KLD
ActiveKLD has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.34M and a net result of €334k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 68% of 19906 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability94▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 4.01 against 3.82 in 2023; short-term debt: 19.2% and cash: 9.5% of total assets), and 19.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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 2024Solvency, return and age of the figures
Solvency
80.8%
Return on assets
20.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-09-2025, 59 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
59 d late
2023
60 d late
2022
66 d late
2021
78 d late
2020
88 d late
2019
82 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€1.34M▲ 7.6%
2023 · €1.24M
2018: €761k
2019: €700k
2020: €896k
2021: €1.11M
2022: €1.19M
2023: €1.24M
2018 → 2024
Total assets
€1.65M▲ 7.4%
2023 · €1.54M
2018: €1.49M
2019: €1.01M
2020: €992k
2021: €1.16M
2022: €1.44M
2023: €1.54M
2018 → 2024
Net result
€334k▲ 13.4%
2023 · €295k
2018: €239k
2019: €240k
2020: €196k
2021: €218k
2022: €275k
2023: €295k
2018 → 2024
Working capital
€954k▲ 13.7%
2023 · €840k
2018: €80k
2019: €28k
2020: €290k
2021: €579k
2022: €663k
2023: €840k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€896k-€1.11M▲ 24.3%€1.19M▲ 6.6%€1.24M▲ 4.7%€1.34M▲ 7.6%
Operating result€286k-€319k▲ 11.3%€404k▲ 26.8%€429k▲ 6.0%€471k▲ 9.9%
Net result€196k-€218k▲ 10.8%€275k▲ 26.6%€295k▲ 7.1%€334k▲ 13.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 10% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.65M
Fixed assets
€383k▼ 5.0%
Current assets
€1.27M▲ 11.8%
Equity and liabilities €1.65M
Equity
€1.34M▲ 7.6%
Debt
€317k▲ 6.6%
The debt ratio falls from 19.3% to 19.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€610k▲
2023 · €558k
Cash flow
€473k▲
2023 · €424k
Solvency
80.8%▲
2023 · 80.7%
Current ratio
4.01▲
2023 · 3.82
Quick ratio
4.01▲
2023 · 3.82
Debt / equity
0.24▼
2023 · 0.24
ROE
25.0%▲
2023 · 23.7%
ROA
20.2%▲
2023 · 19.1%
Interest coverage
244.69▼
2023 · 358.54
Debt
€317k▲
2023 · €298k
Debt ≤ 1 year
€317k▲
2023 · €298k
Income taxes
€153k▲
2023 · €133k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.54M€1.65M▲
Fixed assets21/28€403k€383k▼
Intangible fixed assets21€292k€192k▼
Tangible fixed assets22/27€112k€191k▲
Land and buildings22€23k€17k▼
Plant, machinery and equipment23€16k€15k▼
Furniture and vehicles24€73k€160k▲
Current assets29/58€1.14M€1.27M▲
Amounts receivable within one year40/41€233k€239k▲
Trade receivables40€233k€239k▲
Current investments50/53€221k€867k▲
Cash at bank and in hand54/58€677k€157k▼
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€1.54M€1.65M▲
Equity10/15€1.24M€1.34M▲
Contributions10/11€19k€19k=
Reserves13€1.22M€1.32M▲
Distributable reserves133€1.22M€1.32M▲
Amounts payable17/49€298k€317k▲
Amounts payable within one year42/48€298k€317k▲
Financial debts43-€14k
Credit institutions430/8-€14k
Trade debts44-€417
Suppliers440/4-€417
Taxes, remuneration and social security45€69k€60k▼
Taxes450/3€69k€60k▼
Other amounts payable47/48€229k€244k▲
Income statement
Code20232024
Non-recurring operating income76A-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€129k€139k▲
Other operating charges640/8€2k€11k▲
Gross operating margin9900€559k€620k▲
Operating profit (loss)9901€429k€471k▲
Financial income75/76B€1k€18k▲
Recurring financial income75€1k€18k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€428k€487k▲
Income taxes67/77€133k€153k▲
Profit (loss) for the period9904€295k€334k▲
Profit (loss) for the period to be appropriated9905€295k€334k▲
Appropriation of the result
Profit (loss) to be appropriated9906€295k€334k▲
Transfer from equity791/2€239k€240k▲
Transfer to equity691/2€295k€334k▲
To other reserves6921€295k€334k▲
Profit to be distributed694/7€239k€240k▲
Return on contributions (dividend)694€239k€240k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
31-12
Financial
Highest result since 2018net €334k ▲13.4%
Operating result €471k, net result €334k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 14.30
Current ratio from 4.02 to 14.30; short-term debt falls from €96k to €44k.
31-12
Financial
Equity above €1MEq €1.11M ▲24.3%
4 profitable years in a row build equity to €1.11M.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Weakest financial yearnet €196k ▼18.1%
Net result drops to €196k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 4.02
Current ratio from 1.10 to 4.02; short-term debt falls from €289k to €96k.
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 82 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Temse · 1 establishment unit since 2017
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.
Molenstraat 629140 TemseGround area
4.4 ha
Building footprint
9,637 m²
Volume, LiDAR
112,373 m³
2 parcels, Flanders · tallest building 25.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
KLD
since 20172.260.377.241
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036A0106/00Y000 | Flanders | 4.0 ha | 1 · 9,329 m² | 25.2 m · 5 fl. |
| 46026A0377/00F000 | Flanders | 4,088 m² | 1 · 308 m² | 8.1 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.
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,973. 5,365 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2016
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.