Kontrapunkt
ActiveSummary
Kontrapunkt has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.25M and a net result of €618k. Equity is growing by ~26.5% per year across the filed fiscal years. Its solvency ranks better than 58% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency89▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 2.68 against 2.42 in 2024; short-term debt: 36% and cash: 27% of total assets), and 36% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 69
Relative position
BE, all sectors
reference
Sector 69
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
64%
Return on assets
31.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 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 · 10 filingsDeviation from the deadline
2025
38 d late
2024
29 d late
2023
54 d late
2022
29 d late
2021
29 d late
2020
61 d late
2019
101 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.25M▲ 34.0%
2024 · €935k
2018: €215k
2019: €435k
2020: €489k
2021: €279k
2022: €501k
2023: €1.07M
2024: €935k
2018 → 2025
Total assets
€1.96M▲ 26.5%
2024 · €1.55M
2018: €296k
2019: €569k
2020: €611k
2021: €772k
2022: €612k
2023: €1.08M
2024: €1.55M
2018 → 2025
Net result
€618k▲ 32.9%
2024 · €465k
2018: €36k
2019: €221k
2020: €53k
2021: €242k
2022: €323k
2023: €569k
2024: €465k
2018 → 2025
Working capital
€1.19M▲ 36.0%
2024 · €873k
2018: €215k
2019: €434k
2020: €474k
2021: €270k
2022: €498k
2023: €1.01M
2024: €873k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€279k-€501k▲ 79.9%€1.07M▲ 114%€935k▼ 12.6%€1.25M▲ 34.0%
Operating result€316k-€428k▲ 35.4%€755k▲ 76.4%€609k▼ 19.4%€811k▲ 33.3%
Net result€242k-€323k▲ 33.1%€569k▲ 76.3%€465k▼ 18.3%€618k▲ 32.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.96M
Fixed assets
€65k ▲ 5.8%
Current assets
€1.89M ▲ 27.3%
Equity and liabilities €1.96M
Equity
€1.25M ▲ 34.0%
Debt
€706k ▲ 15.0%
Debt's share of the balance-sheet total falls from 39.6% to 36.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€814k▲
2024 · €609k
Cash flow
€620k▲
2024 · €466k
Current ratio
2.68▲
2024 · 2.42
Debt to equity
0.56▼
2024 · 0.66
ROE
49.3%▼
2024 · 49.7%
ROA
31.5%▲
2024 · 30.0%
Interest coverage
6642.17▲
2024 · 6398.34
Debt ≤ 1 year
€706k▲
2024 · €614k
Income taxes
€202k▲
2024 · €154k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.55M€1.96M▲
Fixed assets21/28€62k€65k▲
Tangible fixed assets22/27€62k€65k▲
Plant, machinery and equipment23€4k€6k▲
Furniture and vehicles24€819€2k▲
Other tangible fixed assets26€57k€57k=
Current assets29/58€1.49M€1.89M▲
Amounts receivable after more than one year29€98k€50k▼
Other amounts receivable291€98k€50k▼
Amounts receivable within one year40/41€416k€635k▲
Trade receivables40€416k€635k▲
Current investments50/53€506k€667k▲
Cash at bank and in hand54/58€457k€529k▲
Deferred charges and accrued income490/1€11k€13k▲
Equity and liabilities
Total equity and liabilities10/49€1.55M€1.96M▲
Equity10/15€935k€1.25M▲
Contributions10/11€20k€20k=
Reserves13€915k€1.23M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€913k€1.23M▲
Profit (loss) carried forward14€89€38▼
Amounts payable17/49€614k€706k▲
Amounts payable within one year42/48€614k€706k▲
Trade debts44€3k€254▼
Suppliers440/4€3k€254▼
Taxes, remuneration and social security45€101k€56k▼
Taxes450/3€101k€56k▼
Other amounts payable47/48€510k€650k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€652€2k▲
Other operating charges640/8€877€1k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€610k€817k▲
Operating profit (loss)9901€609k€811k▲
Financial income75/76B€10k€9k▼
Recurring financial income75€10k€9k▼
Financial charges65/66B€95€123▲
Recurring financial charges65€95€123▲
Profit (loss) for the period before taxes9903€618k€820k▲
Income taxes67/77€154k€202k▲
Profit (loss) for the period9904€465k€618k▲
Profit (loss) for the period to be appropriated9905€465k€618k▲
Appropriation of the result
Profit (loss) to be appropriated9906€465k€618k▲
Profit (loss) brought forward from the previous period14P€199€89▼
Transfer from equity791/2€600k€300k▼
Transfer to equity691/2€465k€618k▲
To other reserves6921€465k€618k▲
Profit to be distributed694/7€600k€300k▼
Return on contributions (dividend)694€600k€300k▼
The notes to these accounts (6 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
07-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 38 days late
2025
31-12
Financial
Highest result since 2018net €618k ▲32.9%
Operating result €811k, net result €618k, both a record.
31-12
Financial
Equity above €1MEq €1.25M ▲34%
8 profitable years in a row build equity to €1.25M.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
31-12
Financial
Liquidity times 23current ratio 124.86
Current ratio from 5.50 to 124.86; short-term debt falls from €111k to €8k.
31-12
Financial
Equity above €1MEq €1.07M ▲114%
6 profitable years in a row build equity to €1.07M.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 5.50
Current ratio from 1.55 to 5.50; short-term debt falls from €493k to €111k.
31-12
Financial
Equity above €500kEq €501k ▲79.9%
5 profitable years in a row build equity to €501k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
Show earlier events
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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 2015
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.
Jan Moorkensstraat 102600 AntwerpenGround area
239 m²
Building footprint
106 m²
Volume, LiDAR
841 m³
Parcel 11003A0179/00E008, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kontrapunkt
since 20152.244.106.579
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0179/00E008 | Flanders | 239 m² | 1 · 106 m² | 11.6 m · 3 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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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 3,724 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 (pre-2019)
Founded19-06-2015
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.