KH montage
ActiveSummary
The computed 12-month bankruptcy probability of KH montage is 3.0% (moderate). The annual accounts of KH montage for fiscal year 2025 show a net loss of 83% of the equity at the start of that year. The 2025 annual accounts show equity of €2k and a net result of €-8k. Equity is shrinking by ~49.5% per year across the filed fiscal years. Its solvency ranks better than 11% of 27786 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-40
Solvency29▼-11
Growth32=
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit 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 short (current ratio 0.49 against 0.73 in 2024; short-term debt: 77% and cash: 21.1% of total assets), and 95.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 2025Solvency, return and age of the figures
Solvency
4.4%
Return on assets
-22.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 11%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
14 d early
2024
29 d early
2023
37 d early
2022
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 83.4%
2024 · €9k
2022: €15k
2023: €8k
2024: €9k
2022 → 2025
Total assets
€35k▼ 41.6%
2024 · €60k
2022: €98k
2023: €68k
2024: €60k
2022 → 2025
Net result
€-8k
2024 · €881
2022: €10k
2023: €-7k
2024: €881
2022 → 2025
Working capital
€-14k▼ 67.1%
2024 · €-8k
2022: €-8k
2023: €-12k
2024: €-8k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€15k-€8k▼ 45.2%€9k▲ 10.4%€2k▼ 83.4%
Operating result€12k-€-4k€3k€-5k
Net result€10k-€-7k€881€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35k
Fixed assets
€22k ▼ 42.3%
Current assets
€13k ▼ 40.6%
Equity and liabilities €35k
Equity
€2k ▼ 83.4%
Debt
€34k ▼ 34.0%
Debt's share of the balance-sheet total rises from 84.5% to 95.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €20k
Cash flow
€8k▼
2024 · €17k
Current ratio
0.49▼
2024 · 0.73
Debt to equity
21.70▲
2024 · 5.46
ROE
-502.2%▼
2024 · 9.4%
ROA
-22.1%▼
2024 · 1.5%
Interest coverage
3.72▼
2024 · 8.98
Debt ≤ 1 year
€27k▼
2024 · €31k
Debt > 1 year
€7k▼
2024 · €20k
Income taxes
€141
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€60k€35k▼
Fixed assets21/28€38k€22k▼
Tangible fixed assets22/27€38k€22k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€33k€19k▼
Current assets29/58€22k€13k▼
Amounts receivable within one year40/41€12k€5k▼
Trade receivables40€10k€5k▼
Other amounts receivable41€1k€528▼
Cash at bank and in hand54/58€10k€7k▼
Deferred charges and accrued income490/1€308€434▲
Equity and liabilities
Total equity and liabilities10/49€60k€35k▼
Equity10/15€9k€2k▼
Contributions10/11€5k€5k=
Reserves13€4k-
Distributable reserves133€4k-
Profit (loss) carried forward14-€-3k
Amounts payable17/49€51k€34k▼
Amounts payable after more than one year17€20k€7k▼
Financial debts170/4€20k€7k▼
Amounts payable within one year42/48€31k€27k▼
Current portion of amounts payable after more than one year42€14k€14k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€2k€141▼
Taxes450/3-€141
Remuneration and social security454/9€2k-
Other amounts payable47/48€11k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€16k▼
Other operating charges640/8€942€1k▲
Gross operating margin9900€21k€13k▼
Operating profit (loss)9901€3k€-5k▼
Financial income75/76B€3€0▼
Recurring financial income75€3€0▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€881€-8k▼
Income taxes67/77-€141
Profit (loss) for the period9904€881€-8k▼
Profit (loss) for the period to be appropriated9905€881€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€881€-8k▼
Transfer from equity791/2-€4k
Transfer to equity691/2€881-
To other reserves6921€881-
The notes to these accounts (5 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-8k ▼986%
Net result drops to €-8k, the lowest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €881
Net result €881 after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
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, Oudsbergen · 1 establishment unit since 2021
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.
Kromstraat 213670 OudsbergenGround area
794 m²
Building footprint
166 m²
Volume, LiDAR
962 m³
Parcel 72022B0319/00K000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KH montage
since 20212.320.291.864
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72022B0319/00K000 | Flanders | 794 m² | 1 · 166 m² | 10.5 m · 2 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
MEDNES
BE 0727.678.261
Koekelberg · Eq €1,539
K&CO
BE 0751.894.906
Sint-Pieters-Leeuw · Eq €1,539
PUBRO Stellingbouw
BE 0444.650.077
Lille · Eq €1,531
CR TOUTPRET
BE 0700.213.603
Sint-Jans-Molenbeek · Eq €1,591
GEWI
BE 0886.572.575
Olen · Eq €1,507
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 1,032 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
41001General construction of residential buildings
43211General electrical installation work
43221Plumbing work
43230Insulation installation
43332Laying of wooden floor and wall coverings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@khmontage.be