KOBAN
ActiveKOBAN has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €2k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 93% of 1887 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▲+5
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 12.52 against 11.5 in 2024), and 8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← 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
92%
Return on assets
2.4%
Age of the figures
8 mo
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
22 d early
2023
55 d late
2022
16 d late
2021
22 d late
2020
24 d late
2019
26 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 2.7%
2024 · €64k
2018: €30k
2019: €39k
2020: €62k
2021: €60k
2022: €61k
2023: €63k
2024: €64k
2018 → 2025
Total assets
€72k▲ 1.9%
2024 · €71k
2018: €40k
2019: €45k
2020: €73k
2021: €68k
2022: €63k
2023: €71k
2024: €71k
2018 → 2025
Net result
€2k▲ 69.9%
2024 · €1k
2018: €9k
2019: €9k
2020: €23k
2021: €-3k
2022: €939
2023: €3k
2024: €1k
2018 → 2025
Working capital
€66k▲ 2.7%
2024 · €64k
2018: €30k
2019: €39k
2020: €62k
2021: €60k
2022: €61k
2023: €63k
2024: €64k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€61k▲ 1.6%€63k▲ 4.6%€64k▲ 1.6%€66k▲ 2.7%
Operating result€-3k-€367€2k▲ 461%€1k▼ 34.8%€2k▲ 72.4%
Net result€-3k-€939€3k▲ 195%€1k▼ 62.8%€2k▲ 69.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 72% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €72k
Equity
€66k▲ 2.7%
Debt
€6k▼ 6.4%
The debt ratio falls from 8.7% to 8.0%: equity grows while debt is paid down.
Key figures and ratios
Solvency
92.0%▲
2024 · 91.3%
Current ratio
12.52▲
2024 · 11.50
Quick ratio
12.52▲
2024 · 11.50
Debt / equity
0.09▼
2024 · 0.10
ROE
2.6%▲
2024 · 1.6%
ROA
2.4%▲
2024 · 1.5%
Debt
€6k▼
2024 · €6k
Debt ≤ 1 year
€6k▼
2024 · €6k
Income taxes
€442▲
2024 · €254
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€71k€72k▲
Current assets29/58€71k€72k▲
Amounts receivable within one year40/41€745€8k▲
Trade receivables40€0€8k▲
Other amounts receivable41€745€310▼
Cash at bank and in hand54/58€70k€64k▼
Equity and liabilities
Total equity and liabilities10/49€71k€72k▲
Equity10/15€64k€66k▲
Contributions10/11€50k€50k=
Reserves13€0-
Distributable reserves133€0-
Profit (loss) carried forward14€14k€16k▲
Amounts payable17/49€6k€6k▼
Amounts payable within one year42/48€6k€6k▼
Trade debts44€573€1k▲
Suppliers440/4€573€1k▲
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Remuneration and social security454/9€46€0▼
Other amounts payable47/48€1k€1k=
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€2k€3k▲
Operating profit (loss)9901€1k€2k▲
Financial income75/76B€5€0▼
Recurring financial income75€5€0▼
Financial charges65/66B€65€126▲
Recurring financial charges65€65€126▲
Profit (loss) for the period before taxes9903€1k€2k▲
Income taxes67/77€254€442▲
Profit (loss) for the period9904€1k€2k▲
Profit (loss) for the period to be appropriated9905€1k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€16k▲
Profit (loss) brought forward from the previous period14P€10k€14k▲
Transfer from equity791/2€4k€0▼
The notes to these accounts (1 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Back to profitnet €939
Net result €939 after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 31.47
Current ratio from 7.95 to 31.47; short-term debt falls from €9k to €2k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Weakest financial yearnet €-3k ▼112%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Highest result since 2018net €23k ▲157%
Operating result €25k, net result €23k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Pieters-Leeuw · 1 establishment unit since 1998
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.
Kerkstraat 941601 Sint-Pieters-LeeuwGround area
3,239 m²
Building footprint
2,161 m²
Volume, LiDAR
16,044 m³
2 parcels, Flanders · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Koban
since 19982.088.644.085
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23069A0144/00T004 | Flanders | 3,155 m² | 1 · 2,077 m² | 11.4 m · 2 fl. |
| 23069A0144/00H004 | Flanders | 84 m² | 1 · 84 m² | 13.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
METALLGESTALTUNG MEYERS
BE 0835.279.470
Sankt Vith · Eq €66k
MBWF
BE 0429.578.752
Beveren-Kruibeke-Zwijndrecht · Eq €65k
DOUCHY METAALCONSTRUCTIE
BE 0822.853.671
Staden · Eq €65k
Jochem Janssens
BE 0667.898.844
Mechelen · Eq €65k
LEVOMATICS
BE 0717.957.178
Zulte · Eq €64k
Of 904 companies in sector 25120 we hold annual accounts for 673. 411 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-1998
Fiscal year end31-12
Activities, NACEBEL
25120Manufacture of fabricated metal products, except machinery and equipment
28120
41001General construction of residential buildings
43222Installation of electric heating, air conditioning, cooling and ventilation
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.