Summary
KRISKARILLY 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 €584k and a net result of €-123k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 67% of 8048 sector peers (fiscal year 2025). The company has been active since 1991 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
18 d late
2024
31 d early
2023
6 d early
2022
5 d early
2021
4 d early
2020
12 d late
2019
24 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€584k▼ 17.4%
2024 · €707k
2018: €191k
2019: €187k▼ -2.0% vs 2018
2020: €196k▲ +4.8% vs 2019
2021: €196k▲ +0.2% vs 2020
2022: €184k▼ -6.1% vs 2021lowest in 8 years
2023: €187k▲ +1.7% vs 2022
2024: €707k▲ +277% vs 2023highest in 8 years
2025: €584k▼ -17.4% vs 2024
2018 → 2025
Net result
€-123k
2024 · €519k
2018: €276
2019: €-4k▼ -1517% vs 2018
2020: €9k▲ +329% vs 2019
2021: €372▼ -95.8% vs 2020
2022: €-12k▼ -3337% vs 2021
2023: €3k▲ +127% vs 2022
2024: €519k▲ +16135% vs 2023highest in 8 years
2025: €-123k▼ -124% vs 2024lowest in 8 years
2018 → 2025
Total assets
€829k▼ 5.8%
2024 · €880k
2018: €191k
2019: €239k▲ +25.3% vs 2018
2020: €196k▼ -18.1% vs 2019
2021: €196k▲ +0.2% vs 2020
2022: €184k▼ -6.1% vs 2021lowest in 8 years
2023: €187k▲ +1.7% vs 2022
2024: €880k▲ +370% vs 2023highest in 8 years
2025: €829k▼ -5.8% vs 2024
2018 → 2025
Solvency
70.5%▼ 9.9pp
2024 · 80.3%
2018: 100.0%highest in 8 years
2019: 78.2%▼ -21.8% vs 2018
2020: 100.0%▲ +27.9% vs 2019highest in 8 years
2021: 100.0%● 0.0% vs 2020highest in 8 years
2022: 100.0%● 0.0% vs 2021highest in 8 years
2023: 100.0%● 0.0% vs 2022highest in 8 years
2024: 80.3%▼ -19.7% vs 2023
2025: 70.5%▼ -12.3% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€196k-€184k▼ 6.1%€187k▲ 1.7%€707k▲ 277%€584k▼ 17.4%
2021: €196k
2022: €184k▼ -6.1% vs 2021lowest in 5 years
2023: €187k▲ +1.7% vs 2022
2024: €707k▲ +277% vs 2023highest in 5 years
2025: €584k▼ -17.4% vs 2024
Operating result€395-€-11k€3k€692k▲ 21,380%€-132k
2021: €395
2022: €-11k▼ -2772% vs 2021
2023: €3k▲ +131% vs 2022
2024: €692k▲ +21380% vs 2023highest in 5 years
2025: €-132k▼ -119% vs 2024lowest in 5 years
Net result€372-€-12k€3k€519k▲ 16,135%€-123k
2021: €372
2022: €-12k▼ -3337% vs 2021
2023: €3k▲ +127% vs 2022
2024: €519k▲ +16135% vs 2023highest in 5 years
2025: €-123k▼ -124% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €132k after €692k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €829k
Fixed assets
€434k ▲ 913%
Current assets
€395k ▼ 52.8%
Equity and liabilities €829k
Equity
€584k
Provisions
€171k
Debt
€74k
Debt finances 8.9% of the balance-sheet total.
Key figures and ratios
ROE
-21.0%▼
2024 · 73.5%
ROA
-14.8%▼
2024 · 59.0%
Debt ≤ 1 year
€74k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€880k€829k▼
Fixed assets21/28€43k€434k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€43k€434k▲
Land and buildings22€43k€434k▲
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€0€0=
Other tangible fixed assets26€0€0=
Financial fixed assets28€167€167=
Current assets29/58€837k€395k▼
Stocks and contracts in progress3-€116k
Stocks30/36-€116k
Amounts receivable within one year40/41€125k-
Other amounts receivable41€125k-
Current investments50/53€650k€250k▼
Cash at bank and in hand54/58€62k€29k▼
Equity and liabilities
Total equity and liabilities10/49€880k€829k▼
Equity10/15€707k€584k▼
Contributions10/11€46k€46k=
Reserves13€669k€662k▼
Tax-exempt reserves132€519k€512k▼
Distributable reserves133€150k€150k=
Profit (loss) carried forward14€-8k€-124k▼
Provisions and deferred taxes16€173k€171k▼
Deferred taxes168€173k€171k▼
Amounts payable17/49-€74k
Amounts payable within one year42/48-€74k
Other amounts payable47/48-€74k
Income statement
Code20242025
Non-recurring operating income76A€692k-
Goods, raw materials, services and sundry goods60/61€23k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€11k
Other operating charges640/8€3k€8k▲
Gross operating margin9900€696k€-112k▼
Operating profit (loss)9901€692k€-132k▼
Financial income75/76B-€6k
Recurring financial income75-€6k
Financial charges65/66B€29€30▲
Recurring financial charges65€29€30▲
Profit (loss) for the period before taxes9903€692k€-125k▼
Transfer from deferred taxes780-€2k
Transfer to deferred taxes680€173k-
Profit (loss) for the period9904€519k€-123k▼
Transfer from tax-exempt reserves789-€7k
Transfer to tax-exempt reserves689€519k-
Profit (loss) for the period to be appropriated9905€575€-116k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-124k▼
Profit (loss) brought forward from the previous period14P€-9k€-8k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €692k | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €23k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €11k | €11k | - | €11k | - |
| Other operating charges640/8 | €459 | €460 | €499 | €3k | €8k | ▲ 135% |
