Kiowa
ActiveThe computed 12-month bankruptcy probability of Kiowa is 1.9% (moderate). The 2025 annual accounts show equity of €2k and a net result of €6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 18173 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+34
Solvency30▲+12
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.05 against 1.01 in 2024; short-term debt: 82% and cash: 1.6% of total assets), and 94.5% 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.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
9 d late
2024
1 d early
2023
49 d early
2022
42 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k
2024 · €-4k
2022: €-8k
2023: €861
2024: €-4k
2022 → 2025
Total assets
€38k▼ 24.2%
2024 · €51k
2022: €34k
2023: €49k
2024: €51k
2022 → 2025
Net result
€6k
2024 · €-5k
2022: €-10k
2023: €9k
2024: €-5k
2022 → 2025
Working capital
€2k▲ 212%
2024 · €487
2022: €-2k
2023: €3k
2024: €487
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-8k-€861€-4k€2k
Operating result€-10k-€16k€3k▼ 81.0%€26k▲ 766%
Net result€-10k-€9k€-5k€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 766% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€5k▼ 36.1%
Current assets
€33k▼ 21.8%
Equity and liabilities €38k
Equity
€2k
Debt
€36k
Debt finances 94.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€29k▲
2024 · €6k
Cash flow
€9k▲
2024 · €-2k
Solvency
5.5%▲
2024 · -7.2%
Current ratio
1.05▲
2024 · 1.01
Quick ratio
0.96▲
2024 · 0.95
Debt / equity
17.32▲
2024 · -14.82
ROE
274.9%
ROA
15.0%▲
2024 · -8.9%
Interest coverage
1.44▲
2024 · 1.00
Debt
€36k▼
2024 · €54k
Debt ≤ 1 year
€31k▼
2024 · €42k
Debt > 1 year
€5k▼
2024 · €13k
Income taxes
€2k▲
2024 · €481
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€51k€38k▼
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€8k€5k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€42k€33k▼
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€38k€30k▼
Trade receivables40€1k-
Other amounts receivable41€37k€30k▼
Cash at bank and in hand54/58€915€622▼
Deferred charges and accrued income490/1€638-
Equity and liabilities
Total equity and liabilities10/49€51k€38k▼
Equity10/15€-4k€2k▲
Contributions10/11€2k€2k=
Reserves13-€95
Distributable reserves133-€95
Profit (loss) carried forward14€-6k-
Amounts payable17/49€54k€36k▼
Amounts payable after more than one year17€13k€5k▼
Financial debts170/4€13k€5k▼
Amounts payable within one year42/48€42k€31k▼
Current portion of amounts payable after more than one year42€6k€8k▲
Financial debts43€3k-
Credit institutions430/8€3k-
Trade debts44€12k€3k▼
Suppliers440/4€12k€3k▼
Taxes, remuneration and social security45€21k€21k▲
Taxes450/3€21k€21k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€4k€484▼
Gross operating margin9900€10k€29k▲
Operating profit (loss)9901€3k€26k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€9k€20k▲
Recurring financial charges65€6k€20k▲
Non-recurring financial charges66B€3k-
Profit (loss) for the period before taxes9903€-4k€8k▲
Income taxes67/77€481€2k▲
Profit (loss) for the period9904€-5k€6k▲
Profit (loss) for the period to be appropriated9905€-5k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€95▲
Profit (loss) brought forward from the previous period14P€-1k€-6k▼
Transfer to equity691/2-€95
To other reserves6921-€95
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
Next filing, fiscal year 2026, expected by
2026
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
19-06
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, Retie · 1 establishment unit since 2022
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.
Looiendsebergen 182470 RetieGround area
1,577 m²
Building footprint
94 m²
Volume, LiDAR
573 m³
Parcel 13036A0914/00H005, Flanders · tallest building 14.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kiowa
since 20222.327.124.030
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13036A0914/00H005 | Flanders | 1,577 m² | 1 · 94 m² | 14.4 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.
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Of 10,674 companies in sector 47811 we hold annual accounts for 5,223. 989 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2022
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
25530Machining of metals
85599Other education
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.