KIARA
ActiveThe computed 12-month bankruptcy probability of KIARA is 5.0% (elevated). The 2025 annual accounts show negative equity (€-53k) and a net result of €5k. Equity is shrinking by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 18281 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
49
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency0=
Growth58=
Track record94
Bankruptcy probability, 12 months
5.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Eight 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 · 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 2025Age of the figures
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 18281 sector peers (2025).
NBB · sector comparisonPosition among 18281 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
22 d late
2023
6 d early
2022
25 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-53k▲ 8.3%
2024 · €-58k
2022: €-30k
2023: €-42k
2024: €-58k
2022 → 2025
Total assets
€3k▼ 48.5%
2024 · €6k
2022: €46k
2023: €25k
2024: €6k
2022 → 2025
Net result
€5k
2024 · €-16k
2022: €-36k
2023: €-12k
2024: €-16k
2022 → 2025
Working capital
€-9k▲ 37.7%
2024 · €-14k
2022: €7k
2023: €-4k
2024: €-14k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-30k-€-42k▼ 41.4%€-58k▼ 38.7%€-53k▲ 8.3%
Operating result€-35k-€-12k▲ 65.5%€-16k▼ 31.9%€5k
Net result€-36k-€-12k▲ 65.6%€-16k▼ 32.2%€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €16k in 2024, the highest result in the available series.
Key figures and ratios
EBITDA
€6k▲
2024 · €-16k
Cash flow
€5k▲
2024 · €-16k
Interest coverage
21.34▲
2024 · -103.00
Debt
€57k▼
2024 · €65k
Debt ≤ 1 year
€12k▼
2024 · €20k
Debt > 1 year
€45k=
2024 · €45k
Ratios withheld: a balance sheet total of €3k is too small for a meaningful ratio.
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€6k€3k▼
Formation expenses20€897€420▼
Current assets29/58€5k€3k▼
Amounts receivable within one year40/41€3k€0▼
Trade receivables40€3k€0▼
Cash at bank and in hand54/58€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€6k€3k▼
Equity10/15€-58k€-53k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-64k€-59k▲
Amounts payable17/49€65k€57k▼
Amounts payable after more than one year17€45k€45k=
Financial debts170/4€45k€45k=
Amounts payable within one year42/48€20k€12k▼
Trade debts44€149€6k▲
Suppliers440/4€149€6k▲
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48€17k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€477€477=
Other operating charges640/8€7k€6k▼
Gross operating margin9900€-8k€12k▲
Operating profit (loss)9901€-16k€5k▲
Financial charges65/66B€152€261▲
Recurring financial charges65€152€261▲
Profit (loss) for the period before taxes9903€-16k€5k▲
Profit (loss) for the period9904€-16k€5k▲
Profit (loss) for the period to be appropriated9905€-16k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-64k€-59k▲
Profit (loss) brought forward from the previous period14P€-48k€-64k▼
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 3 loss-making years.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
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, Anderlecht · 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.
Dokter Lemoinelaan 111070 AnderlechtGround area
797 m²
Building footprint
333 m²
Volume, LiDAR
15,939 m³
Parcel 21308H0298/00G000, Brussels · tallest building 52.2 m, ±16 floors. Linked by address, not a title deed.
1 establishment unit
KIARA
since 20212.321.501.493
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0298/00G000 | Brussels | 797 m² | 1 · 333 m² | 52.2 m · 16 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 and region
BIBA GROUP
BE 0766.399.473
Anderlecht
FF GROUP
BE 0701.746.597
Anderlecht
FIDENZIANA
BE 0429.380.792
Anderlecht
GOLD & CASH
BE 1016.442.907
Anderlecht
GOLDEN WAYEZ
BE 0699.769.975
Anderlecht
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 2,017 companies in sector 47770 we hold annual accounts for 898.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2021
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.