Kris De Bock
ActiveSummary
Kris De Bock has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.37M and a net result of €207k. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 87% of 8001 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, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 6.63 against 4.16 in 2024; short-term debt: 10% and cash: 45% of total assets), and 16.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
83.9%
Return on assets
12.7%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 17-04-2026, 105 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
105 d early
2024
108 d early
2023
30 d early
2022
28 d early
2021
30 d early
2020
32 d early
2019
31 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.37M▲ 3.7%
2024 · €1.32M
2018: €355k
2019: €433k
2020: €572k
2021: €651k
2022: €860k
2023: €1.12M
2024: €1.32M
2018 → 2025
Total assets
€1.64M▼ 6.8%
2024 · €1.76M
2018: €903k
2019: €953k
2020: €1.06M
2021: €1.23M
2022: €1.37M
2023: €1.60M
2024: €1.76M
2018 → 2025
Net result
€207k▲ 1.4%
2024 · €205k
2018: €76k
2019: €78k
2020: €139k
2021: €174k
2022: €209k
2023: €257k
2024: €205k
2018 → 2025
Working capital
€924k▲ 3.1%
2024 · €896k
2018: €145k
2019: €239k
2020: €317k
2021: €357k
2022: €459k
2023: €704k
2024: €896k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€651k-€860k▲ 32.2%€1.12M▲ 29.9%€1.32M▲ 18.3%€1.37M▲ 3.7%
Operating result€255k-€302k▲ 18.3%€376k▲ 24.7%€283k▼ 24.7%€286k▲ 1.1%
Net result€174k-€209k▲ 20.3%€257k▲ 22.9%€205k▼ 20.5%€207k▲ 1.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.64M
Fixed assets
€547k ▼ 4.9%
Current assets
€1.09M ▼ 7.8%
Equity and liabilities €1.64M
Equity
€1.37M ▲ 3.7%
Provisions
€21k =
Debt
€243k ▼ 41.0%
Debt's share of the balance-sheet total falls from 23.5% to 14.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€327k▲
2024 · €322k
Cash flow
€248k▲
2024 · €244k
Current ratio
6.63▲
2024 · 4.16
Quick ratio
5.82▲
2024 · 3.62
Debt to equity
0.18▼
2024 · 0.31
ROE
15.1%▼
2024 · 15.5%
ROA
12.7%▲
2024 · 11.7%
Interest coverage
47.13▲
2024 · 39.88
Debt ≤ 1 year
€164k▼
2024 · €284k
Debt > 1 year
€76k▼
2024 · €125k
Income taxes
€77k▼
2024 · €79k
Staff costs
€51k▲
2024 · €42k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.76M€1.64M▼
Fixed assets21/28€575k€547k▼
Tangible fixed assets22/27€575k€547k▼
Land and buildings22€551k€523k▼
Plant, machinery and equipment23€2k€6k▲
Furniture and vehicles24€22k€19k▼
Financial fixed assets28€161€161=
Current assets29/58€1.18M€1.09M▼
Stocks and contracts in progress3€152k€134k▼
Stocks30/36€152k€134k▼
Amounts receivable within one year40/41€316k€195k▼
Trade receivables40€268k€190k▼
Other amounts receivable41€48k€5k▼
Cash at bank and in hand54/58€707k€736k▲
Deferred charges and accrued income490/1€4k€24k▲
Equity and liabilities
Total equity and liabilities10/49€1.76M€1.64M▼
Equity10/15€1.32M€1.37M▲
Contributions10/11€19k€19k=
Reserves13€1.30M€1.35M▲
Tax-exempt reserves132€72k€177k▲
Distributable reserves133€1.23M€1.18M▼
Provisions and deferred taxes16€21k€21k=
Provisions for liabilities and charges160/5€21k€21k=
Pensions and similar obligations160€21k€21k=
Amounts payable17/49€412k€243k▼
Amounts payable after more than one year17€125k€76k▼
Financial debts170/4€125k€76k▼
Amounts payable within one year42/48€284k€164k▼
Current portion of amounts payable after more than one year42€48k€49k▲
Trade debts44€28k€15k▼
Suppliers440/4€28k€15k▼
Taxes, remuneration and social security45€58k€35k▼
Taxes450/3€46k€18k▼
Remuneration and social security454/9€12k€17k▲
Other amounts payable47/48€150k€65k▼
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€42k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€40k▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€370k€383k▲
Operating profit (loss)9901€283k€286k▲
Financial income75/76B€9k€5k▼
Recurring financial income75€9k€5k▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€284k€284k▲
Income taxes67/77€79k€77k▼
Profit (loss) for the period9904€205k€207k▲
Transfer to tax-exempt reserves689€72k€105k▲
Profit (loss) for the period to be appropriated9905€133k€102k▼
Appropriation of the result
Profit (loss) to be appropriated9906€133k€102k▼
Transfer from equity791/2-€158k
Transfer to equity691/2€133k€102k▼
To other reserves6921€133k€102k▼
Profit to be distributed694/7-€158k
Return on contributions (dividend)694-€158k
Social balance
Average headcount (FTE)90870.80.9▲
The notes to these accounts (11 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
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €257k ▲22.9%
Operating result €376k, net result €257k, both a record.
31-12
Financial
Equity above €1MEq €1.12M ▲29.9%
6 profitable years in a row build equity to €1.12M.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €572k ▲32.1%
3 profitable years in a row build equity to €572k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lokeren · 1 establishment unit since 2003
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.
Kraaimeersstraat 169160 LokerenGround area
377 m²
Building footprint
102 m²
Volume, LiDAR
758 m³
Parcel 46014A0614/00C004, Flanders · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kris De Bock
since 20032.133.382.564
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46014A0614/00C004 | Flanders | 377 m² | 1 · 102 m² | 9.4 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
2025 · 1 entry · 165 EUR awarded · 165 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 165 EUR | 165 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,013 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2003
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
46190Agents in non-specialised wholesale trade
25210Manufacture of fabricated metal products, except machinery and equipment
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.krisdebock.be
E-mail:info@krisdebock.be