KOP & STAART
ActiveKOP & STAART has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €42k. Equity is shrinking by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 1978 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+2
Solvency68▼-13
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 2.2 in 2024; short-term debt: 57.1% and cash: 77.1% of total assets), but 57.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 90
Relative position
BE, all sectors
reference
Sector 90
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
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
42.9%
Return on assets
37.6%
Age of the figures
9 mo
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 07-05-2026, 85 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
85 d early
2024
157 d early
2023
92 d early
2022
56 d early
2021
48 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 28.1%
2024 · €66k
2021: €56k
2022: €100k
2023: €138k
2024: €66k
2021 → 2025
Total assets
€110k▼ 6.4%
2024 · €118k
2021: €71k
2022: €127k
2023: €181k
2024: €118k
2021 → 2025
Net result
€42k▲ 50.1%
2024 · €28k
2021: €53k
2022: €44k
2023: €38k
2024: €28k
2021 → 2025
Working capital
€44k▼ 29.5%
2024 · €63k
2021: €55k
2022: €100k
2023: €136k
2024: €63k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€100k▲ 78.2%€138k▲ 37.6%€66k▼ 52.3%€47k▼ 28.1%
Operating result€67k-€56k▼ 16.9%€48k▼ 13.6%€36k▼ 26.4%€53k▲ 48.6%
Net result€53k-€44k▼ 17.4%€38k▼ 14.3%€28k▼ 26.7%€42k▲ 50.1%
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 49% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110k
Fixed assets
€3k▲ 1.2%
Current assets
€107k▼ 6.6%
Equity and liabilities €110k
Equity
€47k▼ 28.1%
Debt
€63k▲ 20.9%
The debt ratio rises from 44.2% to 57.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€53k▲
2024 · €36k
Cash flow
€42k▲
2024 · €28k
Solvency
42.9%▼
2024 · 55.8%
Current ratio
1.70▼
2024 · 2.20
Quick ratio
1.70▼
2024 · 2.20
Debt / equity
1.33▲
2024 · 0.79
ROE
87.7%▲
2024 · 42.0%
ROA
37.6%▲
2024 · 23.4%
Interest coverage
676.47▲
2024 · 488.51
Debt
€63k▲
2024 · €52k
Debt ≤ 1 year
€63k▲
2024 · €52k
Income taxes
€11k▲
2024 · €8k
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€118k€110k▼
Fixed assets21/28€3k€3k▲
Tangible fixed assets22/27€3k€3k▲
Furniture and vehicles24€1k€768▼
Other tangible fixed assets26€2k€2k▲
Current assets29/58€115k€107k▼
Amounts receivable within one year40/41€10k€22k▲
Trade receivables40€8k€21k▲
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€105k€85k▼
Equity and liabilities
Total equity and liabilities10/49€118k€110k▼
Equity10/15€66k€47k▼
Contributions10/11€3k€3k=
Reserves13€63k€44k▼
Distributable reserves133€63k€44k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€52k€63k▲
Amounts payable within one year42/48€52k€63k▲
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€8k€6k▼
Taxes450/3€8k€6k▼
Other amounts payable47/48€43k€56k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€513€513=
Other operating charges640/8€449€462▲
Gross operating margin9900€37k€54k▲
Operating profit (loss)9901€36k€53k▲
Financial income75/76B€2€3▲
Recurring financial income75€2€3▲
Financial charges65/66B€74€79▲
Recurring financial charges65€74€79▲
Profit (loss) for the period before taxes9903€36k€53k▲
Income taxes67/77€8k€11k▲
Profit (loss) for the period9904€28k€42k▲
Profit (loss) for the period to be appropriated9905€28k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€42k▲
Transfer from equity791/2€100k€60k▼
Transfer to equity691/2€28k€42k▲
To other reserves6921€28k€42k▲
Profit to be distributed694/7€100k€60k▼
Return on contributions (dividend)694€100k€60k▼
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
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €28k ▼26.7%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €100k ▲78.2%
2 profitable years in a row build equity to €100k.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Hasselt · 1 establishment unit since 2020
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.
Diesterstraat 233500 HasseltGround area
659 m²
Building footprint
63 m²
Volume, LiDAR
803 m³
Parcel 71022H1384/00G009, Flanders · tallest building 16.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
KOP & STAART
since 20202.306.670.787
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71022H1384/00G009 | Flanders | 659 m² | 1 · 63 m² | 16.1 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.
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Of 6,657 companies in sector 90111 we hold annual accounts for 383. 308 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2020
Fiscal year end31-12
Activities, NACEBEL
90031Arts creation and performing arts activities
90111Literary creation
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.