KiRaCh
ActiveKiRaCh has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €-8k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 56% of 16691 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100▲+28
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.35 against 1.6 in 2024), and 34.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
65.1%
Return on assets
-9.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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
7 d late
2024
1 d early
2023
69 d late
2022
6 d late
2020
87 d late
2019
101 d late
2018
63 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▼ 14.0%
2024 · €60k
2019: €43k
2020: €66k
2022: €153k
2023: €42k
2024: €60k
2019 → 2025
Total assets
€80k▼ 50.6%
2024 · €161k
2019: €67k
2020: €105k
2022: €167k
2023: €151k
2024: €161k
2019 → 2025
Net result
€-8k
2024 · €19k
2019: €13k
2020: €36k
2022: €20k
2023: €-94k
2024: €19k
2019 → 2025
Working capital
€36k▼ 32.2%
2024 · €52k
2019: €40k
2020: €65k
2022: €150k
2023: €48k
2024: €52k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€66k-€153k▲ 133%€42k▼ 72.8%€60k▲ 45.1%€52k▼ 14.0%
Operating result€23k-€50k▲ 120%€-65k€49k€3k▼ 94.8%
Net result€36k-€20k▼ 43.2%€-94k€19k€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 95% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€18k▼ 18.4%
Current assets
€62k▼ 55.6%
Equity and liabilities €80k
Equity
€52k▼ 14.0%
Debt
€28k▼ 72.4%
The debt ratio falls from 62.6% to 34.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€7k▼
2024 · €53k
Cash flow
€-3k▼
2024 · €23k
Solvency
65.1%▲
2024 · 37.4%
Current ratio
2.35▲
2024 · 1.60
Quick ratio
2.29▲
2024 · 1.58
Debt / equity
0.54▼
2024 · 1.67
ROE
-14.7%▼
2024 · 31.1%
ROA
-9.6%▼
2024 · 11.6%
Interest coverage
0.62▼
2024 · 4.77
Debt
€28k▼
2024 · €101k
Debt ≤ 1 year
€26k▼
2024 · €87k
Income taxes
€-931▼
2024 · €19k
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
Total assets20/58€161k€80k▼
Fixed assets21/28€22k€18k▼
Tangible fixed assets22/27€22k€18k▼
Current assets29/58€139k€62k▼
Stocks & contracts in progress3€2k€2k▼
Amounts receivable within one year40/41€127k€45k▼
Cash & bank54/58€6k€8k▲
Total equity & liabilities10/49€161k€80k▼
Equity10/15€60k€52k▼
Contributions / capital10/11€20k€20k=
Reserves13€40k€32k▼
Amounts payable17/49€101k€28k▼
Amounts payable after one year17€11k-
Amounts payable within one year42/48€87k€26k▼
Trade debts payable within one year44€17k€13k▼
Income statement
Code20242025
Gross operating margin9900€54k€8k▼
Operating result9901€49k€3k▼
Financial income75€20€0▼
Financial charges65€11k€11k▲
Result before taxes9903€38k€-9k▼
Income taxes67/77€19k€-931▼
Net result for the period9904€19k€-8k▼
Result to be appropriated9905€19k€-8k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Weakest financial yearnet €-94k ▼561%
Net result drops to €-94k, the lowest in the series; recovery starts the following year.
14-12
State Gazette act
Director changes
Laurent Liessens
06-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
2022
31-12
Financial
Liquidity times 5current ratio 12.30
Current ratio from 2.64 to 12.30; short-term debt falls from €40k to €13k.
31-12
Financial
Equity above €150kEq €153k ▲133%
3 profitable years in a row build equity to €153k.
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Highest result since 2019net €36k ▲179%
Net result €36k, the highest in the series.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
02-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 63 days late
2018
05-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 97 days late
2017
13-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 44 days late
2016
19-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 29,862 companies in sector 62200 we hold annual accounts for 18,148. 15,136 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2007
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45310
46720Wholesale of motor vehicle parts and accessories
47400Retail sale of information and communication equipment
47410Retail trade
50100Water transport
77340Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.