Summary
KREFISERVICING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €828,488 and a net result of -€45,977. Equity is shrinking by ~35.8% per year across the filed fiscal years. Its solvency ranks better than 90% of 2399 sector peers (fiscal year 2025). The company has been active since 1956 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 27-04-2026, 95 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
95 d early
2024
77 d early
2023
93 d early
2022
56 d early
2021
73 d early
2020
52 d early
2019
93 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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema, statutory accounts
In the rankings
#1 oldest company in Kontich, Finance and insurance sector
Equity
€828,488▼ 5.3%
2024 · €874,464
Net result
-€45,977
2024 · €58,911
Total assets
€843,823▼ 7.6%
2024 · €913,444
Solvency
98.2%▲ 2.4pp
2024 · 95.7%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€154,730-€190,316▼ 23.0%-€1.2m▼ 518%-€78,517▲ 93.3%-€60,650▲ 22.8%
Net result-€156,806-€194,891▼ 24.3%-€998,234▼ 412%€58,911-€45,977
Equity€8.2m▼ 1.9%€8.0m▼ 2.4%€2.9m▼ 63.4%€874,464▼ 70.0%€828,488▼ 5.3%
Total assets€8.3m▼ 4.6%€8.0m▼ 3.0%€7.0m▼ 12.6%€913,444▼ 87.0%€843,823▼ 7.6%
Debt€14,952▼ 91.5%€14,462▼ 3.3%€4.1m▲ 28,152%€38,979▼ 99.0%€15,336▼ 60.7%
Working capital€773,152▼ 23.2%€522,163▼ 32.5%€2.9m▲ 461%€873,742▼ 70.2%€826,871▼ 5.4%
Solvency98.6%▲ 2.8pp99.3%▲ 0.6pp41.6%▼ 57.7pp95.7%▲ 54.2pp98.2%▲ 2.4pp
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €60,650 in 2025 against €78,517 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €843,823
Fixed assets
€1,648 ▼ 21.1%
Current assets
€842,176 ▼ 7.6%
Equity and liabilities €843,823
Equity
€828,488 ▼ 5.3%
Debt
€15,336 ▼ 60.7%
Debt's share of the balance-sheet total falls from 4.3% to 1.8%. Equity and debt are lower.
Key figures and ratios
ROE
-5.5%▼
2024 · 6.7%
ROA
-5.4%▼
2024 · 6.4%
Debt ≤ 1 year
€15,305▼
2024 · €37,613
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €50,525 | €51,142 | €28,435 | €12,793 | €13,146 | ▲ 2.8% |
| Other operating income74 | €50,525 | €51,142 | €28,435 | €12,793 | €13,146 | ▲ 2.8% |
| Non-recurring operating income76A | €0 | - | - | - | - | - |
| Operating charges60/66A | €205,255 | €241,457 | €1.2m | €91,309 | €73,796 | ▼ 19.2% |
| Services and other goods61 | €269,989 | €280,873 | €144,397 | €101,935 | €71,790 | ▼ 29.6% |
| Remuneration, social security and pensions62 | €0 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €116 | €441 | ▲ 280% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | -€82,750 | -€54,110 | -€32,992 | -€12,585 | €0 | ▲ 100% |
| Other operating charges640/8 | €18,016 | €14,694 | €1.1m | €1,844 | €1,566 | ▼ 15.1% |
| Non-recurring operating charges66A | €0 | - | - | - | - | - |
| Operating profit (loss)9901 | -€154,730 | -€190,316 | -€1.2m | -€78,517 | -€60,650 | ▲ 22.8% |
| Financial income75/76B | - | - | €201,672 | €142,115 | €15,218 | ▼ 89.3% |
| Recurring financial income75 | - | - | €201,672 | €142,115 | €15,218 | ▼ 89.3% |
| Income from current assets751 | - | - | €201,672 | €142,114 | €15,217 | ▼ 89.3% |
| Other financial income752/9 | - | - | - | €0 | €0 | ▼ 70.6% |
| Financial charges65/66B | €2,076 | €2,300 | €576 | €4,687 | €544 | ▼ 88.4% |
| Recurring financial charges65 | €2,076 | €2,300 | €576 | €4,687 | €544 | ▼ 88.4% |
| Debt charges650 | - | - | - | €4,190 | €0 | ▼ 100% |
| Other financial charges652/9 | €2,076 | €2,300 | €576 | €497 | €544 | ▲ 9.6% |
| Profit (loss) for the period before taxes9903 | -€156,806 | -€192,615 | -€974,226 | €58,911 | -€45,977 | ▼ 178% |
| Income taxes67/77 | - | €2,275 | €24,009 | €0 | - | - |
| Taxes670/3 | - | €2,275 | €24,009 | €0 | - | - |
| Profit (loss) for the period9904 | -€156,806 | -€194,891 | -€998,234 | €58,911 | -€45,977 | ▼ 178% |
| Transfer from tax-exempt reserves789 | - | - | €2.1m | €0 | - | - |
| Profit (loss) for the period to be appropriated9905 | -€156,806 | -€194,891 | €1.1m | €58,911 | -€45,977 | ▼ 178% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €8.3m | €8.0m | €7.0m | €913,444 | €843,823 | ▼ 7.6% |
| Fixed assets21/28 | €7.5m | €7.5m | €0 | €2,089 | €1,648 | ▼ 21.1% |
| Tangible fixed assets22/27 | - | - | - | €2,089 | €1,648 | ▼ 21.1% |
| Furniture and vehicles24 | - | - | - | €2,089 | €1,648 | ▼ 21.1% |
| Financial fixed assets28 | €7.5m | €7.5m | €0 | - | - | - |
| Other financial fixed assets284/8 | €7.5m | €7.5m | €0 | - | - | - |
| Amounts receivable and cash guarantees285/8 | €7.5m | €7.5m | €0 | - | - | - |
| Current assets29/58 | €786,116 | €536,625 | €7.0m | €911,355 | €842,176 | ▼ 7.6% |
| Stocks and contracts in progress3 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts receivable within one year40/41 | €0 | - | €5.8m | €0 | - | - |
| Other amounts receivable41 | €0 | - | €5.8m | €0 | - | - |
