Kindermans Jan
ActiveKindermans Jan has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.50M and a net result of €918k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 33% of 3286 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+2
Solvency49=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 1.22 in 2024; short-term debt: 13.7% and cash: 7% of total assets), and 75.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
24.4%
Return on assets
9%
Age of the figures
9 mo
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 03-03-2026, 150 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
150 d early
2024
28 d late
2023
31 d late
2022
32 d early
2021
11 d early
2020
24 d early
2019
28 d early
← 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, abbreviated schema
Equity
€2.50M▲ 17.1%
2024 · €2.13M
2018: €356k
2019: €900k
2020: €423k
2021: €1.11M
2022: €1.31M
2023: €1.70M
2024: €2.13M
2018 → 2025
Total assets
€10.21M▲ 16.9%
2024 · €8.74M
2018: €1.67M
2019: €2.25M
2020: €3.52M
2021: €5.58M
2022: €6.51M
2023: €6.42M
2024: €8.74M
2018 → 2025
Net result
€918k▲ 45.9%
2024 · €629k
2018: €303k
2019: €537k
2020: €402k
2021: €691k
2022: €728k
2023: €590k
2024: €629k
2018 → 2025
Working capital
€51k▼ 73.2%
2024 · €189k
2018: €-20k
2019: €443k
2020: €-1.29M
2021: €254k
2022: €95k
2023: €266k
2024: €189k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.11M-€1.31M▲ 17.7%€1.70M▲ 29.7%€2.13M▲ 25.2%€2.50M▲ 17.1%
Operating result€949k-€1.06M▲ 11.7%€779k▼ 26.6%€864k▲ 10.9%€1.35M▲ 55.9%
Net result€691k-€728k▲ 5.3%€590k▼ 19.0%€629k▲ 6.7%€918k▲ 45.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 56% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.21M
Fixed assets
€8.76M▲ 13.7%
Current assets
€1.45M▲ 40.6%
Equity and liabilities €10.21M
Equity
€2.50M▲ 17.1%
Debt
€7.72M▲ 16.8%
The debt ratio falls from 75.6% to 75.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.72M▲
2024 · €1.30M
Cash flow
€1.29M▲
2024 · €1.07M
Solvency
24.4%▲
2024 · 24.4%
Current ratio
1.04▼
2024 · 1.22
Quick ratio
1.04▼
2024 · 1.22
Debt / equity
3.09▼
2024 · 3.10
ROE
36.8%▲
2024 · 29.5%
ROA
9.0%▲
2024 · 7.2%
Interest coverage
11.07▼
2024 · 13.24
Debt
€7.72M▲
2024 · €6.61M
Debt ≤ 1 year
€1.40M▲
2024 · €844k
Debt > 1 year
€6.30M▲
2024 · €5.73M
Income taxes
€293k▲
2024 · €188k
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€8.74M€10.21M▲
Fixed assets21/28€7.71M€8.76M▲
Tangible fixed assets22/27€7.15M€8.21M▲
Land and buildings22€7.12M€8.16M▲
Plant, machinery and equipment23€34k€44k▲
Financial fixed assets28€551k€551k=
Current assets29/58€1.03M€1.45M▲
Amounts receivable within one year40/41€33k€75k▲
Trade receivables40€3k€5k▲
Other amounts receivable41€30k€69k▲
Current investments50/53€657k€660k▲
Cash at bank and in hand54/58€343k€716k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€8.74M€10.21M▲
Equity10/15€2.13M€2.50M▲
Contributions10/11€19k€19k=
Reserves13€2.11M€2.48M▲
Distributable reserves133€2.11M€2.48M▲
Amounts payable17/49€6.61M€7.72M▲
Amounts payable after more than one year17€5.73M€6.30M▲
Financial debts170/4€5.73M€6.30M▲
Amounts payable within one year42/48€844k€1.40M▲
Current portion of amounts payable after more than one year42€496k€525k▲
Trade debts44€244€2k▲
Suppliers440/4€244€2k▲
Taxes, remuneration and social security45€111k€194k▲
Taxes450/3€111k€194k▲
Other amounts payable47/48€236k€681k▲
Accrued charges and deferred income492/3€29k€16k▼
Income statement
Code20242025
Non-recurring operating income76A€32k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€441k€376k▼
Other operating charges640/8€24k€32k▲
Gross operating margin9900€1.33M€1.75M▲
Operating profit (loss)9901€864k€1.35M▲
Financial income75/76B€53k€20k▼
Recurring financial income75€53k€20k▼
Financial charges65/66B€99k€156k▲
Recurring financial charges65€99k€156k▲
Profit (loss) for the period before taxes9903€818k€1.21M▲
Income taxes67/77€188k€293k▲
Profit (loss) for the period9904€629k€918k▲
Profit (loss) for the period to be appropriated9905€629k€918k▲
Appropriation of the result
Profit (loss) to be appropriated9906€629k€918k▲
Transfer from equity791/2€200k€553k▲
Transfer to equity691/2€629k€918k▲
To other reserves6921€629k€918k▲
Profit to be distributed694/7€200k€553k▲
Return on contributions (dividend)694€200k€553k▲
The notes to these accounts (18 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
03-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €918k ▲45.9%
Operating result €1.35M, net result €918k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Equity above €2MEq €2.13M ▲25.2%
7 profitable years in a row build equity to €2.13M.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity triplescurrent ratio 1.48
Current ratio from 0.44 to 1.48; short-term debt falls from €2.30M to €529k.
31-12
Financial
Equity above €1MEq €1.11M ▲164%
4 profitable years in a row build equity to €1.11M.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity doublescurrent ratio 1.96
Current ratio from 0.94 to 1.96.
31-12
Financial
Equity above €500kEq €900k ▲153%
2 profitable years in a row build equity to €900k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 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, Edegem · 1 establishment unit since 2016
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.
Renaat de Rudderlaan 202650 EdegemGround area
4,089 m²
Building footprint
417 m²
Volume, LiDAR
3,265 m³
2 parcels, Brussels, Flanders · tallest building 18.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Camille Lemonnierstraat 8, 1050 Elsene
since 20162.253.636.929
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472C0188/00W008 | Flanders | 3,934 m² | 1 · 301 m² | 11.2 m · 2 fl. |
| 21447B0306/00E035 | Brussels | 155 m² | 1 · 116 m² | 18.3 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845005B60E157AC0M46
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Of 2,258 companies in sector 69102 we hold annual accounts for 1,754. 870 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-06-2016
Fiscal year end31-12
Activities, NACEBEL
69102Activities of notaries
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.