KREPHI
ActiveKREPHI has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €240k and a net result of €141k. Its solvency ranks better than 25% of 2687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▲+7
Solvency41▲+9
Growth78
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.15 against 0.14 in 2024; short-term debt: 27.8% and cash: 4.3% of total assets), and 83.7% 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 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
16.3%
Return on assets
9.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 2687 sector peers (2025).
NBB · sector comparisonPosition among 2687 sector peers
Solvency
better than 25%
← weakest
strongest →
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 04-06-2026, 57 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
57 d early
2024
55 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€240k▲ 140%
2024 · €100k
2024: €100k
2024 → 2025
Total assets
€1.47M▲ 2.0%
2024 · €1.44M
2024: €1.44M
2024 → 2025
Net result
€141k▲ 49.2%
2024 · €95k
2024: €95k
2024 → 2025
Working capital
€-347k▼ 60.4%
2024 · €-216k
2024: €-216k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€100k-€240k▲ 140%
Operating result€179k-€234k▲ 31.2%
Net result€95k-€141k▲ 49.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 31% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.47M
Fixed assets
€1.41M=
Current assets
€63k▲ 85.2%
Equity and liabilities €1.47M
Equity
€240k▲ 140%
Debt
€1.23M▼ 8.3%
The debt ratio falls from 93.1% to 83.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
16.3%▲
2024 · 6.9%
Current ratio
0.15▲
2024 · 0.14
Quick ratio
0.15▲
2024 · 0.14
Debt / equity
5.15▼
2024 · 13.48
ROE
59.0%▼
2024 · 95.0%
ROA
9.6%▲
2024 · 6.6%
Debt
€1.23M▼
2024 · €1.34M
Debt ≤ 1 year
€410k▲
2024 · €250k
Debt > 1 year
€810k▼
2024 · €1.09M
Income taxes
€43k▲
2024 · €28k
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€1.44M€1.47M▲
Fixed assets21/28€1.41M€1.41M=
Financial fixed assets28€1.41M€1.41M=
Current assets29/58€34k€63k▲
Cash at bank and in hand54/58€34k€63k▲
Equity and liabilities
Total equity and liabilities10/49€1.44M€1.47M▲
Equity10/15€100k€240k▲
Contributions10/11€5k€5k=
Reserves13€95k€235k▲
Distributable reserves133€95k€235k▲
Amounts payable17/49€1.34M€1.23M▼
Amounts payable after more than one year17€1.09M€810k▼
Financial debts170/4€1.09M€810k▼
Amounts payable within one year42/48€250k€410k▲
Current portion of amounts payable after more than one year42€69k€78k▲
Financial debts43€25k€6k▼
Credit institutions430/8€25k€6k▼
Trade debts44€79€3k▲
Suppliers440/4€79€3k▲
Taxes, remuneration and social security45€16k€33k▲
Taxes450/3€16k€33k▲
Other amounts payable47/48€141k€289k▲
Accrued charges and deferred income492/3-€14k
Income statement
Code20242025
Non-recurring operating income76A-€384
Other operating charges640/8€384€244▼
Gross operating margin9900€179k€235k▲
Operating profit (loss)9901€179k€234k▲
Financial income75/76B-€54
Recurring financial income75-€54
Financial charges65/66B€56k€51k▼
Recurring financial charges65€56k€51k▼
Profit (loss) for the period before taxes9903€122k€184k▲
Income taxes67/77€28k€43k▲
Profit (loss) for the period9904€95k€141k▲
Profit (loss) for the period to be appropriated9905€95k€141k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€141k▲
Transfer to equity691/2€95k€140k▲
To other reserves6921€95k€140k▲
Profit to be distributed694/7-€1k
Return on contributions (dividend)694-€1k
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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €240k ▲140%
2 profitable years in a row build equity to €240k.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated 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, Hasselt · 1 establishment unit since 2023
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.
Genkersteenweg 4083500 HasseltGround area
1,486 m²
Building footprint
135 m²
Volume, LiDAR
785 m³
Parcel 71322B0221/00Z000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KREPHI
since 20232.344.356.970
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71322B0221/00Z000 | Flanders | 1,486 m² | 1 · 135 m² | 9.6 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.
Similar companies · same sector, comparable size
DIALOG SERVICES BELUX
BE 0636.971.779
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ABERON IT
BE 0644.605.085
Roeselare · Eq €240k
DIOFANTIS
BE 0464.670.481
Knokke-Heist · Eq €240k
JAG2 Solutions
BE 0545.926.193
Genk · Eq €240k
TEXAFE
BE 0859.996.060
Sint-Pieters-Woluwe · Eq €239k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 14,299 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2023
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.