Summary
KOHAMIL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €239k and a net result of €218k. Equity is shrinking by ~46% per year across the filed fiscal years. Its solvency ranks better than 32% of 5527 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
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
18192021222425
2018 to 2025 · latest year €239k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
7 d early
2022
60 d late
2021
17 d early
2020
15 d early
2019
87 d early
2018
9 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€239k▲ 1,068%
2024 · €20k
2018: €826k
2019: €663k
2020: €293k
2021: €113k
2022: €20k
2024: €20k
2018 → 2025
Net result
€218k▼ 65.2%
2024 · €628k
2018: €209k
2019: €235k
2020: €236k
2021: €283k
2022: €265k
2024: €628k
2018 → 2025
Total assets
€750k▼ 1.5%
2024 · €762k
2018: €871k
2019: €679k
2020: €745k
2021: €593k
2022: €413k
2024: €762k
2018 → 2025
Solvency
31.9%▲ 29.2pp
2024 · 2.7%
2018: 94.8%
2019: 97.7%
2020: 39.3%
2021: 19.1%
2022: 4.9%
2024: 2.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€293k-€113k▼ 61.3%€20k▼ 82.0%€20k=€239k▲ 1,068%
Operating result€331k-€375k▲ 13.3%€349k▼ 6.9%€839k▲ 141%€272k▼ 67.6%
Net result€236k-€283k▲ 19.6%€265k▼ 6.3%€628k▲ 137%€218k▼ 65.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 68% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €750k
Fixed assets
€37k ▼ 32.4%
Current assets
€713k ▲ 0.8%
Equity and liabilities €750k
Equity
€239k ▲ 1,068%
Debt
€511k ▼ 31.1%
Debt's share of the balance-sheet total falls from 97.3% to 68.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
91.4%
ROA
29.1%▼
2024 · 82.4%
Debt ≤ 1 year
€511k▼
2024 · €741k
Income taxes
€67k▼
2024 · €213k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€762k€750k▼
Fixed assets21/28€54k€37k▼
Tangible fixed assets22/27€53k€37k▼
Furniture and vehicles24€27k€13k▼
Other tangible fixed assets26€26k€23k▼
Financial fixed assets28€1k€0▼
Current assets29/58€708k€713k▲
Amounts receivable within one year40/41€37k€42k▲
Trade receivables40€37k€31k▼
Other amounts receivable41€35€11k▲
Current investments50/53€471k€34k▼
Cash at bank and in hand54/58€193k€632k▲
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€762k€750k▼
Equity10/15€20k€239k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€0€218k▲
Amounts payable17/49€741k€511k▼
Amounts payable within one year42/48€741k€511k▼
Financial debts43€644€257▼
Credit institutions430/8€644€257▼
Trade debts44€4k€68▼
Suppliers440/4€4k€68▼
Taxes, remuneration and social security45€79k€15k▼
Taxes450/3€79k€15k▼
Other amounts payable47/48€658k€496k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€19k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€873k€292k▼
Operating profit (loss)9901€839k€272k▼
Financial income75/76B€46€14k▲
Recurring financial income75€46€14k▲
Financial charges65/66B€-2k€85▲
Recurring financial charges65€-2k€85▲
Profit (loss) for the period before taxes9903€841k€286k▼
Income taxes67/77€213k€67k▼
Profit (loss) for the period9904€628k€218k▼
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€628k€218k▼
Appropriation of the result
Profit (loss) to be appropriated9906€628k€218k▼
Profit to be distributed694/7€628k€0▼
Return on contributions (dividend)694€628k€0▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (13 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
04-03
State Gazette act
General meeting · Director reappointment
Permanent representative · Mandate compensation
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Equity above €200kEq €239k ▲1068%
7 profitable years in a row build equity to €239k.
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2018net €628k ▲137%
Operating result €839k, net result €628k, both a record.
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
13-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-04
State Gazette act
General meeting · Director appointment
Mandate compensation · Board meeting
03-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity doublescurrent ratio 42.44
Current ratio from 19.01 to 42.44; short-term debt falls from €45k to €16k.
09-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
Show earlier events
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
31-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Nazareth-De Pinte · 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.
Picassostraat 89840 Nazareth-De PinteGround area
603 m²
Building footprint
193 m²
Volume, LiDAR
814 m³
Parcel 44012B0421/00E002, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KOHAMIL
since 20142.236.311.046
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44012B0421/00E002 | Flanders | 603 m² | 1 · 193 m² | 6.0 m · 1 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
2 locations
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,607 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2014
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.