Kira is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €41k and a net result of €38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 8006 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 8006 sector peers (2025).
NBB · sector comparisonPosition among 8006 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 5 filingsDeviation from the deadline
2025
20 d late
2024
51 d early
2023
21 d late
2022
11 d late
2021
5 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
€41k▲ 1,265%
2024 · €3k
2021: €-15k
2022: €45k
2023: €92k
2024: €3k
2021 → 2025
Net result
€38k▲ 26.7%
2024 · €30k
2021: €-18k
2022: €60k
2023: €47k
2024: €30k
2021 → 2025
Total assets
€1.97M▼ 7.9%
2024 · €2.14M
2021: €2.46M
2022: €2.40M
2023: €2.30M
2024: €2.14M
2021 → 2025
Solvency
2.1%▲ 1.9pp
2024 · 0.1%
2021: -0.6%
2022: 1.9%
2023: 4.0%
2024: 0.1%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-15k-€45k€92k▲ 106%€3k▼ 96.7%€41k▲ 1,265%
Operating result€10k-€102k▲ 922%€89k▼ 12.6%€66k▼ 25.5%€80k▲ 19.8%
Net result€-18k-€60k€47k▼ 20.9%€30k▼ 36.5%€38k▲ 26.7%
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 20% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.97M
Fixed assets
€1.96M▼ 6.0%
Current assets
€14k▼ 75.6%
Equity and liabilities €1.97M
Equity
€41k▲ 1,265%
Debt
€1.93M▼ 9.7%
The debt ratio falls from 99.9% to 97.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
2.1%▲
2024 · 0.1%
ROE
92.7%▼
2024 · 998.7%
ROA
1.9%▲
2024 · 1.4%
Debt
€1.93M▼
2024 · €2.14M
Debt ≤ 1 year
€209k▼
2024 · €283k
Debt > 1 year
€1.72M▼
2024 · €1.86M
Income taxes
€15k▲
2024 · €8k
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€2.14M€1.97M▼
Fixed assets21/28€2.08M€1.96M▼
Tangible fixed assets22/27€2.08M€1.96M▼
Land and buildings22€2.08M€1.96M▼
Furniture and vehicles24-€1k
Current assets29/58€58k€14k▼
Amounts receivable within one year40/41€7k€7k▲
Other amounts receivable41€7k€7k▲
Cash at bank and in hand54/58€51k€7k▼
Deferred charges and accrued income490/1€470-
Equity and liabilities
Total equity and liabilities10/49€2.14M€1.97M▼
Equity10/15€3k€41k▲
Contributions10/11€3k€3k=
Reserves13-€38k
Distributable reserves133-€38k
Amounts payable17/49€2.14M€1.93M▼
Amounts payable after more than one year17€1.86M€1.72M▼
Financial debts170/4€1.86M€1.72M▼
Amounts payable within one year42/48€283k€209k▼
Current portion of amounts payable after more than one year42€156k€132k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€4k€7k▲
Taxes450/3€4k€7k▲
Other amounts payable47/48€121k€68k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€126k€126k=
Other operating charges640/8€6k€5k▼
Gross operating margin9900€198k€211k▲
Operating profit (loss)9901€66k€80k▲
Financial charges65/66B€28k€27k▼
Recurring financial charges65€28k€27k▼
Profit (loss) for the period before taxes9903€38k€53k▲
Income taxes67/77€8k€15k▲
Profit (loss) for the period9904€30k€38k▲
Profit (loss) for the period to be appropriated9905€30k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€119k€38k▼
Profit (loss) brought forward from the previous period14P€89k-
Transfer to equity691/2-€38k
To other reserves6921-€38k
Profit to be distributed694/7€119k-
Return on contributions (dividend)694€119k-
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Back to profitnet €60k
Net result €60k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Begijnendijk · 1 establishment unit since 2020
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.
Hulstsestraat 463130 BegijnendijkGround area
1,728 m²
Building footprint
263 m²
Volume, LiDAR
289 m³
Parcel 24010A0481/00K000, Flanders · tallest building 4.8 m. Linked by address, not a title deed.
1 establishment unit
Kira
since 20202.310.485.065
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24010A0481/00K000 | Flanders | 1,728 m² | 1 · 262 m² | 4.8 m |
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 24,727 companies in sector 64210 we hold annual accounts for 19,759. 9,773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.