Koersfix
ActiveThe computed 12-month bankruptcy probability of Koersfix is 2.5% (moderate). The 2025 annual accounts show equity of €32k and a net result of €11k. Its solvency ranks better than 29% of 18016 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency11▼-1
Growth52
Stability82
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.74 against 0.8 in 2024), and 90.8% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 47
Relative position
BE, all sectors
reference
Sector 47
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
9.2%
Return on assets
3%
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 28-04-2026, 94 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
94 d early
2024
94 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▲ 48.4%
2024 · €22k
2024: €22k
2024 → 2025
Total assets
€354k▲ 17.8%
2024 · €300k
2024: €300k
2024 → 2025
Net result
€11k▼ 51.4%
2024 · €22k
2024: €22k
2024 → 2025
Working capital
€-41k▼ 67.9%
2024 · €-24k
2024: €-24k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€22k-€32k▲ 48.4%
Operating result€29k-€19k▼ 33.9%
Net result€22k-€11k▼ 51.4%
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 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €354k
Fixed assets
€238k▲ 18.2%
Current assets
€115k▲ 16.8%
Equity and liabilities €354k
Equity
€32k▲ 48.4%
Debt
€321k▲ 15.4%
The debt ratio falls from 92.7% to 90.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€33k▼
2024 · €35k
Cash flow
€25k▼
2024 · €28k
Solvency
9.2%▲
2024 · 7.3%
Current ratio
0.74▼
2024 · 0.80
Quick ratio
0.16▲
2024 · 0.05
Debt / equity
9.90▼
2024 · 12.73
ROE
32.6%▼
2024 · 99.5%
ROA
3.0%▼
2024 · 7.3%
Interest coverage
5.99▼
2024 · 31.40
Debt
€321k▲
2024 · €278k
Debt ≤ 1 year
€156k▲
2024 · €123k
Debt > 1 year
€164k▲
2024 · €155k
Income taxes
€3k▼
2024 · €6k
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€300k€354k▲
Fixed assets21/28€202k€238k▲
Tangible fixed assets22/27€202k€238k▲
Land and buildings22€195k€192k▼
Plant, machinery and equipment23€2k€7k▲
Furniture and vehicles24-€36k
Other tangible fixed assets26€5k€4k▼
Current assets29/58€99k€115k▲
Stocks and contracts in progress3€92k€90k▼
Stocks30/36€92k€90k▼
Amounts receivable within one year40/41€3k€10k▲
Trade receivables40€3k€10k▲
Cash at bank and in hand54/58€2k€12k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€300k€354k▲
Equity10/15€22k€32k▲
Contributions10/11€100€100=
Reserves13€22k€32k▲
Distributable reserves133€22k€32k▲
Amounts payable17/49€278k€321k▲
Amounts payable after more than one year17€155k€164k▲
Financial debts170/4€155k€164k▲
Amounts payable within one year42/48€123k€156k▲
Current portion of amounts payable after more than one year42€9k€14k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€11k€18k▲
Taxes450/3€11k€18k▲
Other amounts payable47/48€100k€122k▲
Accrued charges and deferred income492/3€901€920▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€14k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€39k€35k▼
Operating profit (loss)9901€29k€19k▼
Financial income75/76B€238€454▲
Recurring financial income75€238€454▲
Financial charges65/66B€1k€6k▲
Recurring financial charges65€1k€6k▲
Profit (loss) for the period before taxes9903€28k€14k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€22k€11k▼
Profit (loss) for the period to be appropriated9905€22k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€11k▼
Transfer to equity691/2€22k€11k▼
To other reserves6921€22k€11k▼
The notes to these accounts (6 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Leuven · 2 establishment units since 2024
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.
Holsbeeksesteenweg 2793010 LeuvenGround area
1,057 m²
Building footprint
224 m²
Volume, LiDAR
1,175 m³
2 parcels, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Holsbeeksesteenweg 279, 3010 Leuven
since 20242.357.016.262
Aarschotsesteenweg 416C, 3012 Leuven
since 20242.376.580.568
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24051A0359/00T003 | Flanders | 847 m² | 1 · 101 m² | 9.1 m · 1 fl. |
| 24126B0227/00E004 | Flanders | 210 m² | 1 · 123 m² | 11.0 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.
Similar companies · same sector, comparable size
AU GUIDON VERT
BE 0675.450.887
Etterbeek · Eq €33k
BIKEPACKING BELGIUM
BE 0675.863.633
Antwerpen · Eq €33k
FIETSEN ANDY
BE 1009.884.222
Dentergem · Eq €32k
CICLO MORELLO
BE 0471.876.393
Hoogstraten · Eq €33k
J.V. CONSULT
BE 0451.623.288
Pelt · Eq €32k
Of 1,451 companies in sector 47632 we hold annual accounts for 721. 467 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2024
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.