KEYMARKS
ActiveKEYMARKS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €150k and a net result of €67k. Equity is growing by ~37.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 2917 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
100
/ 100
Excellent▲ +6 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+83
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 5.48 against 5.63 in 2023), and 17.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-07-2025, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
17 d early
2023
22 d early
2022
24 d early
2021
5 d early
2020
3 d early
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€150k▲ 69.4%
2023 · €88k
2018: €21k
2019: €25k
2020: €54k
2021: €87k
2022: €87k
2023: €88k
2018 → 2024
Total assets
€181k▲ 72.3%
2023 · €105k
2018: €36k
2019: €32k
2020: €81k
2021: €113k
2022: €116k
2023: €105k
2018 → 2024
Net result
€67k▲ 2,093%
2023 · €3k
2018: €2k
2019: €6k
2020: €31k
2021: €35k
2022: €-418
2023: €3k
2018 → 2024
Working capital
€141k▲ 81.8%
2023 · €78k
2018: €16k
2019: €24k
2020: €53k
2021: €69k
2022: €73k
2023: €78k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€54k-€87k▲ 61.4%€87k▼ 0.5%€88k▲ 1.6%€150k▲ 69.4%
Operating result€42k-€52k▲ 24.9%€3k▼ 94.3%€5k▲ 72.6%€97k▲ 1,793%
Net result€31k-€35k▲ 12.7%€-418€3k€67k▲ 2,093%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 1,793% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €181k
Fixed assets
€9k▼ 20.5%
Current assets
€173k▲ 82.9%
Equity and liabilities €181k
Equity
€150k▲ 69.4%
Debt
€32k▲ 87.8%
The debt ratio rises from 16.0% to 17.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€101k▲
2023 · €9k
Cash flow
€71k▲
2023 · €7k
Solvency
82.6%▼
2023 · 84.0%
Current ratio
5.48▼
2023 · 5.63
Quick ratio
5.48▼
2023 · 5.63
Debt / equity
0.21▲
2023 · 0.19
ROE
45.0%▲
2023 · 3.5%
ROA
37.2%▲
2023 · 2.9%
Interest coverage
27.64▲
2023 · 4.15
Debt
€32k▲
2023 · €17k
Debt ≤ 1 year
€32k▲
2023 · €17k
Income taxes
€26k▲
2023 · €1k
Staff costs
€0▼
2023 · €30k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€105k€181k▲
Fixed assets21/28€11k€9k▼
Tangible fixed assets22/27€11k€9k▼
Furniture and vehicles24€9k€7k▼
Other tangible fixed assets26€1k€1k=
Current assets29/58€94k€173k▲
Amounts receivable within one year40/41€50k€5▼
Trade receivables40€32k€0▼
Other amounts receivable41€19k€5▼
Cash at bank and in hand54/58€39k€168k▲
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€105k€181k▲
Equity10/15€88k€150k▲
Contributions10/11€19k€19k=
Reserves13€70k€131k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€70k€131k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€17k€32k▲
Amounts payable within one year42/48€17k€32k▲
Financial debts43€1k€99▼
Credit institutions430/8€1k€99▼
Trade debts44€9k€6k▼
Suppliers440/4€9k€6k▼
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€4k€24k▲
Accrued charges and deferred income492/3€33€0▼
Income statement
Code20232024
Remuneration, social security and pensions62€30k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€602€1k▲
Gross operating margin9900€39k€102k▲
Operating profit (loss)9901€5k€97k▲
Financial income75/76B€1k€120▼
Recurring financial income75€1k€120▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€4k€93k▲
Income taxes67/77€1k€26k▲
Profit (loss) for the period9904€3k€67k▲
Profit (loss) for the period to be appropriated9905€3k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€67k▲
Profit (loss) brought forward from the previous period14P€-418€0▲
Transfer from equity791/2-€6k
Transfer to equity691/2€991€67k▲
To other reserves6921€991€67k▲
Profit to be distributed694/7€2k€6k▲
Return on contributions (dividend)694€2k€6k▲
Social balance
Average headcount (FTE)90870.60.0▼
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
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €67k ▲2093%
Operating result €97k, net result €67k, both a record.
31-12
Financial
Equity above €100kEq €150k ▲69.4%
2 profitable years in a row build equity to €150k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-418 ▼101%
Net result drops to €-418, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 4.30
Current ratio from 2.13 to 4.30; short-term debt falls from €14k to €7k.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
18-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Schaarbeek · 1 establishment unit since 2009
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.
Opaallaan 111030 SchaarbeekGround area
461 m²
Building footprint
146 m²
Volume, LiDAR
1,792 m³
Parcel 21905C0150/00W007, Brussels · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
KEYMARKS - Baïozar - Boris Cosinus
since 20092.183.165.439
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21905C0150/00W007 | Brussels | 461 m² | 1 · 146 m² | 15.3 m · 4 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.
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BE 0870.411.385
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Eveline Kinet
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Christian Garsou Management
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Of 2,750 companies in sector 69109 we hold annual accounts for 1,204. 926 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2009
Fiscal year end31-12
Trade name NL
"Baïozar" en "Boris Cosinus"
Activities, NACEBEL
69109Other legal services
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.