KMO KOMPAS
ActiveKMO KOMPAS has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €139k and a net result of €22k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 91% of 12617 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+39
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 10.63 against 10.85 in 2024), and 8.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
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
91.7%
Return on assets
14.2%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
25 d early
2023
29 d early
2022
24 d late
2021
on the day
2020
2 d early
2019
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€139k▲ 18.4%
2024 · €117k
2019: €85k
2020: €90k
2021: €102k
2022: €103k
2023: €108k
2024: €117k
2019 → 2025
Total assets
€152k▲ 19.6%
2024 · €127k
2019: €96k
2020: €99k
2021: €112k
2022: €118k
2023: €122k
2024: €127k
2019 → 2025
Net result
€22k▲ 138%
2024 · €9k
2019: €8k
2020: €5k
2021: €13k
2022: €753
2023: €5k
2024: €9k
2019 → 2025
Working capital
€119k▲ 32.0%
2024 · €90k
2019: €71k
2020: €83k
2021: €72k
2022: €61k
2023: €73k
2024: €90k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€103k▲ 0.7%€108k▲ 5.1%€117k▲ 8.4%€139k▲ 18.4%
Operating result€17k-€4k▼ 73.9%€8k▲ 88.6%€14k▲ 68.0%€31k▲ 120%
Net result€13k-€753▼ 94.1%€5k▲ 601%€9k▲ 71.7%€22k▲ 138%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 120% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €152k
Fixed assets
€20k▼ 26.8%
Current assets
€132k▲ 32.3%
Equity and liabilities €152k
Equity
€139k▲ 18.4%
Debt
€13k▲ 34.5%
The debt ratio rises from 7.4% to 8.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€38k▲
2024 · €22k
Cash flow
€29k▲
2024 · €17k
Solvency
91.7%▼
2024 · 92.6%
Current ratio
10.63▼
2024 · 10.85
Quick ratio
10.63▼
2024 · 10.85
Debt / equity
0.09▲
2024 · 0.08
ROE
15.5%▲
2024 · 7.7%
ROA
14.2%▲
2024 · 7.2%
Interest coverage
173.91▲
2024 · 45.83
Debt
€13k▲
2024 · €9k
Debt ≤ 1 year
€12k▲
2024 · €9k
Income taxes
€10k▲
2024 · €5k
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€127k€152k▲
Fixed assets21/28€27k€20k▼
Tangible fixed assets22/27€27k€20k▼
Furniture and vehicles24€9k€5k▼
Other tangible fixed assets26€18k€15k▼
Current assets29/58€99k€132k▲
Amounts receivable within one year40/41€21k€18k▼
Trade receivables40€21k€18k▼
Other amounts receivable41€644-
Current investments50/53€10k€10k▲
Cash at bank and in hand54/58€64k€101k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€127k€152k▲
Equity10/15€117k€139k▲
Contributions10/11€6k€6k=
Reserves13€111k€133k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€109k€133k▲
Amounts payable17/49€9k€13k▲
Amounts payable within one year42/48€9k€12k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€2k€8k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€2k€198▼
Accrued charges and deferred income492/3€190€194▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€24k€40k▲
Operating profit (loss)9901€14k€31k▲
Financial income75/76B€82€746▲
Recurring financial income75€82€746▲
Financial charges65/66B€487€220▼
Recurring financial charges65€487€220▼
Profit (loss) for the period before taxes9903€14k€31k▲
Income taxes67/77€5k€10k▲
Profit (loss) for the period9904€9k€22k▲
Profit (loss) for the period to be appropriated9905€9k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€22k▲
Transfer to equity691/2€9k€22k▲
To other reserves6921€9k€22k▲
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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €22k ▲138%
Operating result €31k, net result €22k, both a record.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
30-06
Financial
Weakest financial yearnet €753 ▼94.1%
Net result drops to €753, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €102k ▲14.2%
3 profitable years in a row build equity to €102k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2025
Delobelle Petra
CurrentDirector · since 29-04-2025
29-04-2025
Appointed as Director
Location & real-estate footprint
Registered office, Avelgem · 1 establishment unit since 2005
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.
Heye 68581 AvelgemGround area
941 m²
Building footprint
462 m²
Volume, LiDAR
2,751 m³
Parcel 34020B0040/00D000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KMO Kompas
since 20052.147.056.693
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34020B0040/00D000 | Flanders | 941 m² | 1 · 462 m² | 9.3 m · 2 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.
Similar companies · same sector, comparable size
FIDDEM
BE 0468.599.476
Charleroi · Eq €139k
A C C O F I S K A
BE 0861.619.029
Lennik · Eq €139k
COMBIFISC
BE 0460.934.397
Aalst · Eq €139k
CENTAURION
BE 0735.698.973
Oostende · Eq €139k
DEFISCO
BE 0428.419.108
Liedekerke · Eq €139k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 6,500 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2005
Fiscal year end30-06
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.