KOIA
ActiveKOIA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €141k and a net result of €6k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 9369 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability23▲+23
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 8.4 against 8.78 in 2024), and 11.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
88.6%
Return on assets
4%
Age of the figures
8 mo
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
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 27-05-2026, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
65 d early
2024
36 d early
2023
51 d early
2022
49 d early
2021
54 d early
2020
52 d early
2019
21 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, micro schema
Equity
€141k▲ 4.7%
2024 · €135k
2018: €103k
2019: €112k
2020: €128k
2021: €134k
2022: €148k
2023: €148k
2024: €135k
2018 → 2025
Total assets
€159k▲ 6.7%
2024 · €149k
2018: €110k
2019: €118k
2020: €140k
2021: €143k
2022: €155k
2023: €152k
2024: €149k
2018 → 2025
Net result
€6k
2024 · €-4k
2018: €-7k
2019: €8k
2020: €17k
2021: €5k
2022: €14k
2023: €122
2024: €-4k
2018 → 2025
Working capital
€135k▲ 20.6%
2024 · €112k
2018: €87k
2019: €98k
2020: €113k
2021: €127k
2022: €141k
2023: €135k
2024: €112k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€134k-€148k▲ 10.4%€148k▲ 0.1%€135k▼ 8.7%€141k▲ 4.7%
Operating result€9k-€17k▲ 95.5%€1k▼ 92.3%€-4k€6k
Net result€5k-€14k▲ 156%€122▼ 99.1%€-4k€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €159k
Fixed assets
€6k▼ 73.5%
Current assets
€153k▲ 21.3%
Equity and liabilities €159k
Equity
€141k▲ 4.7%
Debt
€18k▲ 25.2%
The debt ratio rises from 9.8% to 11.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€11k▲
2024 · €2k
Cash flow
€12k▲
2024 · €2k
Solvency
88.6%▼
2024 · 90.2%
Current ratio
8.40▼
2024 · 8.78
Quick ratio
8.40▼
2024 · 8.78
Debt / equity
0.13▲
2024 · 0.11
ROE
4.5%▲
2024 · -3.3%
ROA
4.0%▲
2024 · -2.9%
Interest coverage
22.86▲
2024 · 5.02
Debt
€18k▲
2024 · €15k
Debt ≤ 1 year
€18k▲
2024 · €14k
Income taxes
€3k▲
2024 · €139
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€149k€159k▲
Fixed assets21/28€23k€6k▼
Tangible fixed assets22/27€23k€6k▼
Plant, machinery and equipment23€1k€708▼
Furniture and vehicles24€22k€5k▼
Current assets29/58€127k€153k▲
Amounts receivable within one year40/41€12k€7k▼
Trade receivables40€10k€7k▼
Other amounts receivable41€2k€0▼
Current investments50/53€40k€40k=
Cash at bank and in hand54/58€75k€93k▲
Deferred charges and accrued income490/1€0€13k▲
Equity and liabilities
Total equity and liabilities10/49€149k€159k▲
Equity10/15€135k€141k▲
Contributions10/11€12k€12k=
Reserves13€122k€129k▲
Distributable reserves133€122k€129k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€15k€18k▲
Amounts payable within one year42/48€14k€18k▲
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€3k€7k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€9k€9k▲
Accrued charges and deferred income492/3€168€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€2k€585▼
Gross operating margin9900€5k€11k▲
Operating profit (loss)9901€-4k€6k▲
Financial income75/76B€35€4k▲
Recurring financial income75€35€4k▲
Financial charges65/66B€456€471▲
Recurring financial charges65€456€471▲
Profit (loss) for the period before taxes9903€-4k€9k▲
Income taxes67/77€139€3k▲
Profit (loss) for the period9904€-4k€6k▲
Profit (loss) for the period to be appropriated9905€-4k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€6k▲
Transfer from equity791/2€13k€0▼
Transfer to equity691/2-€6k
To other reserves6921-€6k
Profit to be distributed694/7€8k€0▼
Return on contributions (dividend)694€8k€0▼
The notes to these accounts (9 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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €17k ▲95.9%
Operating result €21k, net result €17k, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 9 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB 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, Beerse · 1 establishment unit since 2009
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.
Melkerijstraat 12340 BeerseGround area
1,708 m²
Building footprint
705 m²
Volume, LiDAR
7,953 m³
Parcel 13004C0059/00B002, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Melkerijstraat 1, 2340 Beerse
since 20092.181.364.605
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004C0059/00B002 | Flanders | 1,708 m² | 1 · 705 m² | 15.0 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.
Similar companies · same sector, comparable size
3A-Architectes
BE 0848.714.168
Brussel · Eq €142k
Okyo
BE 0836.636.975
Beringen · Eq €141k
Build-ID
BE 0633.918.754
Gent · Eq €142k
Vonque
BE 0465.247.236
Enghien · Eq €140k
SILVIA WANG DESIGNS
BE 0752.657.345
Aalter · Eq €142k
Of 3,911 companies in sector 71112 we hold annual accounts for 1,290. 1,022 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-2009
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
47553Retail trade
47593Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.