KIJABO I is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €3.07M and a net result of €954k. Equity is growing by ~63.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 6156 sector peers (fiscal year 2024). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
30 d late
2022
67 d late
2021
78 d late
2020
20 d late
2019
68 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€3.07M▲ 45.1%
2023 · €2.11M
2018: €-543k
2019: €-906k
2020: €-1.10M
2021: €971k
2022: €1.69M
2023: €2.11M
2018 → 2024
Net result
€954k▲ 127%
2023 · €421k
2018: €-456k
2019: €-363k
2020: €-193k
2021: €2.07M
2022: €723k
2023: €421k
2018 → 2024
Total assets
€9.91M▲ 11.9%
2023 · €8.85M
2018: €9.56M
2019: €9.36M
2020: €9.33M
2021: €12.53M
2022: €12.46M
2023: €8.85M
2018 → 2024
Solvency
31.0%▲ 7.1pp
2023 · 23.9%
2018: -5.7%
2019: -9.7%
2020: -11.8%
2021: 7.7%
2022: 13.6%
2023: 23.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-1.10M-€971k€1.69M▲ 74.5%€2.11M▲ 24.8%€3.07M▲ 45.1%
Operating result€-6k-€-11k▼ 92.0%€-8k▲ 31.4%€-9k▼ 18.8%€-7k▲ 20.9%
Net result€-193k-€2.07M€723k▼ 65.1%€421k▼ 41.8%€954k▲ 127%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2024 against €9k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €9.91M
Fixed assets
€9.91M▲ 12.0%
Current assets
€2k▼ 80.2%
Equity and liabilities €9.91M
Equity
€3.07M▲ 45.1%
Debt
€6.84M▲ 1.5%
The debt ratio falls from 76.1% to 69.0%. Equity and debt are higher.
Key figures and ratios
Solvency
31.0%▲
2023 · 23.9%
ROE
31.1%▲
2023 · 19.9%
ROA
9.6%▲
2023 · 4.8%
Debt
€6.84M▲
2023 · €6.74M
Debt > 1 year
€6.84M▲
2023 · €6.74M
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€8.85M€9.91M▲
Fixed assets21/28€8.84M€9.91M▲
Financial fixed assets28€8.84M€9.91M▲
Current assets29/58€9k€2k▼
Cash at bank and in hand54/58€9k€2k▼
Equity and liabilities
Total equity and liabilities10/49€8.85M€9.91M▲
Equity10/15€2.11M€3.07M▲
Contributions10/11€3.50M€3.50M=
Capital10€3.50M€3.50M=
Issued capital100€3.50M€3.50M=
Reserves13€193k€193k=
Non-distributable reserves130/1€193k€193k=
Legal reserve130€193k€193k=
Profit (loss) carried forward14€-1.58M€-625k▲
Amounts payable17/49€6.74M€6.84M▲
Amounts payable after more than one year17€6.74M€6.84M▲
Other amounts payable178/9€6.74M€6.84M▲
Amounts payable within one year42/48€0-
Trade debts44€0-
Suppliers440/4€0-
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20232024
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-8k€-6k▲
Operating profit (loss)9901€-9k€-7k▲
Financial income75/76B€590k€1.06M▲
Recurring financial income75€0€1.06M▲
Non-recurring financial income76B€590k€1.06M▲
Financial charges65/66B€160k€101k▼
Recurring financial charges65€160k€101k▼
Profit (loss) for the period before taxes9903€421k€954k▲
Profit (loss) for the period9904€421k€954k▲
Profit (loss) for the period to be appropriated9905€421k€954k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1.58M€-625k▲
Profit (loss) brought forward from the previous period14P€-2.00M€-1.58M▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Equity above €2MEq €2.11M ▲24.8%
3 profitable years in a row build equity to €2.11M.
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 67 days late
2022
31-12
Financial
Equity above €1MEq €1.69M ▲74.5%
2 profitable years in a row build equity to €1.69M.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 78 days late
2021
31-12
Financial
Back to profitnet €2.07M
Net result €2.07M after 3 loss-making years.
31-12
Financial
Equity above €500kEq €971k
Equity rises from €-1.10M to €971k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 20 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 68 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
01-07
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
9 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, Lanaken · 1 establishment unit since 1996
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.
Lijsterstraat 133620 LanakenGround area
3,671 m²
Building footprint
453 m²
Volume, LiDAR
1,808 m³
Parcel 73322A0253/00M000, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Lijsterstraat 13, 3620 Lanaken
since 19962.079.740.277
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73322A0253/00M000 | Flanders | 3,671 m² | 1 · 453 m² | 6.7 m · 1 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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NATURE FOREVER
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CERPA
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 9,639 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-10-1996
Fiscal year end31-12
Activities, NACEBEL
64210Activities of holding companies
69201Certified accountants and tax accountants
70100Activities of head offices
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.