Kim Stessens
ActiveSummary
The computed 12-month bankruptcy probability of Kim Stessens is 2.2% (moderate). The 2025 annual accounts show equity of €12k and a net result of €2k. Equity is shrinking by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 19% 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
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-51
Solvency41▼-33
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.97 in 2024; short-term debt: 83.7% and cash: 96.1% of total assets), and 83.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 19%
← 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 31-03-2026, 122 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
122 d early
2024
22 d early
2023
6 d early
2022
90 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
€12k▼ 61.0%
2024 · €30k
2022: €22k
2023: €20k
2024: €30k
2022 → 2025
Total assets
€72k▲ 18.1%
2024 · €61k
2022: €32k
2023: €41k
2024: €61k
2022 → 2025
Net result
€2k▼ 83.6%
2024 · €10k
2022: €20k
2023: €-3k
2024: €10k
2022 → 2025
Working capital
€12k▼ 61.0%
2024 · €30k
2022: €21k
2023: €19k
2024: €30k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€22k-€20k▼ 12.6%€30k▲ 52.7%€12k▼ 61.0%
Operating result€28k-€-3k€13k€5k▼ 64.7%
Net result€20k-€-3k€10k€2k▼ 83.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €72k
Equity
€12k ▼ 61.0%
Debt
€60k ▲ 94.9%
Debt's share of the balance-sheet total rises from 50.8% to 83.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €13k
Cash flow
€2k▼
2024 · €11k
Current ratio
1.19▼
2024 · 1.97
Debt to equity
5.15▲
2024 · 1.03
ROE
14.6%▼
2024 · 34.5%
ROA
2.4%▼
2024 · 17.0%
Interest coverage
2.03▼
2024 · 112.30
Debt ≤ 1 year
€60k▲
2024 · €31k
Income taxes
€620▼
2024 · €3k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€61k€72k▲
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Plant, machinery and equipment23€0-
Furniture and vehicles24€0-
Current assets29/58€61k€72k▲
Amounts receivable within one year40/41€6k€2k▼
Other amounts receivable41€6k€2k▼
Cash at bank and in hand54/58€54k€69k▲
Deferred charges and accrued income490/1€847€878▲
Equity and liabilities
Total equity and liabilities10/49€61k€72k▲
Equity10/15€30k€12k▼
Contributions10/11€3k€3k=
Reserves13-€9k
Distributable reserves133-€9k
Profit (loss) carried forward14€27k€0▼
Amounts payable17/49€31k€60k▲
Amounts payable within one year42/48€31k€60k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45-€689
Taxes450/3-€689
Other amounts payable47/48€28k€57k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€257€0▼
Other operating charges640/8€608€824▲
Gross operating margin9900€14k€5k▼
Operating profit (loss)9901€13k€5k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€118€2k▲
Recurring financial charges65€118€2k▲
Profit (loss) for the period before taxes9903€13k€2k▼
Income taxes67/77€3k€620▼
Profit (loss) for the period9904€10k€2k▼
Profit (loss) for the period to be appropriated9905€10k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€29k▲
Profit (loss) brought forward from the previous period14P€17k€27k▲
Transfer from equity791/2-€20k
Transfer to equity691/2-€29k
To other reserves6921-€29k
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
The notes to these accounts (3 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-3k ▼114%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
02-05
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, Lommel · 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.
Pater Eymardstraat 133920 LommelGround area
757 m²
Building footprint
129 m²
Volume, LiDAR
871 m³
Parcel 72344D0293/00M003, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kim Stessens
since 20212.315.872.426
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72344D0293/00M003 | Flanders | 757 m² | 1 · 129 m² | 9.7 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
RENO DELTA
BE 0504.887.572
Awans · Eq €11,729
Laurens Horré
BE 0756.574.066
Izegem · Eq €11,662
ALVES & TEIXEIRA
BE 0597.666.983
Brussel · Eq €11,632
Segers
BE 0806.181.153
Ravels · Eq €11,819
BOUWHEER DEVELOPMENT GROUP
BE 0881.682.191
Antwerpen · Eq €11,547
Of 4,012 companies in sector 43310 we hold annual accounts for 1,745. 1,119 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
Founded01-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.