| Cash at bank and in hand54/58 | €786,116 | €536,625 | €1.1m | €898,994 | €835,436 | ▼ 7.1% |
| Deferred charges and accrued income490/1 | €0 | - | €203,917 | €12,361 | €6,739 | ▼ 45.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €8.3m | €8.0m | €7.0m | €913,444 | €843,823 | ▼ 7.6% |
| Equity10/15 | €8.2m | €8.0m | €2.9m | €874,464 | €828,488 | ▼ 5.3% |
| Contributions10/11 | €2.5m | €2.5m | €2.5m | €400,506 | €400,506 | = |
| Capital10 | €2.5m | €2.5m | €2.5m | €400,000 | €400,000 | = |
| Issued capital100 | €2.5m | €2.5m | €2.5m | €400,000 | €400,000 | = |
| Outside capital11 | €506 | €506 | €506 | €506 | €506 | = |
| Share premium1100/10 | €506 | €506 | €506 | €506 | €506 | = |
| Reserves13 | €5.7m | €5.5m | €415,048 | €473,959 | €427,982 | ▼ 9.7% |
| Non-distributable reserves130/1 | €415,048 | €415,048 | €415,048 | €205,048 | €205,048 | = |
| Legal reserve130 | €250,000 | €250,000 | €250,000 | €40,000 | €40,000 | = |
| Other1319 | €165,048 | €165,048 | €165,048 | €165,048 | €165,048 | = |
| Tax-exempt reserves132 | €2.1m | €2.1m | €0 | - | - | - |
| Distributable reserves133 | €3.1m | €2.9m | €0 | €268,911 | €222,934 | ▼ 17.1% |
| Provisions and deferred taxes16 | €99,687 | €45,577 | €12,585 | €0 | - | - |
| Provisions for liabilities and charges160/5 | €99,687 | €45,577 | €12,585 | €0 | - | - |
| Pensions and similar obligations160 | - | €45,577 | €12,585 | €0 | - | - |
| Environmental obligations163 | €99,687 | €0 | - | - | - | - |
| Amounts payable17/49 | €14,952 | €14,462 | €4.1m | €38,979 | €15,336 | ▼ 60.7% |
| Amounts payable within one year42/48 | €12,964 | €14,462 | €4.1m | €37,613 | €15,305 | ▼ 59.3% |
| Trade debts44 | €12,964 | €14,462 | €8,609 | €13,604 | €15,305 | ▲ 12.5% |
| Suppliers440/4 | €12,964 | €14,462 | €8,609 | €13,604 | €15,305 | ▲ 12.5% |
| Taxes, remuneration and social security45 | - | - | €24,009 | €24,009 | €0 | ▼ 100% |
| Taxes450/3 | - | - | €24,009 | €24,009 | €0 | ▼ 100% |
| Other amounts payable47/48 | €0 | - | €4.1m | €0 | - | - |
| Accrued charges and deferred income492/3 | €1,988 | €0 | - | €1,367 | €31 | ▼ 97.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€156,806 | -€194,891 | -€998,234 | €58,911 | -€45,977 | ▼ 178% |
| + Depreciation and write-downs630 | - | - | - | €116 | €441 | ▲ 280% |
| Operating cash flow (approximation) | -€156,806 | -€194,891 | -€998,234 | €59,027 | -€45,536 | ▼ 177% |
| Investment in fixed assets (approximation) | - | €0 | €7.5m | -€2,204 | €0 | ▲ 100% |
| Change in cash | - | -€249,491 | €523,365 | -€160,996 | -€63,557 | ▲ 60.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Liquidity doublescurrent ratio 55.03
Current ratio from 24.23 to 55.03; short-term debt falls from €37,613 to €15,305.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €58,911
Net result €58,911 after 3 loss-making years.
31-12
Financial
Liquidity times 14current ratio 24.23
Current ratio from 1.72 to 24.23; short-term debt falls from €4.1m to €37,613.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet -€998,234
Net result drops to -€998,234, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
19-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity times 9current ratio 60.64
Current ratio from 6.79 to 60.64; short-term debt falls from €173,874 to €12,964.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Liquidity times 268current ratio 6.79
Current ratio from 0.03 to 6.79; short-term debt falls from €11.9m to €173,874.
Show earlier events
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · consolidated
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 28 acts read
About the unread acts
We know of 28 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
28 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, Kontich · 1 establishment unit since 1956
Ground area
1.5 ha
Building footprint
3,683 m²
Volume, LiDAR
30,492 m³
Parcel 11024B0084/00M000, Flanders · tallest building 17.6 m, ±2 floors. Linked by address, not a title deed.
33
companies at this address
See who is registered here
1 establishment unit
Prins Boudewijnlaan 5, 2550 Kontich
since 19562.036.229.344
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0084/00M000 | Flanders | 1.5 ha | 1 · 3,683 m² | 17.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
Legal Entity Identifier
213800XQMOI4VP63MX43
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Nivelles Finances
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Of 232 companies in sector 64190 we hold annual accounts for 110. 77 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded01-03-1956
Fiscal year end31-12
Activities, NACEBEL 2025
64190Financial service activities, except insurance and pension funding
64910Financial service activities, except insurance and pension funding
Contact
E-mail
board@krefiservicing.be
Phone
+32 496 58 08 85
Scores and ratios are computed by Checked and are not a credit decision.