KOBATI
ActiveThe computed 12-month bankruptcy probability of KOBATI is 3.1% (moderate). The 2025 annual accounts show equity of €5k and a net result of €87k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 10% of 817 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency25▼-26
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.62 against 2.3 in 2024), but 99.4% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
0.6%
Return on assets
10.4%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 817 sector peers (2025).
NBB · sector comparisonPosition among 817 sector peers
Solvency
better than 10%
← 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 25-02-2026, 156 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
156 d early
2024
149 d early
2023
119 d early
2022
46 d early
2021
26 d early
2020
54 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€87k▼ 56.5%
2024 · €200k
2020: €23k
2021: €51k
2022: €31k
2023: €3k
2024: €200k
2020 → 2025
Working capital
€173k▲ 15.3%
2024 · €150k
2020: €12k
2021: €25k
2022: €-13k
2023: €-25k
2024: €150k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€46k▲ 32.9%€49k▲ 5.6%€144k▲ 195%€5k▼ 96.5%
Operating result€56k-€37k▼ 33.6%€23k▼ 36.9%€238k▲ 915%€138k▼ 42.1%
Net result€51k-€31k▼ 37.8%€3k▼ 91.7%€200k▲ 7,580%€87k▼ 56.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €837k
Fixed assets
€383k▼ 5.1%
Current assets
€454k▲ 71.1%
Equity and liabilities €837k
Equity
€5k▼ 96.5%
Debt
€832k▲ 58.5%
The debt ratio rises from 78.5% to 99.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€163k▼
2024 · €263k
Cash flow
€113k▼
2024 · €225k
Solvency
0.6%▼
2024 · 21.5%
Current ratio
1.62▼
2024 · 2.30
Quick ratio
1.62▼
2024 · 2.30
ROA
10.4%▼
2024 · 29.9%
Interest coverage
9.38▼
2024 · 15.04
Debt
€832k▲
2024 · €525k
Debt ≤ 1 year
€281k▲
2024 · €115k
Debt > 1 year
€360k▼
2024 · €409k
Income taxes
€34k▲
2024 · €30k
A ratio outside any meaningful range has been withheld (balance sheet total €837k, equity €5k).
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€668k€837k▲
Fixed assets21/28€403k€383k▼
Tangible fixed assets22/27€401k€381k▼
Land and buildings22€394k€374k▼
Plant, machinery and equipment23€372€255▼
Furniture and vehicles24€6k€6k▼
Financial fixed assets28€2k€2k=
Current assets29/58€265k€454k▲
Amounts receivable within one year40/41€190k€313k▲
Trade receivables40€176k€275k▲
Other amounts receivable41€14k€38k▲
Cash at bank and in hand54/58€73k€141k▲
Deferred charges and accrued income490/1€2k€261▼
Equity and liabilities
Total equity and liabilities10/49€668k€837k▲
Equity10/15€144k€5k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€139k-
Amounts payable17/49€525k€832k▲
Amounts payable after more than one year17€409k€360k▼
Financial debts170/4€329k€305k▼
Other amounts payable178/9€80k€55k▼
Amounts payable within one year42/48€115k€281k▲
Current portion of amounts payable after more than one year42€28k€27k▼
Financial debts43€5€11▲
Credit institutions430/8€5€11▲
Trade debts44€59k€3k▼
Suppliers440/4€59k€3k▼
Other amounts payable47/48€29k€251k▲
Accrued charges and deferred income492/3-€191k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€266k€167k▼
Operating profit (loss)9901€238k€138k▼
Financial income75/76B€10k€382▼
Recurring financial income75€187€382▲
Non-recurring financial income76B€10k-
Financial charges65/66B€17k€17k▼
Recurring financial charges65€17k€17k▼
Profit (loss) for the period before taxes9903€230k€121k▼
Income taxes67/77€30k€34k▲
Profit (loss) for the period9904€200k€87k▼
Profit (loss) for the period to be appropriated9905€200k€87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€244k€226k▼
Profit (loss) brought forward from the previous period14P€44k€139k▲
Profit to be distributed694/7€105k€226k▲
Return on contributions (dividend)694-€226k
Directors or managers695€105k-
The notes to these accounts (16 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
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
04-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €200k ▲7580%
Operating result €238k, net result €200k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.30
Current ratio from 0.71 to 2.30.
31-12
Financial
Equity above €100kEq €144k ▲195%
5 profitable years in a row build equity to €144k.
03-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €3k ▼91.7%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Schaarbeek · 1 establishment unit since 2019
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.
Josaphatstraat 2121030 SchaarbeekGround area
595 m²
Building footprint
444 m²
Volume, LiDAR
4,018 m³
2 parcels, Brussels · tallest building 19.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
KOBATI
since 20192.297.931.483
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0133/00Y014 | Brussels | 373 m² | 1 · 130 m² | 19.7 m · 5 fl. |
| 21006A0198/00V008 | Brussels | 221 m² | 1 · 314 m² | 12.3 m · 2 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.
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,863. 6,362 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.