Knuts Raf
ActiveKnuts Raf has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €-6k. Equity is shrinking by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 91% of 7690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 11.43 against 13.05 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+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 82
Relative position
BE, all sectors
reference
Sector 82
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
91.7%
Return on assets
-15.5%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
35 d early
2022
38 d early
2021
31 d early
2020
39 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▼ 14.5%
2024 · €41k
2018: €59k
2019: €44k
2020: €50k
2021: €55k
2022: €64k
2023: €54k
2024: €41k
2018 → 2025
Total assets
€38k▼ 12.4%
2024 · €43k
2018: €113k
2019: €67k
2020: €64k
2021: €64k
2022: €73k
2023: €61k
2024: €43k
2018 → 2025
Net result
€-6k
2024 · €8k
2018: €419
2019: €-15k
2020: €6k
2021: €5k
2022: €9k
2023: €-10k
2024: €8k
2018 → 2025
Working capital
€33k▲ 3.4%
2024 · €32k
2018: €30k
2019: €10k
2020: €20k
2021: €33k
2022: €45k
2023: €40k
2024: €32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€64k▲ 15.7%€54k▼ 15.0%€41k▼ 24.4%€35k▼ 14.5%
Operating result€5k-€9k▲ 61.6%€-7k€10k€-6k
Net result€5k-€9k▲ 64.8%€-10k€8k€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€2k▼ 78.9%
Current assets
€36k▲ 4.6%
Equity and liabilities €38k
Equity
€35k▼ 14.5%
Debt
€3k▲ 19.5%
The debt ratio rises from 6.1% to 8.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-5k▼
2024 · €15k
Cash flow
€-5k▼
2024 · €13k
Solvency
91.7%▼
2024 · 93.9%
Current ratio
11.43▼
2024 · 13.05
Quick ratio
11.43▼
2024 · 12.46
Debt / equity
0.09▲
2024 · 0.06
ROE
-16.9%▼
2024 · 20.2%
ROA
-15.5%▼
2024 · 19.0%
Interest coverage
-54.89▼
2024 · 163.17
Debt
€3k▲
2024 · €3k
Debt ≤ 1 year
€3k▲
2024 · €3k
Income taxes
€142▼
2024 · €2k
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€43k€38k▼
Fixed assets21/28€9k€2k▼
Tangible fixed assets22/27€9k€2k▼
Plant, machinery and equipment23€8k€2k▼
Furniture and vehicles24€652€0▼
Current assets29/58€35k€36k▲
Stocks and contracts in progress3€2k-
Stocks30/36€2k-
Amounts receivable within one year40/41€5k€10k▲
Trade receivables40€2k€9k▲
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€26k€24k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€43k€38k▼
Equity10/15€41k€35k▼
Contributions10/11€19k€19k=
Reserves13€22k€22k=
Distributable reserves133€22k€22k=
Profit (loss) carried forward14-€-6k
Amounts payable17/49€3k€3k▲
Amounts payable within one year42/48€3k€3k▲
Trade debts44€856€2k▲
Suppliers440/4€856€2k▲
Taxes, remuneration and social security45€2k€813▼
Taxes450/3€2k€813▼
Income statement
Code20242025
Non-recurring operating income76A€4k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€912▼
Other operating charges640/8€943€956▲
Gross operating margin9900€16k€-4k▼
Operating profit (loss)9901€10k€-6k▼
Financial income75/76B€217€186▼
Recurring financial income75€217€186▼
Financial charges65/66B€93€90▼
Recurring financial charges65€93€90▼
Profit (loss) for the period before taxes9903€10k€-6k▼
Income taxes67/77€2k€142▼
Profit (loss) for the period9904€8k€-6k▼
Profit (loss) for the period to be appropriated9905€8k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-6k▼
Profit (loss) brought forward from the previous period14P€-5k-
Transfer from equity791/2€21k-
Transfer to equity691/2€4k-
To other reserves6921€4k-
Profit to be distributed694/7€21k-
Return on contributions (dividend)694€21k-
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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 13.05
Current ratio from 6.32 to 13.05; short-term debt falls from €8k to €3k.
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €9k ▲64.8%
Net result €9k, the highest in the series.
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 4.72
Current ratio from 2.36 to 4.72; short-term debt falls from €15k to €9k.
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €-15k ▼3651%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-03
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
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, Diepenbeek · 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.
Schabertstraat 83590 DiepenbeekGround area
1,080 m²
Building footprint
144 m²
Volume, LiDAR
790 m³
Parcel 71011I1510/00E000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Knuts Raf
since 20102.183.978.853
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71011I1510/00E000 | Flanders | 1,080 m² | 1 · 143 m² | 8.8 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.
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Of 24,422 companies in sector 82990 we hold annual accounts for 9,361. 6,507 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2009
Fiscal year end30-09
Activities, NACEBEL
82990Other business support services
43120Site preparation
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:knuts.raf@outlook.com