Koramic Capital has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.76M and a net result of €516k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 9% of 3184 sector peers (fiscal year 2025). The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €3.76M
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
37 d early
2023
51 d early
2022
45 d early
2021
46 d early
2020
38 d early
2019
39 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€516k▼ 23.0%
2024 · €671k
2018: €6.38M
2019: €694k
2020: €761k
2021: €8k
2022: €-47k
2023: €72k
2024: €671k
2018 → 2025
Working capital
€-247.29M
2024 · €2.98M
2018: €-8.68M
2019: €265.27M
2020: €-2.76M
2021: €2.01M
2022: €2.01M
2024: €2.98M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.55M-€2.50M▼ 1.8%€2.57M▲ 2.9%€3.24M▲ 26.1%€3.76M▲ 15.9%
Operating result€-6k-€-9k▼ 71.4%€-6k▲ 34.1%€-6k▲ 2.8%€16k
Net result€8k-€-47k€72k€671k▲ 829%€516k▼ 23.0%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €6k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €254.68M
Fixed assets
€251.17M▲ 32,489%
Current assets
€3.51M▲ 17.7%
Equity and liabilities €254.68M
Equity
€3.76M▲ 15.9%
Debt
€250.92M▲ 48,970%
The debt ratio rises from 13.6% to 98.5%. Equity and debt are higher.
Key figures and ratios
Solvency
1.5%▼
2024 · 86.4%
ROE
13.7%▼
2024 · 20.7%
ROA
0.2%▼
2024 · 17.9%
Debt
€250.92M▲
2024 · €511k
Debt ≤ 1 year
€250.80M▲
2024 · €756
Debt > 1 year
€119k▼
2024 · €511k
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€3.75M€254.68M▲
Fixed assets21/28€771k€251.17M▲
Financial fixed assets28€771k€251.17M▲
Current assets29/58€2.98M€3.51M▲
Amounts receivable after more than one year29€2.98M€2.36M▼
Other amounts receivable291€2.98M€2.36M▼
Amounts receivable within one year40/41€4k€1.13M▲
Other amounts receivable41€4k€1.13M▲
Current investments50/53€2€2=
Cash at bank and in hand54/58€4k€4k▼
Deferred charges and accrued income490/1-€17k
Equity and liabilities
Total equity and liabilities10/49€3.75M€254.68M▲
Equity10/15€3.24M€3.76M▲
Contributions10/11€1.30M€1.30M=
Capital10€1.30M€1.30M=
Issued capital100€1.30M€1.30M=
Reserves13€1.20M€1.20M=
Non-distributable reserves130/1€1.20M€1.20M=
Legal reserve130€1.20M€1.20M=
Profit (loss) carried forward14€743k€1.26M▲
Amounts payable17/49€511k€250.92M▲
Amounts payable after more than one year17€511k€119k▼
Financial debts170/4€511k€119k▼
Amounts payable within one year42/48€756€250.80M▲
Trade debts44€756€756=
Suppliers440/4€756€756=
Other amounts payable47/48-€250.80M
Income statement
Code20242025
Non-recurring operating income76A-€21k
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-5k€17k▲
Operating profit (loss)9901€-6k€16k▲
Financial income75/76B€868k€533k▼
Recurring financial income75€868k€533k▼
Financial charges65/66B€191k€33k▼
Recurring financial charges65€191k€10k▼
Non-recurring financial charges66B-€23k
Profit (loss) for the period before taxes9903€671k€516k▼
Profit (loss) for the period9904€671k€516k▼
Profit (loss) for the period to be appropriated9905€671k€516k▼
Appropriation of the result
Profit (loss) to be appropriated9906€743k€1.26M▲
Profit (loss) brought forward from the previous period14P€72k€743k▲
The notes to these accounts (8 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €72k
Net result €72k after one loss-making year.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-47k ▼722%
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity times 30current ratio 23.53
Current ratio from 0.79 to 23.53; short-term debt falls from €12.90M to €89k.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity times 55current ratio 50.41
Current ratio from 0.91 to 50.41; short-term debt falls from €98.77M to €5.37M.
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-04-2024
OPTIFIN CONSULTING: Resigned as Director
15-10-2019
Veerle Vercaigne: Resigned as Director
31-01-2018
Ivan Van den Bulcke: Resigned as Director
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 1989
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.
Kapel ter Bede(Kor) 848500 KortrijkGround area
1.5 ha
Building footprint
392 m²
Volume, LiDAR
4,504 m³
Parcel 34353B0292/00H000, Flanders · tallest building 12.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Koramic Finance Company
since 19892.044.676.559
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353B0292/00H000 | Flanders | 1.5 ha | 1 · 392 m² | 12.7 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.
Statutory auditor
1 auditor| CVBA Deloitte Statutory auditor · represented by Kurt Dehoorne | - → 17-02-2021 |
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 13,667 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-08-1989
Fiscal year end31-12
Legal name NL
KORFIMA
Abbreviation NL
KORFIMA
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
64200Holdings
64210Activities of holding companies
70100Activities of head offices
74151
74152
Sources
Crossroads Bank for EnterprisesNational Bank · 36 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.