KEYPOINT
ActiveSummary
The annual accounts of KEYPOINT for fiscal year 2024 show a net loss of 79% of the equity at the start of that year. The 2024 annual accounts show equity of €2.7m and a net result of -€674,993. Equity is growing by ~77.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 2282 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
59
/ 100
Fair
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-70
Solvency83▲+32
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.88 against 0.83 in 2023; short-term debt: 26.9% and cash: 26.4% of total assets), and 41.7% of the assets are financed with debt.
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Signals
Three 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 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
58.3%
Return on assets
-14.8%
Age of the figures
21 mo
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 16-07-2025, 15 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
15 d early
2023
8 d early
2022
12 d early
2021
11 d late
2020
9 d late
2019
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money
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Financials · fiscal year 2024, abbreviated schema
Equity
€2.7m▲ 211%
2023 · €854,092
Total assets
€4.6m▲ 36.6%
2023 · €3.3m
Net result
-€674,993
2023 · €38,404
Working capital
€1.1m
2023 · -€284,690
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€106,459▲ 35.1%€14,543€26,418▲ 81.7%€49,948▲ 89.1%-€670,867
Net result-€85,446below the sector's middle half▲ 48.3%€32,944within the sector's middle half€43,051within the sector's middle half▲ 30.7%€38,404within the sector's middle half▼ 10.8%-€674,993below the sector's middle half
Equity€814,959within the sector's middle half▲ 540%€823,811within the sector's middle half▲ 1.1%€839,281within the sector's middle half▲ 1.9%€854,092within the sector's middle half▲ 1.8%€2.7mabove the sector's middle half▲ 211%
Total assets€990,431within the sector's middle half▲ 163%€1.7mwithin the sector's middle half▲ 67.7%€2.4mwithin the sector's middle half▲ 43.7%€3.3mabove the sector's middle half▲ 39.8%€4.6mabove the sector's middle half▲ 36.6%
Debt€175,472▼ 29.8%€836,975▲ 377%€1.5m▲ 84.8%€2.5m▲ 60.4%€1.9m▼ 23.4%
Working capital€481,393▲ 636%€293,080▼ 39.1%€20,773▼ 92.9%-€284,690€1.1m
Solvency82.3%above the sector's middle half▲ 48.5pp49.6%within the sector's middle half▼ 32.7pp35.2%within the sector's middle half▼ 14.4pp25.6%within the sector's middle half▼ 9.6pp58.3%within the sector's middle half▲ 32.7pp
Staff (FTE)5.1within the sector's middle half8.4within the sector's middle half▲ 64.7%12.6above the sector's middle half▲ 50.0%13above the sector's middle half▲ 3.2%15.4above the sector's middle half▲ 18.5%
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €670,867 after €49,948 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.6m
Fixed assets
€2.3m ▲ 24.9%
Current assets
€2.3m ▲ 61.8%
Equity and liabilities €4.6m
Equity
€2.7m ▲ 211%
Debt
€1.9m ▼ 23.4%
Debt's share of the balance-sheet total falls from 74.4% to 41.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
-€376,354▼
2023 · €295,818
Cash flow
-€380,480▼
2023 · €284,274
Current ratio
1.88▲
2023 · 0.83
Debt to equity
0.72▼
2023 · 2.90
ROE
-25.4%▼
2023 · 4.5%
ROA
-14.8%▼
2023 · 1.2%
Interest coverage
-7.99▼
2023 · 7.88
Debt ≤ 1 year
€1.2m▼
2023 · €1.7m
Debt > 1 year
€672,381▼
2023 · €763,618
Income taxes
€1,535▲
2023 · €1,000
Staff costs
€909,285▲
2023 · €759,359
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 224 companies that looked in July 2024 the way this one looks now, 4.0% went bankrupt within 24 months and 88% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
4.0%
went bankrupt
7.1%
stopped otherwise
88%
still going
