Kovani
ActiveKovani has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €67k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 65% of 17007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+1
Solvency98▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.63 against 2.29 in 2024; short-term debt: 26.9% and cash: 67.2% of total assets), and 26.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
73.1%
Return on assets
95.9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 25-11-2025, 67 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
67 d early
2024
43 d early
2023
41 d early
2022
34 d early
2021
39 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▼ 9.8%
2024 · €56k
2021: €28k
2022: €44k
2023: €53k
2024: €56k
2021 → 2025
Total assets
€69k▼ 17.3%
2024 · €84k
2021: €53k
2022: €66k
2023: €88k
2024: €84k
2021 → 2025
Net result
€67k▲ 230%
2024 · €20k
2021: €25k
2022: €16k
2023: €24k
2024: €20k
2021 → 2025
Working capital
€30k▼ 6.1%
2024 · €32k
2021: €26k
2022: €44k
2023: €44k
2024: €32k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€44k▲ 57.8%€53k▲ 21.1%€56k▲ 5.9%€51k▼ 9.8%
Operating result€33k-€23k▼ 29.8%€33k▲ 40.8%€27k▼ 17.8%€84k▲ 213%
Net result€25k-€16k▼ 36.5%€24k▲ 51.0%€20k▼ 16.9%€67k▲ 230%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 213% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69k
Fixed assets
€20k▼ 23.1%
Current assets
€49k▼ 14.6%
Equity and liabilities €69k
Equity
€51k▼ 9.8%
Debt
€19k▼ 32.5%
The debt ratio falls from 33.0% to 26.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€90k▲
2024 · €32k
Cash flow
€73k▲
2024 · €26k
Solvency
73.1%▲
2024 · 67.0%
Current ratio
2.63▲
2024 · 2.29
Quick ratio
2.63▲
2024 · 2.29
Debt / equity
0.37▼
2024 · 0.49
ROE
131.1%▲
2024 · 35.8%
ROA
95.9%▲
2024 · 24.0%
Interest coverage
-121.02▼
2024 · 146.18
Debt
€19k▼
2024 · €28k
Debt ≤ 1 year
€19k▼
2024 · €25k
Income taxes
€18k▲
2024 · €6k
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€84k€69k▼
Fixed assets21/28€26k€20k▼
Tangible fixed assets22/27€26k€20k▼
Plant, machinery and equipment23€11k€9k▼
Furniture and vehicles24€16k€11k▼
Current assets29/58€57k€49k▼
Amounts receivable within one year40/41€3k-
Trade receivables40€121-
Other amounts receivable41€3k-
Current investments50/53€9k-
Cash at bank and in hand54/58€44k€47k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€84k€69k▼
Equity10/15€56k€51k▼
Contributions10/11€3k€3k=
Reserves13€54k€48k▼
Distributable reserves133€54k€48k▼
Amounts payable17/49€28k€19k▼
Amounts payable within one year42/48€25k€19k▼
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€20k€18k▼
Taxes450/3€20k€18k▼
Other amounts payable47/48€729€86▼
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€846€590▼
Gross operating margin9900€33k€90k▲
Operating profit (loss)9901€27k€84k▲
Financial income75/76B€0€260▲
Recurring financial income75€0€260▲
Financial charges65/66B€222€-742▼
Recurring financial charges65€222€-742▼
Profit (loss) for the period before taxes9903€27k€85k▲
Income taxes67/77€6k€18k▲
Profit (loss) for the period9904€20k€67k▲
Profit (loss) for the period to be appropriated9905€20k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€67k▲
Transfer from equity791/2-€22k
Transfer to equity691/2€3k€17k▲
To other reserves6921€3k€17k▲
Profit to be distributed694/7€17k€72k▲
Return on contributions (dividend)694€17k€72k▲
The notes to these accounts (4 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
2025
25-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2021net €67k ▲230%
Operating result €84k, net result €67k, both a record.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €16k ▼36.5%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Denderleeuw · 1 establishment unit since 2020
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.
Parochiestraat 629472 DenderleeuwGround area
932 m²
Building footprint
84 m²
Volume, LiDAR
715 m³
Parcel 41030A0658/00M000, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kovani
since 20202.301.814.552
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41030A0658/00M000 | Flanders | 932 m² | 1 · 84 m² | 10.7 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 555 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 555 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500F1D50CC8YBAC85
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,777. 6,812 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-2020
Fiscal year end30-06
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.