▲
Taxes, remuneration and social security45€10k€10k▲
Taxes450/3€9k€10k▲
Remuneration and social security454/9€500€0▼
Other amounts payable47/48€4k€26k▲
Accrued charges and deferred income492/3€61€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€566€584▲
Gross operating margin9900€60k€62k▲
Operating profit (loss)9901€51k€53k▲
Financial income75/76B€135€31▼
Recurring financial income75€135€31▼
Financial charges65/66B€555€443▼
Recurring financial charges65€555€443▼
Profit (loss) for the period before taxes9903€51k€52k▲
Income taxes67/77€14k€12k▼
Profit (loss) for the period9904€37k€41k▲
Profit (loss) for the period to be appropriated9905€37k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€103k€112k▲
Profit (loss) brought forward from the previous period14P€66k€71k▲
Profit to be distributed694/7€31k€41k▲
Return on contributions (dividend)694€31k€41k▲
The notes to these accounts (16 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
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €41k ▲10.5%
Operating result €53k, net result €41k, both a record.
02-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 2 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 3.16
Current ratio from 1.30 to 3.16; short-term debt falls from €31k to €22k.
26-07
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, Namur · 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.
Rue du Centre(SM) 495003 NamurGround area
146 m²
Building footprint
59 m²
Volume, LiDAR
494 m³
Parcel 92106A0122/00L006, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
KEYLAB
since 20222.332.283.836
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92106A0122/00L006 | Wallonia | 146 m² | 1 · 59 m² | 10.2 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
Pirlet IT
BE 1001.806.003
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DK Consulting
BE 0740.941.329
Bierbeek · Eq €76k
Aurelica
BE 0778.887.036
Antwerpen · Eq €76k
IACOMUS
BE 0644.656.258
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FAST LANE
BE 0769.638.283
Vorselaar · Eq €76k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,574 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2022
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
78200Temporary employment agencies and other provision of personnel
78300Employment activities
82990Other business support services
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.
Contact details
2 entriesE-mail:libert.ky@gmail.com
Phone:0475583181