Kot & More
ActiveSummary
The computed 12-month bankruptcy probability of Kot & More is 1.5% (moderate). The 2025 annual accounts show equity of €742k and a net result of €-40k. Equity is shrinking by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 58% of 7029 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▲+2
Solvency88▼-1
Growth32=
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 20.09 against 26.81 in 2024; short-term debt: 2.8% and cash: 0.4% of total assets), and 37.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
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
62.9%
Return on assets
-3.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year €-40k
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 30-06-2026, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
31 d early
2024
22 d early
2023
27 d early
← 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
€742k▼ 5.1%
2024 · €781k
2023: €842k
2024: €781k
2023 → 2025
Total assets
€1.18M▼ 3.9%
2024 · €1.23M
2023: €1.30M
2024: €1.23M
2023 → 2025
Net result
€-40k▲ 34.5%
2024 · €-61k
2023: €839k
2024: €-61k
2023 → 2025
Working capital
€632k▼ 5.2%
2024 · €667k
2023: €728k
2024: €667k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€842k-€781k▼ 7.2%€742k▼ 5.1%
Operating result€-86k-€-57k▲ 33.4%€-30k▲ 47.7%
Net result€839k-€-61k€-40k▲ 34.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30k in 2025 against €57k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€514k ▼ 3.7%
Current assets
€665k ▼ 4.0%
Equity and liabilities €1.18M
Equity
€742k ▼ 5.1%
Debt
€437k ▼ 1.7%
Debt's share of the balance-sheet total rises from 36.3% to 37.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-9k▲
2024 · €-37k
Cash flow
€-19k▲
2024 · €-40k
Current ratio
20.09▼
2024 · 26.81
Debt to equity
0.59▲
2024 · 0.57
ROE
-5.4%▲
2024 · -7.8%
ROA
-3.4%▲
2024 · -4.9%
Interest coverage
-0.36▲
2024 · -1.36
Debt ≤ 1 year
€33k▲
2024 · €26k
Debt > 1 year
€403k▼
2024 · €418k
Income taxes
€252▼
2024 · €268
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.23M€1.18M▼
Fixed assets21/28€533k€514k▼
Tangible fixed assets22/27€514k€495k▼
Land and buildings22€476k€460k▼
Plant, machinery and equipment23€29k€26k▼
Furniture and vehicles24€4k€4k▲
Other tangible fixed assets26€5k€5k=
Financial fixed assets28€19k€19k=
Current assets29/58€692k€665k▼
Amounts receivable within one year40/41€653k€649k▼
Other amounts receivable41€653k€649k▼
Cash at bank and in hand54/58€3k€5k▲
Deferred charges and accrued income490/1€36k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.18M▼
Equity10/15€781k€742k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€779k€739k▼
Amounts payable17/49€445k€437k▼
Amounts payable after more than one year17€418k€403k▼
Financial debts170/4€418k€403k▼
Amounts payable within one year42/48€26k€33k▲
Current portion of amounts payable after more than one year42€14k€15k▲
Financial debts43-€12k
Credit institutions430/8-€12k
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€789€521▼
Taxes450/3€789€521▼
Other amounts payable47/48€900€400▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€-34k€-6k▲
Operating profit (loss)9901€-57k€-30k▲
Financial income75/76B€24k€16k▼
Recurring financial income75€24k€16k▼
Financial charges65/66B€27k€25k▼
Recurring financial charges65€27k€25k▼
Profit (loss) for the period before taxes9903€-60k€-39k▲
Income taxes67/77€268€252▼
Profit (loss) for the period9904€-61k€-40k▲
Profit (loss) for the period to be appropriated9905€-61k€-40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€779k€739k▼
Profit (loss) brought forward from the previous period14P€839k€779k▼
The notes to these accounts (7 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-61k ▼107%
Net result drops to €-61k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Jurbise · 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.
Route d'Ath(J) 1687050 JurbiseGround area
2,534 m²
Building footprint
197 m²
Parcel 53044B0728/00X002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Kot & More
since 20222.338.429.676
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53044B0728/00X002 | Wallonia | 2,534 m² | 1 · 197 m² | - |
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 13,421 companies in sector 73300 we hold annual accounts for 6,901. 3,544 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
Founded10-11-2022
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.