KIPSTORE
ActiveKIPSTORE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €504k and a net result of €113k. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88=
Solvency95▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.36 against 4.2 in 2024; short-term debt: 21.6% and cash: 33.7% of total assets), and 29.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
70.1%
Return on assets
15.8%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
58 d early
2023
62 d early
2022
31 d early
2021
61 d early
2020
3 d early
2019
35 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€504k▲ 13.9%
2024 · €442k
2018: €35k
2019: €76k
2020: €154k
2021: €240k
2022: €299k
2023: €343k
2024: €442k
2018 → 2025
Total assets
€718k▲ 11.7%
2024 · €643k
2018: €138k
2019: €129k
2020: €267k
2021: €288k
2022: €413k
2023: €581k
2024: €643k
2018 → 2025
Net result
€113k▲ 14.6%
2024 · €99k
2018: €-7k
2019: €41k
2020: €102k
2021: €110k
2022: €58k
2023: €45k
2024: €99k
2018 → 2025
Working capital
€366k▲ 28.0%
2024 · €286k
2018: €-47k
2019: €18k
2020: €57k
2021: €54k
2022: €-35k
2023: €182k
2024: €286k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€240k-€299k▲ 24.2%€343k▲ 15.0%€442k▲ 28.8%€504k▲ 13.9%
Operating result€136k-€72k▼ 47.3%€67k▼ 6.2%€143k▲ 113%€157k▲ 10.3%
Net result€110k-€58k▼ 47.1%€45k▼ 22.9%€99k▲ 120%€113k▲ 14.6%
Turnover and EBIT margin not published: the abbreviated or micro 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 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €718k
Fixed assets
€196k▼ 26.4%
Current assets
€522k▲ 38.9%
Equity and liabilities €718k
Equity
€504k▲ 13.9%
Debt
€215k▲ 7.0%
The debt ratio falls from 31.2% to 29.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€257k▲
2024 · €238k
Cash flow
€213k▲
2024 · €194k
Solvency
70.1%▲
2024 · 68.8%
Current ratio
3.36▼
2024 · 4.20
Quick ratio
3.36▼
2024 · 4.20
Debt / equity
0.43▼
2024 · 0.45
ROE
22.5%▲
2024 · 22.4%
ROA
15.8%▲
2024 · 15.4%
Interest coverage
24.79▲
2024 · 18.85
Debt
€215k▲
2024 · €201k
Debt ≤ 1 year
€155k▲
2024 · €90k
Debt > 1 year
€59k▼
2024 · €111k
Income taxes
€47k▲
2024 · €40k
Staff costs
€156k▲
2024 · €119k
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€643k€718k▲
Fixed assets21/28€267k€196k▼
Intangible fixed assets21€30k€25k▼
Tangible fixed assets22/27€237k€171k▼
Plant, machinery and equipment23€41k€51k▲
Furniture and vehicles24€196k€120k▼
Current assets29/58€376k€522k▲
Amounts receivable within one year40/41€264k€265k▲
Trade receivables40€321€3k▲
Other amounts receivable41€264k€262k▼
Current investments50/53€15k€0▼
Cash at bank and in hand54/58€84k€242k▲
Deferred charges and accrued income490/1€13k€14k▲
Equity and liabilities
Total equity and liabilities10/49€643k€718k▲
Equity10/15€442k€504k▲
Contributions10/11€20k€20k=
Reserves13€422k€484k▲
Distributable reserves133€422k€484k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€201k€215k▲
Amounts payable after more than one year17€111k€59k▼
Financial debts170/4€111k€59k▼
Amounts payable within one year42/48€90k€155k▲
Current portion of amounts payable after more than one year42€54k€56k▲
Trade debts44€24k€4k▼
Suppliers440/4€24k€4k▼
Taxes, remuneration and social security45€12k€44k▲
Taxes450/3€2k€14k▲
Remuneration and social security454/9€10k€30k▲
Other amounts payable47/48-€52k
Income statement
Code20242025
Non-recurring operating income76A€600€0▼
Remuneration, social security and pensions62€119k€156k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€96k€100k▲
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A€245€0▼
Gross operating margin9900€361k€417k▲
Operating profit (loss)9901€143k€157k▲
Financial income75/76B€9k€14k▲
Recurring financial income75€9k€14k▲
Financial charges65/66B€13k€10k▼
Recurring financial charges65€13k€10k▼
Profit (loss) for the period before taxes9903€139k€161k▲
Income taxes67/77€40k€47k▲
Profit (loss) for the period9904€99k€113k▲
Profit (loss) for the period to be appropriated9905€99k€113k▲
Appropriation of the result
Profit (loss) to be appropriated9906€99k€113k▲
Transfer from equity791/2-€52k
Transfer to equity691/2€99k€113k▲
To other reserves6921€99k€113k▲
Profit to be distributed694/7-€52k
Return on contributions (dividend)694-€52k
Social balance
Average headcount (FTE)90872.62.8▲
The notes to these accounts (16 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €113k ▲14.6%
Operating result €157k, net result €113k, both a record.
31-12
Financial
Equity above €500kEq €504k ▲13.9%
7 profitable years in a row build equity to €504k.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 5current ratio 3.35
Current ratio from 0.69 to 3.35; short-term debt falls from €115k to €77k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €240k ▲55.8%
3 profitable years in a row build equity to €240k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €154k ▲103%
2 profitable years in a row build equity to €154k.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.34
Current ratio from 0.51 to 1.34; short-term debt falls from €97k to €51k.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Roeselare · 1 establishment unit since 2010
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.
Hoge-Barrierestraat 78800 RoeselareGround area
1,529 m²
Building footprint
410 m²
Volume, LiDAR
1,317 m³
2 parcels, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kipstore
since 20102.193.132.584
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36017D0010/00Y000 | Flanders | 1,109 m² | 1 · 266 m² | 7.0 m · 1 fl. |
| 36302B1220/00X002 | Flanders | 420 m² | 1 · 143 m² | 6.7 m · 1 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
Food safety, FASFC
1 siteRoeselare2.193.132.584
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Of 3,827 companies in sector 47210 we hold annual accounts for 966. 540 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2010
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
47222Retail trade
47810Retail trade
47110Non-specialised retail sale with food, beverages or tobacco predominating
47120Other non-specialised retail sale
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.