KND CONSULT 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 €23k and a net result of €235. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 19% of 8024 sector peers (fiscal year 2025). The company has been active since 2010 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 19% of 8024 sector peers (2025).
NBB · sector comparisonPosition among 8024 sector peers
Solvency
better than 19%
← 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 28-08-2026, 28 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
28 d late
2024
21 d late
2023
31 d late
2022
31 d late
2021
29 d late
2020
31 d late
2019
31 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 1.0%
2024 · €23k
2018: €23k
2019: €23k
2020: €23k
2021: €23k
2022: €23k
2023: €23k
2024: €23k
2018 → 2025
Net result
€235▲ 3,713%
2024 · €6
2018: €-14
2019: €54
2020: €35
2021: €162
2022: €17
2023: €10
2024: €6
2018 → 2025
Total assets
€164k▼ 0.2%
2024 · €164k
2018: €206k
2019: €208k
2020: €191k
2021: €183k
2022: €176k
2023: €171k
2024: €164k
2018 → 2025
Solvency
14.2%▲ 0.2pp
2024 · 14.0%
2018: 11.0%
2019: 10.9%
2020: 11.9%
2021: 12.6%
2022: 13.0%
2023: 13.5%
2024: 14.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€23k▲ 0.1%€23k=€23k=€23k▲ 1.0%
Operating result€7k-€5k▼ 19.5%€5k▼ 6.3%€6k▲ 12.8%€5k▼ 15.5%
Net result€162-€17▼ 89.7%€10▼ 41.9%€6▼ 36.5%€235▲ 3,713%
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 16% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €164k
Fixed assets
€158k▼ 3.5%
Current assets
€6k▲ 561%
Equity and liabilities €164k
Equity
€23k▲ 1.0%
Debt
€141k▼ 0.4%
The debt ratio falls from 86.0% to 85.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
14.2%▲
2024 · 14.0%
ROE
1.0%▲
2024 · 0.0%
ROA
0.1%▲
2024 · 0.0%
Debt
€141k▼
2024 · €141k
Debt ≤ 1 year
€56k▲
2024 · €44k
Debt > 1 year
€85k▼
2024 · €97k
Income taxes
€83▲
2024 · €2
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€164k€164k▼
Fixed assets21/28€163k€158k▼
Tangible fixed assets22/27€163k€158k▼
Land and buildings22€163k€158k▼
Current assets29/58€951€6k▲
Amounts receivable within one year40/41€850€6k▲
Trade receivables40€850€6k▲
Cash at bank and in hand54/58€3€41▲
Deferred charges and accrued income490/1€98€93▼
Equity and liabilities
Total equity and liabilities10/49€164k€164k▼
Equity10/15€23k€23k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€3k€3k▲
Amounts payable17/49€141k€141k▼
Amounts payable after more than one year17€97k€85k▼
Financial debts170/4€97k€85k▼
Amounts payable within one year42/48€44k€56k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Advances received on contracts in progress46-€7k
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Other amounts payable47/48€25k€31k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€13k€12k▼
Operating profit (loss)9901€6k€5k▼
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€8€318▲
Income taxes67/77€2€83▲
Profit (loss) for the period9904€6€235▲
Profit (loss) for the period to be appropriated9905€6€235▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€3k▲
Profit (loss) brought forward from the previous period14P€3k€3k▲
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €235 ▲3713%
Net result €235, the highest in the series.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €54
Net result €54 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 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, Merchtem · 1 establishment unit since 2010
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.
Leireken 891785 MerchtemGround area
1,371 m²
Building footprint
174 m²
Volume, LiDAR
856 m³
Parcel 23052B0121/00Y000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KND CONSULT
since 20102.194.128.815
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23052B0121/00Y000 | Flanders | 1,371 m² | 1 · 174 m² | 8.6 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
SGFR
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XDR GROUP
BE 0773.584.007
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SAEGO
BE 0715.611.857
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AD2TL
BE 0777.586.741
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Target
BE 0788.749.857
Roeselare · Eq €23k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 7,946 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2010
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
78100Employment placement agencies
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.