KOM & LEER
ActiveKOM & LEER has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €-529. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 15% of 16426 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▲+2
Solvency37=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.36 against 0.43 in 2024; short-term debt: 14.3% and cash: 4.9% of total assets), and 88.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
11.6%
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 15% of 16426 sector peers (2025).
NBB · sector comparisonPosition among 16426 sector peers
Solvency
better than 15%
← 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 29-07-2026, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
7 d early
2023
36 d early
2022
14 d early
2021
54 d early
2020
52 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, micro schema
Equity
€60k▼ 3.6%
2024 · €62k
2020: €15k
2021: €42k
2022: €47k
2023: €59k
2024: €62k
2020 → 2025
Total assets
€517k▼ 1.3%
2024 · €524k
2020: €189k
2021: €279k
2022: €301k
2023: €504k
2024: €524k
2020 → 2025
Net result
€-529
2024 · €5k
2020: €-15k
2021: €42k
2022: €20k
2023: €13k
2024: €5k
2020 → 2025
Working capital
€-47k▲ 12.0%
2024 · €-54k
2020: €-12k
2021: €-14k
2022: €-32k
2023: €-56k
2024: €-54k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€47k▲ 12.9%€59k▲ 24.6%€62k▲ 5.7%€60k▼ 3.6%
Operating result€49k-€26k▼ 46.4%€30k▲ 15.7%€27k▼ 11.5%€15k▼ 43.8%
Net result€42k-€20k▼ 50.9%€13k▼ 34.7%€5k▼ 61.8%€-529
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 44% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €517k
Fixed assets
€490k▲ 1.3%
Current assets
€27k▼ 33.6%
Equity and liabilities €517k
Equity
€60k▼ 3.6%
Debt
€457k▼ 1.0%
The debt ratio rises from 88.1% to 88.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €46k
Cash flow
€24k▼
2024 · €24k
Solvency
11.6%▼
2024 · 11.9%
Current ratio
0.36▼
2024 · 0.43
Quick ratio
0.36▼
2024 · 0.43
Debt / equity
7.60▲
2024 · 7.40
ROE
-0.9%▼
2024 · 8.2%
ROA
-0.1%▼
2024 · 1.0%
Interest coverage
2.86▲
2024 · 2.44
Debt
€457k▼
2024 · €462k
Debt ≤ 1 year
€74k▼
2024 · €94k
Debt > 1 year
€380k▲
2024 · €364k
Income taxes
€2k▼
2024 · €3k
Staff costs
€3k▲
2024 · €2k
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€524k€517k▼
Fixed assets21/28€484k€490k▲
Tangible fixed assets22/27€484k€490k▲
Land and buildings22€467k€474k▲
Plant, machinery and equipment23€7k€7k▼
Furniture and vehicles24€10k€10k▲
Current assets29/58€40k€27k▼
Amounts receivable within one year40/41€1k€1k▲
Other amounts receivable41€1k€1k▲
Cash at bank and in hand54/58€39k€25k▼
Deferred charges and accrued income490/1€134€35▼
Equity and liabilities
Total equity and liabilities10/49€524k€517k▼
Equity10/15€62k€60k▼
Contributions10/11€30k€30k=
Reserves13€32k€30k▼
Distributable reserves133€32k€30k▼
Amounts payable17/49€462k€457k▼
Amounts payable after more than one year17€364k€380k▲
Financial debts170/4€364k€380k▲
Amounts payable within one year42/48€94k€74k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€17k€401▼
Suppliers440/4€17k€401▼
Taxes, remuneration and social security45€10k€2k▼
Taxes450/3€10k€2k▼
Other amounts payable47/48€52k€56k▲
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€24k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€51k€46k▼
Operating profit (loss)9901€27k€15k▼
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€19k€14k▼
Recurring financial charges65€19k€14k▼
Profit (loss) for the period before taxes9903€8k€1k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€5k€-529▼
Profit (loss) for the period to be appropriated9905€5k€-529▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-529▼
Transfer from equity791/2-€2k
Transfer to equity691/2€3k-
To other reserves6921€3k-
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
The notes to these accounts (7 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Oostende · 1 establishment unit since 2019
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.
Stuiverstraat 3188400 OostendeGround area
315 m²
Building footprint
164 m²
Volume, LiDAR
1,098 m³
Parcel 35383C0413/00H006, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KOM & LEER
since 20192.296.577.839
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35383C0413/00H006 | Flanders | 315 m² | 1 · 164 m² | 11.2 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 410 EUR awarded · 410 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 289 EUR | 289 EUR |
| 2023 | 1 | 121 EUR | 121 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,690 companies in sector 86951 we hold annual accounts for 2,137. 1,940 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2019
Fiscal year end31-12
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
55209Other holiday and short-stay accommodation
85699Other educational support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.