Knus
ActiveKnus has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €433k and a net result of €76k. Equity is growing by ~26.9% per year across the filed fiscal years. Its solvency ranks better than 25% of 384 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+5
Solvency54▲+3
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.21 in 2024; short-term debt: 34.1% and cash: 1.5% of total assets), and 71% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 88
Relative position
BE, all sectors
reference
Sector 88
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
29%
Return on assets
5.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 384 sector peers (2025).
NBB · sector comparisonPosition among 384 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
59 d early
2024
7 d early
2023
29 d early
2022
67 d late
2021
78 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€433k▲ 21.1%
2024 · €358k
2021: €77k
2022: €138k
2023: €340k
2024: €358k
2021 → 2025
Total assets
€1.50M▲ 10.8%
2024 · €1.35M
2021: €836k
2022: €930k
2023: €1.29M
2024: €1.35M
2021 → 2025
Net result
€76k▲ 322%
2024 · €18k
2021: €72k
2022: €61k
2023: €202k
2024: €18k
2021 → 2025
Working capital
€138k▲ 8.3%
2024 · €127k
2021: €-360k
2022: €-283k
2023: €35k
2024: €127k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€138k▲ 79.7%€340k▲ 147%€358k▲ 5.3%€433k▲ 21.1%
Operating result€90k-€85k▼ 5.6%€269k▲ 218%€33k▼ 87.9%€113k▲ 246%
Net result€72k-€61k▼ 14.7%€202k▲ 231%€18k▼ 91.1%€76k▲ 322%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 246% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.50M
Fixed assets
€847k▲ 35.9%
Current assets
€648k▼ 10.7%
Equity and liabilities €1.50M
Equity
€433k▲ 21.1%
Debt
€1.06M▲ 7.1%
The debt ratio falls from 73.5% to 71.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€191k▲
2024 · €108k
Cash flow
€154k▲
2024 · €93k
Solvency
29.0%▲
2024 · 26.5%
Current ratio
1.27▲
2024 · 1.21
Quick ratio
1.27▲
2024 · 1.21
Debt / equity
2.45▼
2024 · 2.77
ROE
17.5%▲
2024 · 5.0%
ROA
5.1%▲
2024 · 1.3%
Interest coverage
7.92▲
2024 · 5.92
Debt
€1.06M▲
2024 · €992k
Debt ≤ 1 year
€510k▼
2024 · €599k
Debt > 1 year
€551k▲
2024 · €373k
Income taxes
€20k▲
2024 · €4k
Staff costs
€1.88M▼
2024 · €1.89M
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€1.35M€1.50M▲
Fixed assets21/28€623k€847k▲
Tangible fixed assets22/27€623k€847k▲
Land and buildings22€358k€644k▲
Plant, machinery and equipment23€204k€162k▼
Furniture and vehicles24€28k€17k▼
Other tangible fixed assets26€33k€24k▼
Current assets29/58€726k€648k▼
Amounts receivable within one year40/41€699k€613k▼
Trade receivables40€497k€542k▲
Other amounts receivable41€202k€71k▼
Cash at bank and in hand54/58€4k€23k▲
Deferred charges and accrued income490/1€23k€12k▼
Equity and liabilities
Total equity and liabilities10/49€1.35M€1.50M▲
Equity10/15€358k€433k▲
Contributions10/11€5k€5k=
Reserves13€353k€428k▲
Distributable reserves133€353k€428k▲
Amounts payable17/49€992k€1.06M▲
Amounts payable after more than one year17€373k€551k▲
Financial debts170/4€373k€551k▲
Amounts payable within one year42/48€599k€510k▼
Current portion of amounts payable after more than one year42€66k€93k▲
Trade debts44€34k€107k▲
Suppliers440/4€34k€107k▲
Taxes, remuneration and social security45€456k€269k▼
Taxes450/3€127k€20k▼
Remuneration and social security454/9€329k€249k▼
Other amounts payable47/48€42k€41k▼
Accrued charges and deferred income492/3€20k€637▼
Income statement
Code20242025
Remuneration, social security and pensions62€1.89M€1.88M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€79k▲
Other operating charges640/8€10k€11k▲
Gross operating margin9900€2.00M€2.08M▲
Operating profit (loss)9901€33k€113k▲
Financial income75/76B€8k€7k▼
Recurring financial income75€8k€7k▼
Financial charges65/66B€18k€24k▲
Recurring financial charges65€18k€24k▲
Profit (loss) for the period before taxes9903€22k€95k▲
Income taxes67/77€4k€20k▲
Profit (loss) for the period9904€18k€76k▲
Profit (loss) for the period to be appropriated9905€18k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€76k▲
Transfer to equity691/2€18k€76k▲
To other reserves6921€18k€76k▲
Social balance
Average headcount (FTE)908734.532.6▼
The notes to these accounts (14 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €18k ▼91.1%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2021net €202k ▲231%
Operating result €269k, net result €202k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.06
Current ratio from 0.48 to 1.06.
