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Koenco

Active
Testeltsesteenweg 190 ·3201 Aarschot, Belgium
KBO/BCE: BE 1004.695.910
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Age2 yrs
Real estate1 parcel · 3,200 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Koenco is 0.4% (very low). The 2025 annual accounts show equity of €133k and a net result of €63k. Its solvency ranks better than 80% of 2749 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 80% of 2749 peers (2025). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-05-2026, 63 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 29-05-2026 63 d early 2026-00125159
31-12-2024 31-07-2025 02-06-2025 59 d early 2025-00113140

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€63k-8.1%
Working capital€100k+247.8%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 29-05-2026 with the NBB · fiscal year 2025 · micro
€0€25k€50k€75kOperating result 2024: €86k€86kNet result 2024: €68k€68kOperating result 2025: €79k€79kNet result 2025: €63k€63k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 84.1% 62.2%
better than 80% of 2749 sector peers
Net result €63k €40k
better than 74% of 2751 sector peers
Equity €133k €62k
better than 77% of 2750 sector peers
Gross operating margin €88k €63k
better than 70% of 2751 sector peers
Total assets €159k €121k
better than 63% of 2751 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€88k
+0.5% 24-25
Net profit
€63k
-8.1% 24-25
Cash flow
€72k
+1.5% 24-25
Total assets
€159k
+72.8% 24-25
Equity
€133k
+89.3% 24-25
Working capital
€100k
+247.8% 24-25
Income taxes
€16k
-3.9% 24-25
Debt
€25k
+18.5% 24-25
Debt ≤ 1y
€25k
+18.5% 24-25
Current ratio
4.98
+111.4% 24-25
Quick ratio
4.98
+111.4% 24-25
Solvency
84.1%
+9.5% 24-25
Debt / equity
0.19
-37.4% 24-25
ROE
47.2%
-51.5% 24-25
ROA
39.7%
-46.9% 24-25
Interest coverage
2180.66
-10.1% 24-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€88k
Net profit€63k
Cash flow€72k
Staff costs-
Income taxes€16k
Dividends-
Total assets€159k
Equity€133k
Debt€25k
of which ≤ 1y€25k
of which > 1y-
Working capital€100k
Employees (FTE)-
Ratios (computed)
2025
Current ratio4.98
Quick ratio4.98
Working capital ratio63.3%
Solvency84.1%
Debt / equity0.19
Long-term debt ratio-
Interest coverage2180.66
Gross margin-
Net margin-
ROA39.7%
ROE47.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€159k
Fixed assets 21/28€33k
Tangible fixed assets 22/27€33k
Financial fixed assets 28€225
Current assets 29/58€126k
Amounts receivable within one year 40/41€32k
Cash & bank 54/58€93k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€159k
Equity 10/15€133k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€131k
Amounts payable 17/49€25k
Amounts payable within one year 42/48€25k
Trade debts payable within one year 44€589
Income statement
Gross operating margin 9900€88k
Operating result 9901€79k
Financial charges 65€40
Result before taxes 9903€79k
Income taxes 67/77€16k
Net result for the period 9904€63k
Result to be appropriated 9905€63k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
93 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Testeltsesteenweg 1903201 Aarschot

Establishment units

1 location
Koenco
Testeltsesteenweg 190, 3201 AarschotOntwerpen en programmeren van computerprogramma's
since 20242.354.268.192
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3,200 m²
Buildings1
Building footprint849 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24652D0450/00L000 Flanders 3,200 m² 1 · 849 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health93Profitability100Solvency100Growth52Stability82
85 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93
Profitability 100
Solvency 100
Growth 52
Stability 82

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
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AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 5,997 of the 29,856 companies in this sector. 4,960 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110
Primary activity highlighted.
Names & trade names
Legal nameNL Koenco
Registered office
Testeltsesteenweg 190 bus A
3201 Aarschot, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.