KONTADO
ActiveKONTADO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €128k and a net result of €30k. Equity is growing by ~41.5% per year across the filed fiscal years. Its solvency ranks better than 21% of 2935 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability32▼-28
Solvency37▲+1
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.22 against 0.17 in 2023; short-term debt: 40.7% and cash: 5.7% of total assets), and 87.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 69
Relative position
BE, all sectors
reference
Sector 69
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 2935 sector peers (2024).
NBB · sector comparisonPosition among 2935 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-10-2025, 67 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
67 d late
2023
19 d late
2022
59 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€128k▲ 31.2%
2023 · €97k
2022: €47k
2023: €97k
2022 → 2024
Total assets
€1.04M▲ 16.4%
2023 · €896k
2022: €900k
2023: €896k
2022 → 2024
Net result
€30k▼ 39.8%
2023 · €50k
2022: €48k
2023: €50k
2022 → 2024
Working capital
€-333k▼ 55.7%
2023 · €-214k
2022: €-162k
2023: €-214k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€47k-€97k▲ 107%€128k▲ 31.2%
Operating result€77k-€88k▲ 15.1%€24k▼ 72.4%
Net result€48k-€50k▲ 5.9%€30k▼ 39.8%
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 2024; 2024 is 72% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.04M
Fixed assets
€951k▲ 11.8%
Current assets
€92k▲ 105%
Equity and liabilities €1.04M
Equity
€128k▲ 31.2%
Provisions
€56k
Debt
€859k▲ 7.6%
The debt ratio falls from 89.1% to 82.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25k▼
2023 · €89k
Cash flow
€31k▼
2023 · €51k
Solvency
12.3%▲
2023 · 10.9%
Current ratio
0.22▲
2023 · 0.17
Quick ratio
0.22▲
2023 · 0.17
Debt / equity
6.72▼
2023 · 8.19
ROE
23.8%▼
2023 · 51.7%
ROA
2.9%▼
2023 · 5.6%
Interest coverage
1.17▼
2023 · 4.09
Debt
€859k▲
2023 · €798k
Debt ≤ 1 year
€424k▲
2023 · €258k
Debt > 1 year
€435k▼
2023 · €540k
Income taxes
€3k▼
2023 · €16k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€896k€1.04M▲
Fixed assets21/28€851k€951k▲
Tangible fixed assets22/27€985€1k▲
Plant, machinery and equipment23€985€487▼
Furniture and vehicles24-€640
Financial fixed assets28€850k€950k▲
Current assets29/58€45k€92k▲
Amounts receivable within one year40/41€30k€32k▲
Trade receivables40€25k€26k▲
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€15k€59k▲
Deferred charges and accrued income490/1€45€469▲
Equity and liabilities
Total equity and liabilities10/49€896k€1.04M▲
Equity10/15€97k€128k▲
Contributions10/11€1k€1k=
Reserves13€96k€127k▲
Distributable reserves133€96k€127k▲
Profit (loss) carried forward14€0-
Provisions and deferred taxes16-€56k
Provisions for liabilities and charges160/5-€56k
Other liabilities and charges164/5-€56k
Amounts payable17/49€798k€859k▲
Amounts payable after more than one year17€540k€435k▼
Financial debts170/4€540k€435k▼
Amounts payable within one year42/48€258k€424k▲
Current portion of amounts payable after more than one year42€103k€105k▲
Trade debts44€1k€201k▲
Suppliers440/4€1k€201k▲
Taxes, remuneration and social security45€40k€34k▼
Taxes450/3€39k€31k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€114k€85k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€498€657▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€56k
Other operating charges640/8€2k€922▼
Gross operating margin9900€91k€82k▼
Operating profit (loss)9901€88k€24k▼
Financial income75/76B-€30k
Recurring financial income75-€30k
Financial charges65/66B€22k€21k▼
Recurring financial charges65€22k€21k▼
Profit (loss) for the period before taxes9903€67k€33k▼
Income taxes67/77€16k€3k▼
Profit (loss) for the period9904€50k€30k▼
Profit (loss) for the period to be appropriated9905€50k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€30k▼
Transfer to equity691/2€50k€30k▼
To other reserves6921€50k€30k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90870.00.0=
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
2025
06-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 67 days late
2024
31-12
Financial
Weakest financial yearnet €30k ▼39.8%
Net result drops to €30k, the lowest in the series.
31-12
Financial
Equity above €100kEq €128k ▲31.2%
3 profitable years in a row build equity to €128k.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 19 days late
2023
31-12
Financial
Highest result since 2022net €50k ▲5.9%
Operating result €88k, net result €50k, both a record.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 59 days late
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, Deinze · 1 establishment unit since 2022
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.
Kortrijksesteenweg 3979800 DeinzeGround area
913 m²
Building footprint
151 m²
Volume, LiDAR
932 m³
Parcel 44054A0162/00R000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KONTADO
since 20222.326.477.890
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44054A0162/00R000 | Flanders | 913 m² | 1 · 151 m² | 7.3 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.
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COULONVAL Expert-Comptable
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BOFIMAS
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,530 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-01-2022
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:daniel_ternest@hotmail.com