KIS
ActiveKIS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-44k) and a net result of €5k. Equity is shrinking by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 5523 sector peers (fiscal year 2025). The company has been active since 2021 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 5% of 5523 sector peers (2025).
NBB · sector comparisonPosition among 5523 sector peers
Solvency
better than 5%
← 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 26-08-2026, 26 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 · 4 filingsDeviation from the deadline
2025
26 d late
2024
5 d late
2023
65 d early
2022
38 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
€-44k▲ 10.7%
2024 · €-49k
2022: €-6k
2023: €-52k
2024: €-49k
2022 → 2025
Net result
€5k▲ 59.8%
2024 · €3k
2022: €-9k
2023: €-47k
2024: €3k
2022 → 2025
Total assets
€291k▲ 1.5%
2024 · €287k
2022: €318k
2023: €282k
2024: €287k
2022 → 2025
Solvency
-15.0%▲ 2.1pp
2024 · -17.1%
2022: -1.8%
2023: -18.5%
2024: -17.1%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-6k-€-52k▼ 821%€-49k▲ 6.3%€-44k▲ 10.7%
Operating result€-6k-€-40k▼ 548%€-3k▲ 92.3%€-4k▼ 16.5%
Net result€-9k-€-47k▼ 437%€3k€5k▲ 59.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €3k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €291k
Fixed assets
€25k=
Current assets
€266k▲ 1.7%
Key figures and ratios
Solvency
-15.0%▲
2024 · -17.1%
ROA
1.8%▲
2024 · 1.1%
Debt
€335k▼
2024 · €336k
Debt ≤ 1 year
€25k▼
2024 · €26k
Debt > 1 year
€285k=
2024 · €285k
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€287k€291k▲
Fixed assets21/28€25k€25k=
Financial fixed assets28€25k€25k=
Current assets29/58€262k€266k▲
Amounts receivable within one year40/41€90k€188k▲
Trade receivables40€1k€0▼
Other amounts receivable41€88k€188k▲
Cash at bank and in hand54/58€167k€64k▼
Deferred charges and accrued income490/1€5k€14k▲
Equity and liabilities
Total equity and liabilities10/49€287k€291k▲
Equity10/15€-49k€-44k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-52k€-47k▲
Amounts payable17/49€336k€335k▼
Amounts payable after more than one year17€285k€285k=
Financial debts170/4€285k€285k=
Amounts payable within one year42/48€26k€25k▼
Trade debts44€1k€175▼
Suppliers440/4€1k€175▼
Other amounts payable47/48€25k€25k=
Accrued charges and deferred income492/3€24k€25k▲
Income statement
Code20242025
Other operating charges640/8€472€412▼
Gross operating margin9900€-3k€-3k▼
Operating profit (loss)9901€-3k€-4k▼
Financial income75/76B€6k€9k▲
Recurring financial income75€6k€9k▲
Financial charges65/66B€45€45▲
Recurring financial charges65€45€45▲
Profit (loss) for the period before taxes9903€3k€5k▲
Profit (loss) for the period9904€3k€5k▲
Profit (loss) for the period to be appropriated9905€3k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-52k€-47k▲
Profit (loss) brought forward from the previous period14P€-55k€-52k▲
The notes to these accounts (9 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial
Highest result since 2022net €5k ▲59.8%
Net result €5k, the highest in the series.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 5 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-47k
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
23-06
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
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, Blankenberge · 1 establishment unit since 2021
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.
Kerkstraat 618370 BlankenbergeGround area
362 m²
Building footprint
349 m²
Volume, LiDAR
6,073 m³
Parcel 31004A0592/00V000, Flanders · tallest building 21.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
KIS
since 20212.322.261.558
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31004A0592/00V000 | Flanders | 362 m² | 1 · 349 m² | 21.2 m · 6 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector and region
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CHAKEVA
BE 0740.986.364
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Cools Invest
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D & B - INVEST
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 24,728 companies in sector 64210 we hold annual accounts for 19,762.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-09-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.
Contact details
2 entriesE-mail:gianni.proost@gmail.com
Phone:0499289893