Koala Invest
ActiveKoala Invest has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €771k and a net result of €39k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 39% of 37975 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
79
/ 100
Excellent▼ -8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability25▼-6
Solvency92▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.38 against 2.48 in 2023), but 53.6% 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 70
Relative position
BE, all sectors
reference
Sector 70
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 2024Solvency, return and age of the figures
Solvency
46.4%
Return on assets
2.3%
Age of the figures
20 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 29-09-2025, 60 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
76 d late
2022
46 d late
2021
86 d late
2020
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€771k▲ 5.3%
2023 · €732k
2020: €38k
2021: €967k
2022: €687k
2023: €732k
2020 → 2024
Total assets
€1.66M▼ 0.9%
2023 · €1.68M
2020: €673k
2021: €1.61M
2022: €1.69M
2023: €1.68M
2020 → 2024
Net result
€39k▼ 14.4%
2023 · €45k
2020: €6k
2021: €174k
2022: €-280k
2023: €45k
2020 → 2024
Working capital
€481k▼ 3.6%
2023 · €499k
2020: €-142k
2021: €201k
2022: €509k
2023: €499k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€38k-€967k▲ 2,460%€687k▼ 28.9%€732k▲ 6.6%€771k▲ 5.3%
Operating result€19k-€262k▲ 1,268%€-266k€56k€48k▼ 14.8%
Net result€6k-€174k▲ 2,738%€-280k€45k€39k▼ 14.4%
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 2024; 2024 is 15% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.66M
Fixed assets
€833k▼ 0.6%
Current assets
€828k▼ 1.0%
Equity and liabilities €1.66M
Equity
€771k▲ 5.3%
Provisions
€65k▼ 2.0%
Debt
€827k▼ 6.0%
The debt ratio falls from 52.4% to 49.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€54k▼
2023 · €63k
Cash flow
€45k▼
2023 · €52k
Solvency
46.4%▲
2023 · 43.6%
Current ratio
2.38▼
2023 · 2.48
Quick ratio
2.38▼
2023 · 2.48
Debt / equity
1.07▼
2023 · 1.20
ROE
5.0%▼
2023 · 6.2%
ROA
2.3%▼
2023 · 2.7%
Interest coverage
5.20▲
2023 · 5.15
Debt
€827k▼
2023 · €880k
Debt ≤ 1 year
€347k▲
2023 · €338k
Debt > 1 year
€480k▼
2023 · €542k
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€1.68M€1.66M▼
Formation expenses20€3k€2k▼
Fixed assets21/28€839k€833k▼
Tangible fixed assets22/27€839k€833k▼
Land and buildings22€825k€822k▼
Plant, machinery and equipment23€13k€11k▼
Current assets29/58€836k€828k▼
Amounts receivable after more than one year29€777k€777k=
Trade receivables290€777k€777k=
Amounts receivable within one year40/41€16k€17k▲
Trade receivables40€9k€9k▲
Other amounts receivable41€7k€7k=
Cash at bank and in hand54/58€43k€34k▼
Equity and liabilities
Total equity and liabilities10/49€1.68M€1.66M▼
Equity10/15€732k€771k▲
Contributions10/11€546€546=
Revaluation surpluses12€755k€755k=
Reserves13€190k€188k▼
Tax-exempt reserves132€185k€183k▼
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-214k€-173k▲
Provisions and deferred taxes16€66k€65k▼
Deferred taxes168€66k€65k▼
Amounts payable17/49€880k€827k▼
Amounts payable after more than one year17€542k€480k▼
Financial debts170/4€517k€454k▼
Other amounts payable178/9€25k€25k=
Amounts payable within one year42/48€338k€347k▲
Current portion of amounts payable after more than one year42€61k€62k▲
Trade debts44-€3k
Suppliers440/4-€3k
Other amounts payable47/48€277k€282k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€10k€13k▲
Gross operating margin9900€72k€68k▼
Operating profit (loss)9901€56k€48k▼
Financial income75/76B€104€171▲
Recurring financial income75€104€171▲
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Profit (loss) for the period before taxes9903€44k€37k▼
Transfer from deferred taxes780€1k€1k=
Profit (loss) for the period9904€45k€39k▼
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€48k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-214k€-173k▲
Profit (loss) brought forward from the previous period14P€-261k€-214k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 76 days late
2023
31-12
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
15-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 46 days late
2022
31-12
Financial
Weakest financial yearnet €-280k ▼261%
Net result drops to €-280k, the lowest in the series; recovery starts the following year.
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 86 days late
2021
31-12
Financial
Highest result since 2020net €174k ▲2738%
Operating result €262k, net result €174k, both a record.
31-12
Financial
Liquidity times 7current ratio 1.99
Current ratio from 0.30 to 1.99; short-term debt falls from €203k to €203k.
31-12
Financial
Equity above €500kEq €967k ▲2460%
2 profitable years in a row build equity to €967k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Mons · 1 establishment unit since 1999
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.
Avenue Champ de Bataille 6377012 Mons1 establishment unit
Avenue Champ de Bataille 637, 7012 Mons
since 19992.092.468.657
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Of 82,190 companies in sector 70200 we hold annual accounts for 52,387. 30,527 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-1999
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filings
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.