Kornukopia
ActiveKornukopia has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €364k and a net result of €99k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 37% of 12617 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency89▲+5
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.67 against 2.46 in 2024), but 57.8% 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
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
42.2%
Return on assets
11.5%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
22 d early
2023
30 d late
2022
49 d early
2021
45 d late
2020
79 d late
2019
104 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€364k▲ 18.3%
2024 · €308k
2018: €76k
2019: €96k
2020: €133k
2021: €177k
2022: €218k
2023: €248k
2024: €308k
2018 → 2025
Total assets
€862k▲ 4.7%
2024 · €824k
2018: €592k
2019: €606k
2020: €646k
2021: €644k
2022: €762k
2023: €744k
2024: €824k
2018 → 2025
Net result
€99k▲ 66.9%
2024 · €59k
2018: €30k
2019: €20k
2020: €37k
2021: €44k
2022: €41k
2023: €30k
2024: €59k
2018 → 2025
Working capital
€405k▲ 16.6%
2024 · €347k
2018: €176k
2019: €194k
2020: €228k
2021: €266k
2022: €302k
2023: €326k
2024: €347k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€177k-€218k▲ 23.2%€248k▲ 13.9%€308k▲ 23.8%€364k▲ 18.3%
Operating result€96k-€68k▼ 29.0%€75k▲ 9.4%€92k▲ 22.8%€143k▲ 55.6%
Net result€44k-€41k▼ 7.3%€30k▼ 26.2%€59k▲ 95.5%€99k▲ 66.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 56% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €862k
Fixed assets
€214k▼ 10.4%
Current assets
€648k▲ 10.8%
Equity and liabilities €862k
Equity
€364k▲ 18.3%
Provisions
€101k=
Debt
€397k▼ 4.3%
The debt ratio falls from 50.4% to 46.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€169k▲
2024 · €108k
Cash flow
€125k▲
2024 · €76k
Solvency
42.2%▲
2024 · 37.3%
Current ratio
2.67▲
2024 · 2.46
Quick ratio
2.67▲
2024 · 2.46
Debt / equity
1.09▼
2024 · 1.35
ROE
27.2%▲
2024 · 19.3%
ROA
11.5%▲
2024 · 7.2%
Interest coverage
19.89▲
2024 · 12.11
Debt
€397k▼
2024 · €415k
Debt ≤ 1 year
€243k▲
2024 · €237k
Debt > 1 year
€154k▼
2024 · €178k
Income taxes
€41k▲
2024 · €26k
Staff costs
€20k▲
2024 · €19k
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€824k€862k▲
Fixed assets21/28€239k€214k▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€239k€214k▼
Land and buildings22€162k€154k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€73k€58k▼
Other tangible fixed assets26€2k€990▼
Current assets29/58€585k€648k▲
Amounts receivable after more than one year29€25k€25k=
Other amounts receivable291€25k€25k=
Amounts receivable within one year40/41€73k€133k▲
Trade receivables40€55k€58k▲
Other amounts receivable41€18k€75k▲
Current investments50/53€50k€85k▲
Cash at bank and in hand54/58€401k€372k▼
Deferred charges and accrued income490/1€36k€33k▼
Equity and liabilities
Total equity and liabilities10/49€824k€862k▲
Equity10/15€308k€364k▲
Contributions10/11€12k€12k=
Reserves13€268k€324k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€16k€16k=
Distributable reserves133€251k€306k▲
Profit (loss) carried forward14€27k€28k▲
Provisions and deferred taxes16€101k€101k=
Provisions for liabilities and charges160/5€101k€101k=
Pensions and similar obligations160€101k€101k=
Amounts payable17/49€415k€397k▼
Amounts payable after more than one year17€178k€154k▼
Financial debts170/4€178k€154k▼
Amounts payable within one year42/48€237k€243k▲
Current portion of amounts payable after more than one year42€24k€23k▼
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Advances received on contracts in progress46€195k€177k▼
Taxes, remuneration and social security45€15k€35k▲
Taxes450/3€13k€33k▲
Remuneration and social security454/9€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€19k€20k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€26k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-13k
Other operating charges640/8€4k€16k▲
Gross operating margin9900€131k€192k▲
Operating profit (loss)9901€92k€143k▲
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€6k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€85k€140k▲
Income taxes67/77€26k€41k▲
Profit (loss) for the period9904€59k€99k▲
Profit (loss) for the period to be appropriated9905€59k€99k▲
Appropriation of the result
Profit (loss) to be appropriated9906€86k€126k▲
Profit (loss) brought forward from the previous period14P€27k€27k▲
Transfer from equity791/2-€43k
Transfer to equity691/2€59k€98k▲
To the legal reserve6920-€98k
To other reserves6921€59k-
Profit to be distributed694/7-€43k
Return on contributions (dividend)694-€43k
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €99k ▲66.9%
Operating result €143k, net result €99k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €218k ▲23.2%
5 profitable years in a row build equity to €218k.
14-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 45 days late
2021
31-12
Financial
Equity above €150kEq €177k ▲33.3%
4 profitable years in a row build equity to €177k.
18-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 79 days late
2020
31-12
Financial
Equity above €100kEq €133k ▲38.6%
3 profitable years in a row build equity to €133k.
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
2019
31-12
Financial
Weakest financial yearnet €20k ▼32.1%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 59 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Bredene · 2 establishment units since 2010
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.
Frankrijklaan 248450 BredeneGround area
1,304 m²
Building footprint
511 m²
Volume, LiDAR
6,933 m³
2 parcels, Flanders · tallest building 34.0 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Kornukopia
since 20102.186.788.289
Nieuwpoortsesteenweg 84, 8400 Oostende
since 20112.201.137.658
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35002B0284/00Z003 | Flanders | 738 m² | 1 · 167 m² | 10.3 m · 2 fl. |
| 35386D0034/00Z010 | Flanders | 565 m² | 1 · 344 m² | 34.0 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 22,018 companies in sector 69101 we hold annual accounts for 9,026. 6,430 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-03-2010
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.