KOUBAYOU
ActiveThe computed 12-month bankruptcy probability of KOUBAYOU is 3.2% (moderate). The 2025 annual accounts show equity of €24k and a net result of €4k. Its solvency ranks better than 95% of 4157 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-19
Solvency100=
Growth68
Track record82
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 32.86 against 99.41 in 2024; short-term debt: 3% and cash: 69.7% of total assets), and 3% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 2025Solvency, return and age of the figures
Solvency
97%
Return on assets
17.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
29 d late
2024
16 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€192k▲ 154%
2024 · €76k
2024: €76k
2024 → 2025
EBIT margin
2.3%▼ 13.2pp
2024 · 15.5%
2024: 15.5%
2024 → 2025
Net result
€4k▼ 62.9%
2024 · €12k
2024: €12k
2024 → 2025
Working capital
€24k▲ 22.0%
2024 · €20k
2024: €20k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€76k-€192k▲ 154%
Equity€20k-€24k▲ 22.0%
Operating result€12k-€4k▼ 62.9%
Net result€12k-€4k▼ 62.9%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 63% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €25k
Equity
€24k▲ 22.0%
Debt
€754▲ 277%
The debt ratio rises from 1.0% to 3.0%. Equity and debt are higher.
Key figures and ratios
Solvency
97.0%▼
2024 · 99.0%
Current ratio
32.86▼
2024 · 99.41
Quick ratio
22.91▼
2024 · 61.91
Debt / equity
0.03▲
2024 · 0.01
ROE
18.1%▼
2024 · 59.4%
ROA
17.5%▼
2024 · 58.8%
Debt
€754▲
2024 · €200
Debt ≤ 1 year
€754▲
2024 · €200
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€20k€25k▲
Current assets29/58€20k€25k▲
Stocks and contracts in progress3€8k€8k=
Stocks30/36€8k€8k=
Cash at bank and in hand54/58€12k€17k▲
Equity and liabilities
Total equity and liabilities10/49€20k€25k▲
Equity10/15€20k€24k▲
Contributions10/11€8k€8k=
Capital10€8k€8k=
Issued capital100€8k€8k=
Profit (loss) carried forward14€12k€16k▲
Amounts payable17/49€200€754▲
Amounts payable within one year42/48€200€754▲
Taxes, remuneration and social security45€200€754▲
Taxes450/3€200€754▲
Income statement
Code20242025
Turnover70€76k€192k▲
Goods, raw materials, services and sundry goods60/61€64k€187k▲
Other operating charges640/8€4€400▲
Gross operating margin9900€12k€5k▼
Operating profit (loss)9901€12k€4k▼
Profit (loss) for the period before taxes9903€12k€4k▼
Profit (loss) for the period9904€12k€4k▼
Profit (loss) for the period to be appropriated9905€12k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€16k▲
Profit (loss) brought forward from the previous period14P-€12k
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 29 days late
2025
16-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 16 days late
NBB filing
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, Sint-Jans-Molenbeek · 1 establishment unit since 2024
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.
de Ribaucourtstraat 451080 Sint-Jans-MolenbeekGround area
142 m²
Building footprint
142 m²
Volume, LiDAR
1,121 m³
Parcel 21012A0205/00E005, Brussels · tallest building 15.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
de Ribaucourtstraat 45, 1080 Sint-Jans-Molenbeek
since 20242.361.794.008
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21012A0205/00E005 | Brussels | 142 m² | 1 · 142 m² | 15.8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Jans-Molenbeek2.361.794.008
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,276 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2024
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
10110Manufacture of food products
10111Manufacture of food products
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.