KOIF
ActiveKOIF has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €249k and a net result of €6k. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 17% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+1
Solvency31=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.91 against 0.9 in 2024; short-term debt: 73.7% and cash: 5.4% of total assets), and 94% 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+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 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
6%
Return on assets
0.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 10252 sector peers (2025).
NBB · sector comparisonPosition among 10252 sector peers
Solvency
better than 17%
← weakest
strongest →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
7 d early
2024
1 d early
2023
13 d early
2022
6 d early
2021
1 d early
2020
50 d early
2019
42 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€249k▲ 2.5%
2024 · €243k
2018: €120k
2019: €196k
2020: €250k
2021: €273k
2022: €337k
2023: €309k
2024: €243k
2018 → 2025
Total assets
€4.14M▼ 0.1%
2024 · €4.14M
2018: €664k
2019: €1.66M
2020: €3.05M
2021: €3.46M
2022: €3.88M
2023: €4.31M
2024: €4.14M
2018 → 2025
Net result
€6k▲ 123%
2024 · €3k
2018: €94k
2019: €238k
2020: €187k
2021: €108k
2022: €94k
2023: €3k
2024: €3k
2018 → 2025
Working capital
€-283k▲ 8.1%
2024 · €-308k
2018: €120k
2019: €106k
2020: €-4k
2021: €-73k
2022: €-160k
2023: €-188k
2024: €-308k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€273k-€337k▲ 23.5%€309k▼ 8.3%€243k▼ 21.4%€249k▲ 2.5%
Operating result€156k-€138k▼ 11.8%€54k▼ 61.0%€69k▲ 28.0%€68k▼ 0.4%
Net result€108k-€94k▼ 12.7%€3k▼ 97.0%€3k▼ 1.6%€6k▲ 123%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.14M
Fixed assets
€1.37M▼ 6.2%
Current assets
€2.77M▲ 3.3%
Equity and liabilities €4.14M
Equity
€249k▲ 2.5%
Debt
€3.89M▼ 0.2%
The debt ratio falls from 94.1% to 94.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€160k▲
2024 · €160k
Cash flow
€98k▲
2024 · €94k
Solvency
6.0%▲
2024 · 5.9%
Current ratio
0.91▲
2024 · 0.90
Quick ratio
0.31▼
2024 · 0.33
Debt / equity
15.61▼
2024 · 16.04
ROE
2.5%▲
2024 · 1.1%
ROA
0.1%▲
2024 · 0.1%
Interest coverage
2.55▲
2024 · 2.41
Debt
€3.89M▼
2024 · €3.90M
Debt ≤ 1 year
€3.05M▲
2024 · €2.99M
Debt > 1 year
€841k▼
2024 · €913k
Income taxes
€8k▲
2024 · €3k
Staff costs
€225k▲
2024 · €215k
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€4.14M€4.14M▼
Fixed assets21/28€1.46M€1.37M▼
Intangible fixed assets21€17k€11k▼
Tangible fixed assets22/27€1.45M€1.36M▼
Land and buildings22€1.18M€1.12M▼
Plant, machinery and equipment23€55k€45k▼
Furniture and vehicles24€37k€26k▼
Other tangible fixed assets26€179k€174k▼
Current assets29/58€2.68M€2.77M▲
Stocks and contracts in progress3€1.69M€1.82M▲
Stocks30/36€1.69M€1.82M▲
Amounts receivable within one year40/41€517k€604k▲
Trade receivables40€346k€446k▲
Other amounts receivable41€171k€158k▼
Current investments50/53€104k€105k▲
Cash at bank and in hand54/58€341k€223k▼
Deferred charges and accrued income490/1€28k€13k▼
Equity and liabilities
Total equity and liabilities10/49€4.14M€4.14M▼
Equity10/15€243k€249k▲
Contributions10/11€19k€19k=
Reserves13€224k€231k▲
Distributable reserves133€224k€231k▲
Amounts payable17/49€3.90M€3.89M▼
Amounts payable after more than one year17€913k€841k▼
Financial debts170/4€910k€838k▼
Other amounts payable178/9€3k€3k=
Amounts payable within one year42/48€2.99M€3.05M▲
Current portion of amounts payable after more than one year42€77k€76k▼
Financial debts43€400k€400k=
Credit institutions430/8€400k€400k=
Trade debts44€2.25M€2.19M▼
Suppliers440/4€2.25M€2.19M▼
Taxes, remuneration and social security45€226k€244k▲
Taxes450/3€199k€215k▲
Remuneration and social security454/9€27k€28k▲
Other amounts payable47/48€38k€135k▲
Income statement
Code20242025
Remuneration, social security and pensions62€215k€225k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€91k€92k▲
Other operating charges640/8€50k€37k▼
Non-recurring operating charges66A€64k-
Gross operating margin9900€487k€422k▼
Operating profit (loss)9901€69k€68k▼
Financial income75/76B€3k€8k▲
Recurring financial income75€3k€8k▲
Financial charges65/66B€66k€63k▼
Recurring financial charges65€66k€63k▼
Profit (loss) for the period before taxes9903€6k€14k▲
Income taxes67/77€3k€8k▲
Profit (loss) for the period9904€3k€6k▲
Profit (loss) for the period to be appropriated9905€3k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€6k▲
Transfer from equity791/2€69k-
Transfer to equity691/2€3k€6k▲
To other reserves6921€3k€6k▲
Profit to be distributed694/7€69k-
Return on contributions (dividend)694€69k-
Social balance
Average headcount (FTE)90874.35.0▲
The notes to these accounts (19 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €3k ▼1.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €250k ▲27.7%
3 profitable years in a row build equity to €250k.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €238k ▲153%
Operating result €332k, net result €238k, both a record.
31-12
Financial
Equity above €150kEq €196k ▲63%
2 profitable years in a row build equity to €196k.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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 2017
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.
Terbekehofdreef 51-532610 AntwerpenGround area
2.1 ha
Building footprint
4,897 m²
Volume, LiDAR
33,354 m³
Parcel 11463D0176/00X003, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KOIF
since 20172.262.248.549
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11463D0176/00X003 | Flanders | 2.1 ha | 1 · 4,897 m² | 9.0 m · 2 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
Legal Entity Identifier
875500VOJHY6GED70T72
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Of 12,979 companies in sector 47120 we hold annual accounts for 2,186. 1,335 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2017
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.koif.be