KOC
ActiveThe computed 12-month bankruptcy probability of KOC is 1.5% (moderate). The 2025 annual accounts show equity of €17k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 81% of 13071 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▼-35
Solvency100▲+2
Growth58=
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.53 against 2.01 in 2024), and 32.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 56
Relative position
BE, all sectors
reference
Sector 56
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
67.1%
Return on assets
8.6%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €17k
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
84 d late
2023
28 d late
2022
78 d late
2021
31 d early
2020
32 d early
2019
17 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▲ 14.7%
2024 · €15k
2018: €23k
2019: €8k
2020: €29k
2021: €41k
2022: €4k
2023: €12k
2024: €15k
2018 → 2025
Total assets
€26k▲ 1.4%
2024 · €26k
2018: €26k
2019: €12k
2020: €39k
2021: €52k
2022: €16k
2023: €17k
2024: €26k
2018 → 2025
Net result
€2k▼ 25.4%
2024 · €3k
2018: €-4k
2019: €-18k
2020: €26k
2021: €12k
2022: €-3k
2023: €8k
2024: €3k
2018 → 2025
Working capital
€13k▲ 24.9%
2024 · €11k
2018: €13k
2019: €-228
2020: €23k
2021: €34k
2022: €-3k
2023: €7k
2024: €11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€4k▼ 89.7%€12k▲ 188%€15k▲ 24.5%€17k▲ 14.7%
Operating result€17k-€-3k€8k€13k▲ 50.0%€3k▼ 77.5%
Net result€12k-€-3k€8k€3k▼ 62.4%€2k▼ 25.4%
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 2025; 2025 is 77% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26k
Fixed assets
€4k▼ 8.1%
Current assets
€22k▲ 3.6%
Equity and liabilities €26k
Equity
€17k▲ 14.7%
Debt
€9k▼ 17.9%
The debt ratio falls from 40.6% to 32.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€3k▼
2024 · €13k
Cash flow
€3k▼
2024 · €4k
Solvency
67.1%▲
2024 · 59.4%
Current ratio
2.53▲
2024 · 2.01
Quick ratio
2.32▲
2024 · 1.85
Debt / equity
0.49▼
2024 · 0.68
ROE
12.8%▼
2024 · 19.7%
ROA
8.6%▼
2024 · 11.7%
Interest coverage
23.05▲
2024 · 21.32
Debt
€9k▼
2024 · €10k
Debt ≤ 1 year
€9k▼
2024 · €10k
Income taxes
€1k▼
2024 · €9k
Staff costs
€316▲
2024 · €119
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€26k€26k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€760€380▼
Furniture and vehicles24€760€380▼
Financial fixed assets28€4k€4k=
Current assets29/58€21k€22k▲
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€16k€12k▼
Trade receivables40-€600
Other amounts receivable41€16k€11k▼
Cash at bank and in hand54/58€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€26k€26k▲
Equity10/15€15k€17k▲
Contributions10/11€3k€3k=
Reserves13€12k€14k▲
Distributable reserves133€12k€14k▲
Amounts payable17/49€10k€9k▼
Amounts payable within one year42/48€10k€9k▼
Trade debts44€7k€7k▲
Suppliers440/4€7k€7k▲
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Remuneration and social security454/9€8-
Income statement
Code20242025
Remuneration, social security and pensions62€119€316▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€575€380▼
Other operating charges640/8€748€2k▲
Gross operating margin9900€14k€6k▼
Operating profit (loss)9901€13k€3k▼
Financial income75/76B€43€635▲
Recurring financial income75€43€635▲
Financial charges65/66B€622€140▼
Recurring financial charges65€622€140▼
Profit (loss) for the period before taxes9903€12k€3k▼
Income taxes67/77€9k€1k▼
Profit (loss) for the period9904€3k€2k▼
Profit (loss) for the period to be appropriated9905€3k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€2k▼
Transfer to equity691/2€3k€2k▼
To other reserves6921€3k€2k▼
The notes to these accounts (5 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 84 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.44
Current ratio from 0.73 to 2.44; short-term debt falls from €12k to €5k.
17-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 78 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €26k
Net result €26k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 3.31
Current ratio from 0.95 to 3.31.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Antwerpen · 1 establishment unit since 2014
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.
Blancefloerlaan 42050 AntwerpenGround area
144 m²
Building footprint
143 m²
Volume, LiDAR
1,174 m³
Parcel 11813N0915/00B016, Flanders · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Pizzaphone LO
since 20142.227.697.446
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11813N0915/00B016 | Flanders | 144 m² | 1 · 143 m² | 13.2 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.227.697.446
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JUDA
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HL-NGUYEN-FAM.INVEST
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BELUNCH
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Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 8,402 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-2014
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.