A further 0.9% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 224 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €158 | - | - | - | - |
| Remuneration, social security and pensions62 | - | €400,040 | €615,651 | €759,359 | €909,285 | ▲ 19.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €64,750 | €91,086 | €100,663 | €245,870 | €294,513 | ▲ 19.8% |
| Other operating charges640/8 | - | €1,457 | €968 | €2,770 | €3,633 | ▲ 31.1% |
| Non-recurring operating charges66A | - | - | - | - | €83,236 | - |
| Gross operating margin9900 | €159,632 | €507,125 | €743,699 | €1.1m | €619,800 | ▼ 41.4% |
| Operating profit (loss)9901 | -€106,459 | €14,543 | €26,418 | €49,948 | -€670,867 | ▼ 1,443% |
| Financial income75/76B | - | €24,216 | €23,695 | €26,979 | €44,507 | ▲ 65.0% |
| Recurring financial income75 | €24,134 | €24,216 | €23,695 | €26,979 | €44,507 | ▲ 65.0% |
| Financial charges65/66B | - | €5,188 | €6,147 | €37,522 | €47,099 | ▲ 25.5% |
| Recurring financial charges65 | €2,686 | €5,188 | €6,147 | €37,522 | €47,099 | ▲ 25.5% |
| Profit (loss) for the period before taxes9903 | -€85,011 | €33,571 | €43,966 | €39,404 | -€673,459 | ▼ 1,809% |
| Income taxes67/77 | €435 | €627 | €915 | €1,000 | €1,535 | ▲ 53.5% |
| Profit (loss) for the period9904 | -€85,446 | €32,944 | €43,051 | €38,404 | -€674,993 | ▼ 1,858% |
| Profit (loss) for the period to be appropriated9905 | -€85,446 | €32,944 | €43,051 | €38,404 | -€674,993 | ▼ 1,858% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €990,431 | €1.7m | €2.4m | €3.3m | €4.6m | ▲ 36.6% |
| Formation expenses20 | €668 | €134 | - | €108,236 | €0 | ▼ 100% |
| Fixed assets21/28 | €340,909 | €556,156 | €843,329 | €1.8m | €2.3m | ▲ 24.9% |
| Intangible fixed assets21 | €308,614 | €493,336 | €784,570 | €1.8m | €2.2m | ▲ 25.2% |
| Tangible fixed assets22/27 | €30,468 | €62,620 | €58,560 | €52,165 | €59,526 | ▲ 14.1% |
| Furniture and vehicles24 | - | €39,632 | €37,985 | €28,030 | €38,435 | ▲ 37.1% |
| Other tangible fixed assets26 | - | €22,988 | €20,574 | €24,134 | €21,092 | ▼ 12.6% |
| Financial fixed assets28 | €1,827 | €200 | €200 | €200 | €200 | = |
| Current assets29/58 | €648,854 | €1.1m | €1.5m | €1.4m | €2.3m | ▲ 61.8% |
| Stocks and contracts in progress3 | - | - | - | €430,717 | €0 | ▼ 100% |
| Contracts in progress37 | - | - | - | €430,717 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €74,976 | €837,478 | €1.4m | €820,667 | €745,053 | ▼ 9.2% |
| Trade receivables40 | - | €832,337 | €1.4m | €818,582 | €742,053 | ▼ 9.3% |
| Other amounts receivable41 | - | €5,140 | €2,413 | €2,085 | €3,000 | ▲ 43.9% |
| Cash at bank and in hand54/58 | €569,906 | €259,172 | €161,557 | €135,343 | €1.2m | ▲ 790% |
| Deferred charges and accrued income490/1 | - | €7,848 | €12,483 | €37,196 | €354,049 | ▲ 852% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €990,431 | €1.7m | €2.4m | €3.3m | €4.6m | ▲ 36.6% |
| Equity10/15 | €814,959 | €823,811 | €839,281 | €854,092 | €2.7m | ▲ 211% |
| Contributions10/11 | - | €924,498 | €924,498 | €924,498 | €3.4m | ▲ 270% |
| Profit (loss) carried forward14 | -€326,366 | -€293,422 | -€250,371 | -€211,966 | -€886,960 | ▼ 318% |
| Investment grants15 | - | €192,735 | €165,154 | €141,560 | €117,967 | ▼ 16.7% |
| Amounts payable17/49 | €175,472 | €836,975 | €1.5m | €2.5m | €1.9m | ▼ 23.4% |
| Amounts payable after more than one year17 | €7,819 | €25,353 | €17,795 | €763,618 | €672,381 | ▼ 11.9% |
| Financial debts170/4 | - | €25,353 | €17,795 | €763,618 | €672,381 | ▼ 11.9% |
| Amounts payable within one year42/48 | €167,462 | €811,417 | €1.5m | €1.7m | €1.2m | ▼ 28.4% |
| Current portion of amounts payable after more than one year42 | - | €14,072 | €20,877 | €90,999 | €126,233 | ▲ 38.7% |
| Financial debts43 | - | €233,809 | €2,186 | €511,050 | €5,247 | ▼ 99.0% |
