KRIS BEHEER 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 €822k and a net result of €60k. Equity is shrinking by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 79% of 5511 sector peers (fiscal year 2025). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
1 d early
2022
4 d early
2021
2 d early
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€822k▼ 6.0%
2024 · €874k
2019: €980k
2020: €980k
2021: €910k
2022: €919k
2023: €770k
2024: €874k
2019 → 2025
Net result
€60k▼ 42.7%
2024 · €104k
2019: €67k
2020: €-71k
2021: €-71k
2022: €14k
2023: €18k
2024: €104k
2019 → 2025
Total assets
€986k▲ 3.4%
2024 · €953k
2019: €1.04M
2020: €1.04M
2021: €956k
2022: €952k
2023: €804k
2024: €953k
2019 → 2025
Solvency
83.4%▼ 8.3pp
2024 · 91.7%
2019: 94.7%
2020: 94.7%
2021: 95.2%
2022: 96.6%
2023: 95.7%
2024: 91.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€910k-€919k▲ 1.1%€770k▼ 16.3%€874k▲ 13.5%€822k▼ 6.0%
Operating result€-38k-€15k€14k▼ 5.0%€39k▲ 181%€90k▲ 128%
Net result€-71k-€14k€18k▲ 33.1%€104k▲ 469%€60k▼ 42.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 128% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €986k
Fixed assets
€200k▼ 0.5%
Current assets
€785k▲ 4.5%
Equity and liabilities €986k
Equity
€822k▼ 6.0%
Debt
€164k▲ 107%
The debt ratio rises from 8.3% to 16.6%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
83.4%▼
2024 · 91.7%
ROE
7.3%▼
2024 · 11.9%
ROA
6.1%▼
2024 · 10.9%
Debt
€164k▲
2024 · €79k
Debt ≤ 1 year
€159k▲
2024 · €74k
Income taxes
€33k▼
2024 · €49k
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€953k€986k▲
Fixed assets21/28€201k€200k▼
Tangible fixed assets22/27€201k€200k▼
Land and buildings22€201k€200k▼
Furniture and vehicles24€17-
Current assets29/58€752k€785k▲
Amounts receivable within one year40/41€8k€13k▲
Trade receivables40€8k€13k▲
Current investments50/53€664k€726k▲
Cash at bank and in hand54/58€79k€44k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€953k€986k▲
Equity10/15€874k€822k▼
Contributions10/11€35k€35k=
Revaluation surpluses12€50k€50k=
Reserves13€790k€738k▼
Distributable reserves133€790k€738k▼
Amounts payable17/49€79k€164k▲
Amounts payable within one year42/48€74k€159k▲
Trade debts44€4k€783▼
Suppliers440/4€4k€783▼
Taxes, remuneration and social security45€53k€37k▼
Taxes450/3€53k€37k▼
Other amounts payable47/48€17k€121k▲
Accrued charges and deferred income492/3€5k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€1k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-29k-
Other operating charges640/8€45k€19k▼
Gross operating margin9900€62k€110k▲
Operating profit (loss)9901€39k€90k▲
Financial income75/76B€114k€9k▼
Recurring financial income75€114k€9k▼
Financial charges65/66B€93€7k▲
Recurring financial charges65€93€7k▲
Profit (loss) for the period before taxes9903€153k€93k▼
Income taxes67/77€49k€33k▼
Profit (loss) for the period9904€104k€60k▼
Profit (loss) for the period to be appropriated9905€104k€60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€333k€60k▼
Profit (loss) brought forward from the previous period14P€228k-
Transfer from equity791/2-€112k
Transfer to equity691/2€333k€60k▼
To other reserves6921€333k€60k▼
Profit to be distributed694/7-€112k
Return on contributions (dividend)694-€112k
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
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Highest result since 2019net €104k ▲469%
Net result €104k, the highest in the series.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
25-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
24-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 1994
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.
Kruibekestraat 1309150 Beveren-Kruibeke-ZwijndrechtGround area
2,708 m²
Building footprint
352 m²
Volume, LiDAR
1,492 m³
Parcel 46001A0110/00S000, Flanders · tallest building 13.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KRIS BEHEER
since 19942.300.973.226
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46001A0110/00S000 | Flanders | 2,708 m² | 1 · 352 m² | 13.1 m · 1 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
Legal Entity Identifier
894500QS61MRP2B59Y24
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,759. 13,116 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-04-1994
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.