KIMU
ActiveThe computed 12-month bankruptcy probability of KIMU is 1.7% (moderate). The 2025 annual accounts show equity of €35k and a net result of €3k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 26% of 18237 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▲+16
Solvency31▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.06 against 1.05 in 2024; short-term debt: 94% and cash: 0.3% of total assets), and 94% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6%
Return on assets
0.5%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
56 d late
2023
57 d late
2022
31 d late
2021
61 d late
2020
61 d late
2019
61 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3k▲ 264%
2024 · €869
2018: €606
2019: €39
2020: €41
2021: €3k
2022: €4k
2023: €4k
2024: €869
2018 → 2025
Working capital
€35k▲ 8.9%
2024 · €32k
2018: €19k
2019: €20k
2020: €20k
2021: €23k
2022: €36k
2023: €31k
2024: €32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€28k▲ 15.9%€31k▲ 13.2%€32k▲ 2.8%€35k▲ 9.8%
Operating result€3k-€1k▼ 52.8%€339▼ 72.4%€-2k€3k
Net result€3k-€4k▲ 24.4%€4k▼ 3.4%€869▼ 76.2%€3k▲ 264%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €590k
Fixed assets
€474▲ 216%
Current assets
€589k▼ 6.1%
Equity and liabilities €590k
Equity
€35k▲ 9.8%
Debt
€554k▼ 6.9%
The debt ratio falls from 94.9% to 94.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€3k
Cash flow
€3k
Solvency
6.0%▲
2024 · 5.1%
Current ratio
1.06▲
2024 · 1.05
Quick ratio
0.04▲
2024 · 0.03
Debt / equity
15.70▼
2024 · 18.53
ROE
9.0%▲
2024 · 2.7%
ROA
0.5%▲
2024 · 0.1%
Interest coverage
4.17
Debt
€554k▼
2024 · €595k
Debt ≤ 1 year
€554k▼
2024 · €595k
Income taxes
€1k
Staff costs
€31k▼
2024 · €47k
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€628k€590k▼
Fixed assets21/28€150€474▲
Tangible fixed assets22/27-€324
Furniture and vehicles24-€324
Financial fixed assets28€150€150=
Current assets29/58€627k€589k▼
Stocks and contracts in progress3€607k€569k▼
Stocks30/36€607k€569k▼
Amounts receivable within one year40/41€2k€18k▲
Trade receivables40€2k€18k▲
Cash at bank and in hand54/58€17k€2k▼
Deferred charges and accrued income490/1€1k€861▼
Equity and liabilities
Total equity and liabilities10/49€628k€590k▼
Equity10/15€32k€35k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€14k€17k▲
Amounts payable17/49€595k€554k▼
Amounts payable within one year42/48€595k€554k▼
Trade debts44€140k€186k▲
Suppliers440/4€140k€186k▲
Taxes, remuneration and social security45€101k€112k▲
Taxes450/3€19k€19k▲
Remuneration and social security454/9€82k€92k▲
Other amounts payable47/48€355k€257k▼
Income statement
Code20242025
Remuneration, social security and pensions62€47k€31k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€108
Other operating charges640/8€679€586▼
Gross operating margin9900€46k€35k▼
Operating profit (loss)9901€-2k€3k▲
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€1k€741▼
Recurring financial charges65€1k€741▼
Profit (loss) for the period before taxes9903€869€4k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€869€3k▲
Profit (loss) for the period to be appropriated9905€869€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€17k▲
Profit (loss) brought forward from the previous period14P€13k€14k▲
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €4k ▲24.4%
Net result €4k, the highest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 61 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 61 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 61 days late
2019
31-12
Financial
Weakest financial yearnet €39 ▼93.6%
Net result drops to €39, the lowest in the series; recovery starts the following year.
21-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 82 days late
2018
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 63 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Schaarbeek · 2 establishment units since 2013
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.
Paleizenstraat 911030 SchaarbeekGround area
1,375 m²
Building footprint
747 m²
Volume, LiDAR
13,378 m³
2 parcels, Brussels · tallest building 27.8 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
BEL INTERIEUR
since 20132.224.360.943
Bel intérieur
since 20262.383.575.852
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21902A0317/00T002 | Brussels | 754 m² | 1 · 132 m² | 17.1 m · 4 fl. |
| 21909E0213/00W000 | Brussels | 621 m² | 1 · 615 m² | 27.8 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Q-TIME INTERIORS
BE 0647.933.571
Wommelgem · Eq €35k
MEUBEL CONCEPT
BE 0884.957.427
Anderlecht · Eq €35k
MERKWIZIEN
BE 0555.645.593
Geraardsbergen · Eq €35k
MEUBLES OUTLET CENTER
BE 0841.940.006
Seraing · Eq €35k
TenDens Plaatsing
BE 0567.761.685
Zemst · Eq €35k
Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 1,100 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2013
Fiscal year end31-12
Activities, NACEBEL
47551Retail sale of household furniture
47591Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.