| Credit institutions430/8 | - | €233,809 | - | €510,047 | €0 | ▼ 100% |
| Other loans439 | - | - | €2,186 | €1,002 | €5,247 | ▲ 424% |
| Trade debts44 | €54,345 | €463,343 | €1.4m | €908,901 | €877,396 | ▼ 3.5% |
| Suppliers440/4 | - | €463,343 | €1.4m | €908,901 | €877,396 | ▼ 3.5% |
| Taxes, remuneration and social security45 | - | €98,836 | €108,926 | €166,646 | €215,105 | ▲ 29.1% |
| Taxes450/3 | - | €34,593 | €43,417 | €49,724 | €67,831 | ▲ 36.4% |
| Remuneration and social security454/9 | - | €64,243 | €65,509 | €116,922 | €147,274 | ▲ 26.0% |
| Other amounts payable47/48 | - | €1,357 | €23,769 | €31,017 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | €206 | €7,026 | €8,276 | €2,987 | ▼ 63.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€85,446 | €32,944 | €43,051 | €38,404 | -€674,993 | ▼ 1,858% |
| + Depreciation and write-downs630 | €64,750 | €91,086 | €100,663 | €245,870 | €294,513 | ▲ 19.8% |
| Operating cash flow (approximation) | -€20,696 | €124,030 | €143,713 | €284,274 | -€380,480 | ▼ 234% |
| Investment in fixed assets (approximation) | - | -€306,333 | -€387,836 | -€1.2m | -€743,610 | ▲ 38.3% |
| Change in cash | - | -€310,734 | -€97,615 | -€26,214 | €1.1m | ▲ 4,178% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet -€674,993
Net result drops to -€674,993, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 1.88
Current ratio from 0.83 to 1.88; short-term debt falls from €1.7m to €1.2m.
31-12
Financial
Equity above €2mEq €2.7m ▲211%
Equity rises from €854,092 to €2.7m.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €43,051 ▲30.7%
Net result €43,051, the highest in the series.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 11 days late
2021
31-12
Financial
Back to profitnet €32,944
Net result €32,944 after 3 loss-making years.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 9 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 3.87
Current ratio from 1.30 to 3.87; short-term debt falls from €215,238 to €167,462.
31-12
Financial
Equity above €500,000Eq €814,959 ▲540%
Equity rises from €127,294 to €814,959.
Show earlier events
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 60 days late
2019
31-12
Financial
Equity above €100,000Eq €127,294 ▲147%
Equity rises from €51,504 to €127,294.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
11 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, Gistel · 1 establishment unit since 2017
Ground area
1,722 m²
Building footprint
806 m²
Volume, LiDAR
346 m³
Parcel 35005A0694/00V000, Flanders · tallest building 8.9 m. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
KEYPOINT
since 20172.263.787.186
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35005A0694/00V000 | Flanders | 1,722 m² | 1 · 806 m² | 8.9 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 6,572 EUR awarded · 6,572 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 1,710 EUR |
| 2024 | 1 | 1,787 EUR | 1,787 EUR |
| 2023 | 1 | 1,800 EUR | 2,085 EUR |
| 2022 | 1 | 2,985 EUR | 990 EUR |
Recognitions · licences · registrations
Recognised contractor
6 categoriesKEYPOINT BV42207
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Of 11,218 companies in sector 82100 we hold annual accounts for 3,516. 926 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-04-2017
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
82100Office administrative and support services
43990Other specialised construction activities
62200Computer consultancy and computer facilities management
63910Web portal activities
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
Contact
E-mail
tijs@keypoint.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0674440604
Also
9925:BE0674440604
Registered
30-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.