31-12
Financial
Equity above €200kEq €340k ▲147%
3 profitable years in a row build equity to €340k.
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 67 days late
2022
31-12
Financial
Equity above €100kEq €138k ▲79.7%
2 profitable years in a row build equity to €138k.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 78 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brugge · 7 establishment units 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.
Wagenbruggelaan 208200 BruggeGround area
6.6 ha
Building footprint
1.1 ha
Volume, LiDAR
75,891 m³
8 parcels, Flanders · tallest building 16.2 m, ±3 floors. Linked by address, not a title deed.
7 establishment units
Sprankeltuin
since 20212.314.647.553
Sprankeltje
since 20212.314.647.652
Bubbel
since 20212.314.647.751
Bubbeltje
since 20212.314.647.850
Sprankelpoort
since 20212.314.647.949
Sprankelnest
since 20212.314.648.048
Show 1 more locations
Sprankeltop
since 20212.314.648.147
8 parcels
Flanders
8
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31512B0265/00F000 | Flanders | 4.1 ha | 1 · 4,797 m² | 16.2 m · 3 fl. |
| 31425C0314/00S003 | Flanders | 1.3 ha | 1 · 3,983 m² | 15.0 m · 2 fl. |
| 31424B0364/00S000 | Flanders | 4,892 m² | 1 · 767 m² | 5.8 m · 1 fl. |
| 31808M0468/00R005 | Flanders | 3,957 m² | 1 · 231 m² | 12.0 m · 2 fl. |
| 31512B0494/00M003 | Flanders | 1,227 m² | 1 · 206 m² | 8.5 m · 2 fl. |
| 31808K0740/00H005 | Flanders | 1,112 m² | 1 · 581 m² | 7.9 m · 1 fl. |
| 31512B0494/00S003 | Flanders | 454 m² | 1 · 147 m² | 6.2 m · 2 fl. |
| 31808M0468/00T005 | Flanders | 255 m² | 1 · 86 m² | 13.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 7
8 of 8 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 14 entries · 6,301,603 EUR awarded · 6,301,603 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 1,798,321 EUR | 1,798,321 EUR |
| 2024 | 4 | 1,772,723 EUR | 1,772,723 EUR |
| 2023 | 4 | 1,580,525 EUR | 1,580,525 EUR |
| 2022 | 3 | 1,150,034 EUR | 1,150,034 EUR |
Schemes
Subsidies voorschoolse kinderopvang
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Individueel Maatwerk
Subsidie aan instellingen in het beleidsdomein Welzijn, Volksgezondheid en Gezin voor de tussenkomst in de energiekost in 2023
Inkomenstarief kinderopvang
Recognitions · licences · registrations
Food safety, FASFC
7 sitesBrugge2.314.647.553
Brugge2.314.647.652
Brugge2.314.647.751
Brugge2.314.647.850
Show 3 more sites
Brugge2.314.647.949
Brugge2.314.648.048
Brugge2.314.648.147
Care and welfare
9 services · 7 liveBubbel
Bubbeltje
Sprankelnest
Sprankelpoort
Show 5 more services
Sprankeltje
Sprankeltop
Sprankeltuin
Bubbeltje
Sprankeltuin
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Of 1,590 companies in sector 88911 we hold annual accounts for 706. 502 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2021
Fiscal year end31-12
Activities, NACEBEL
88911Day nurseries and crèches
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.