| Non-recurring operating charges66A | - | - | €10k | - | - | - |
| Gross operating margin9900 | €12k | €679 | €24k | €696k | €-112k | ▼ 116% |
| Operating profit (loss)9901 | €395 | €-11k | €3k | €692k | €-132k | ▼ 119% |
| Financial income75/76B | - | - | - | - | €6k | - |
| Recurring financial income75 | - | - | - | - | €6k | - |
| Financial charges65/66B | €23 | €24 | €24 | €29 | €30 | ▲ 5.3% |
| Recurring financial charges65 | €23 | €24 | €24 | €29 | €30 | ▲ 5.3% |
| Profit (loss) for the period before taxes9903 | €372 | €-11k | €3k | €692k | €-125k | ▼ 118% |
| Transfer from deferred taxes780 | - | - | - | - | €2k | - |
| Transfer to deferred taxes680 | - | - | - | €173k | - | - |
| Income taxes67/77 | - | €1k | - | - | - | - |
| Profit (loss) for the period9904 | €372 | €-12k | €3k | €519k | €-123k | ▼ 124% |
| Transfer from tax-exempt reserves789 | - | - | - | - | €7k | - |
| Transfer to tax-exempt reserves689 | - | - | - | €519k | - | - |
| Profit (loss) for the period to be appropriated9905 | €372 | €-12k | €3k | €575 | €-116k | ▼ 20,277% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €196k | €184k | €187k | €880k | €829k | ▼ 5.8% |
| Fixed assets21/28 | €178k | €168k | €157k | €43k | €434k | ▲ 913% |
| Intangible fixed assets21 | - | - | - | €0 | €0 | - |
| Tangible fixed assets22/27 | €178k | €167k | €157k | €43k | €434k | ▲ 917% |
| Land and buildings22 | €178k | €167k | €157k | €43k | €434k | ▲ 917% |
| Plant, machinery and equipment23 | - | - | - | €0 | €0 | - |
| Furniture and vehicles24 | - | - | - | €0 | €0 | - |
| Other tangible fixed assets26 | - | - | - | €0 | €0 | - |
| Financial fixed assets28 | €167 | €167 | €167 | €167 | €167 | = |
| Current assets29/58 | €18k | €17k | €30k | €837k | €395k | ▼ 52.8% |
| Stocks and contracts in progress3 | - | - | - | - | €116k | - |
| Stocks30/36 | - | - | - | - | €116k | - |
| Amounts receivable within one year40/41 | - | - | - | €125k | - | - |
| Other amounts receivable41 | - | - | - | €125k | - | - |
| Current investments50/53 | - | - | - | €650k | €250k | ▼ 61.5% |
| Cash at bank and in hand54/58 | €2k | €7k | €30k | €62k | €29k | ▼ 53.2% |
| Deferred charges and accrued income490/1 | €16k | €10k | €135 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €196k | €184k | €187k | €880k | €829k | ▼ 5.8% |
| Equity10/15 | €196k | €184k | €187k | €707k | €584k | ▼ 17.4% |
| Contributions10/11 | €46k | €46k | €46k | €46k | €46k | = |
| Capital10 | €46k | €46k | - | - | - | - |
| Issued capital100 | €46k | €46k | - | - | - | - |
| Reserves13 | €150k | €150k | €150k | €669k | €662k | ▼ 1.0% |
| Non-distributable reserves130/1 | €5k | €5k | - | - | - | - |
| Legal reserve130 | €5k | €5k | - | - | - | - |
| Tax-exempt reserves132 | - | - | - | €519k | €512k | ▼ 1.3% |
| Distributable reserves133 | €146k | €146k | €150k | €150k | €150k | = |
| Profit (loss) carried forward14 | - | €-12k | €-9k | €-8k | €-124k | ▼ 1,405% |
| Provisions and deferred taxes16 | - | - | - | €173k | €171k | ▼ 1.3% |
| Deferred taxes168 | - | - | - | €173k | €171k | ▼ 1.3% |
| Amounts payable17/49 | - | - | - | - | €74k | - |
| Amounts payable within one year42/48 | - | - | - | - | €74k | - |
| Other amounts payable47/48 | - | - | - | - | €74k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €372 | €-12k | €3k | €519k | €-123k | ▼ 124% |
| + Depreciation and write-downs630 | €11k | €11k | €11k | - | €11k | - |
| Operating cash flow (approximation) | €11k | €-1k | €14k | €519k | €-112k | ▼ 121% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €114k | €-402k | ▼ 453% |
| Change in cash | - | €5k | €24k | €32k | €-33k | ▼ 204% |
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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Weakest financial yearnet €-123k
Net result drops to €-123k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €519k ▲16,135%
Operating result €692k, net result €519k, both a record.
31-12
Financial
Equity above €500kEq €707k ▲277%
2 profitable years in a row build equity to €707k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
Show earlier events
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Oostende · 1 establishment unit since 1992
Ground area
242 m²
Building footprint
264 m²
Volume, LiDAR
6,776 m³
Parcel 35013A0569/00F008, Flanders · tallest building 33.8 m, ±9 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Albert I-Promenade 3, 8400 Oostende
since 19922.055.229.466
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A0569/00F008 | Flanders | 242 m² | 1 · 264 m² | 33.8 m · 9 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,503 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-10-1991
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.