KORALY
ActiveThe computed 12-month bankruptcy probability of KORALY is 1.8% (moderate). The 2026 annual accounts show equity of €16k and a net result of €9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 65% of 190 sector peers (fiscal year 2026). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability100=
Solvency81▼-11
Growth78=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.28 against 3.02 in 2025; short-term debt: 43.9% and cash: 34.4% of total assets), and 43.9% 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
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 · 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 2026Solvency, return and age of the figures
Solvency
56.1%
Return on assets
31.6%
Age of the figures
6 mo
lowers risk · Growing equity
Reported equity is higher than in 2024 and did not fall compared with 2025. These amounts do not establish the cause of the change.
NBB · annual accounts 2026Equity per financial year
23242526
2023 to 2026 · latest year €16k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 18-09-2026, 43 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2026
43 d early
2025
26 d late
2024
9 d early
2023
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€16k▲ 128%
2025 · €7k
2023: €5k
2024: €1k
2025: €7k
2023 → 2026
Total assets
€29k▲ 172%
2025 · €11k
2023: €23k
2024: €10k
2025: €11k
2023 → 2026
Net result
€9k▲ 50.7%
2025 · €6k
2023: €324
2024: €-4k
2025: €6k
2023 → 2026
Working capital
€16k▲ 128%
2025 · €7k
2023: €5k
2024: €1k
2025: €7k
2023 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2023202420252026Trend
Equity€5k-€1k▼ 80.1%€7k▲ 574%€16k▲ 128%
Operating result€442-€-4k€7k€12k▲ 84.5%
Net result€324-€-4k€6k€9k▲ 50.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 85% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Equity and liabilities €29k
Equity
€16k▲ 128%
Debt
€13k▲ 261%
The debt ratio rises from 33.1% to 43.9%. Equity and debt are higher.
Key figures and ratios
Solvency
56.1%▼
2025 · 66.9%
Current ratio
2.28▼
2025 · 3.02
Quick ratio
2.28▼
2025 · 3.02
Debt / equity
0.78▲
2025 · 0.49
ROE
56.2%▼
2025 · 85.2%
ROA
31.6%▼
2025 · 57.0%
Debt
€13k▲
2025 · €4k
Debt ≤ 1 year
€13k▲
2025 · €4k
Income taxes
€4k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€11k€29k▲
Current assets29/58€11k€29k▲
Amounts receivable within one year40/41€5k€19k▲
Trade receivables40€5k€18k▲
Other amounts receivable41€14€837▲
Cash at bank and in hand54/58€6k€10k▲
Equity and liabilities
Total equity and liabilities10/49€11k€29k▲
Equity10/15€7k€16k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€2k€11k▲
Amounts payable17/49€4k€13k▲
Amounts payable within one year42/48€4k€13k▲
Trade debts44€583€2k▲
Suppliers440/4€583€2k▲
Taxes, remuneration and social security45-€8k
Taxes450/3-€8k
Other amounts payable47/48€3k€3k=
Income statement
Code20252026
Other operating charges640/8€62€462▲
Gross operating margin9900€7k€12k▲
Operating profit (loss)9901€7k€12k▲
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€420€305▼
Recurring financial charges65€420€305▼
Profit (loss) for the period before taxes9903€6k€13k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€6k€9k▲
Profit (loss) for the period to be appropriated9905€6k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€11k▲
Profit (loss) brought forward from the previous period14P€-4k€2k▲
The notes to these accounts (1 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 2027, expected by
2026
18-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Highest result since 2023net €9k ▲50.7%
Operating result €12k, net result €9k, both a record.
2025
26-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
31-03
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-03
Financial
Liquidity triplescurrent ratio 3.02
Current ratio from 1.12 to 3.02; short-term debt falls from €9k to €4k.
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-4k ▼1417%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated 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, Riemst · 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.
Paenhuisstraat 263770 RiemstGround area
689 m²
Building footprint
135 m²
Volume, LiDAR
670 m³
Parcel 73066A0705/00N000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Paenhuisstraat 26, 3770 Riemst
since 20222.328.395.918
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73066A0705/00N000 | Flanders | 689 m² | 1 · 135 m² | 7.7 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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Aartselaar · Eq €16k
BioLux
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Oudergem · Eq €16k
Of 1,510 companies in sector 47540 we hold annual accounts for 805. 359 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2022
Fiscal year end31-03
Activities, NACEBEL
47540Retail sale of electrical household appliances
47551Retail sale of household furniture
47553Retail trade
47591Retail trade
47593Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.