KRISMA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of KRISMA is 1.2% (low). The 2025 annual accounts show equity of €494k and a net result of €75k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 43 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 91% of 43 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	08-06-2026	53 d early	2026-00144382
31-12-2024	31-07-2025	24-06-2025	37 d early	2025-00182871
31-12-2023	31-07-2024	27-06-2024	34 d early	2024-00201976
31-12-2022	31-07-2023	25-08-2023	25 d late	2023-00363004
31-12-2021	31-07-2022	12-08-2022	12 d late	2022-20287405
31-12-2020	31-07-2021	20-08-2021	20 d late	2021-51400013
31-12-2019	31-07-2020	24-08-2020	24 d late	2020-45800463
31-12-2018	31-07-2019	22-07-2019	9 d early	2019-36600508
31-12-2017	31-07-2018	28-08-2018	28 d late	2018-53500409
31-12-2016	31-07-2017	30-08-2017	30 d late	2017-55400554

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 2002, 24 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.2% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€75k+37.0%

Working capital€321k+17.0%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 08-06-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~7.5%/year over 8 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 53 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	85.9%	31.6%	better than 91% of 43 sector peers
Net result	€75k	€13k	better than 95% of 42 sector peers
Equity	€494k	€44k	better than 95% of 43 sector peers
Gross operating margin	€215k	€48k	better than 82% of 42 sector peers
Total assets	€575k	€118k	better than 95% of 43 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P91

Stable position over 2020-2025 · n=43-255

Net result P95

Stable position over 2020-2025 · n=42-255

Equity P95

Stable position over 2020-2025 · n=43-255

Gross operating margin P82

Stable position over 2020-2025 · n=42-254

Describes the position versus peers, not a forecast.

EBITDA

€129k

+26.3% 18-25

Net profit

€75k

+37.0% 18-25

Cash flow

€117k

+43.6% 18-25

Total assets

€575k

+22.6% 18-25

Equity

€494k

+10.2% 18-25

Working capital

€321k

+17.0% 18-25

Employees (FTE)

2

+5.0% 18-25

Staff costs

€80k

+0.7% 18-25

Show 11 other metrics

Income taxes

€27k

-0.1% 18-25

Debt

€81k

+291.0% 18-25

Debt ≤ 1y

€41k

+102.1% 18-25

Debt > 1y

€40k

+15756.0% 18-25

Current ratio

8.77

-39.2% 18-25

Quick ratio

8.77

-39.2% 18-25

Solvency

85.9%

-10.1% 18-25

Debt / equity

0.16

+254.8% 18-25

ROE

15.1%

+24.3% 18-25

ROA

13.0%

+11.7% 18-25

Interest coverage

29.40

-22.9% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€129k
Net profit	€75k
Cash flow	€117k
Staff costs	€80k
Income taxes	€27k
Dividends	-
Total assets	€575k
Equity	€494k
Debt	€81k
of which ≤ 1y	€41k
of which > 1y	€40k
Working capital	€321k
Employees (FTE)	2.1

Ratios (computed)

	2025
Current ratio	8.77
Quick ratio	8.77
Working capital ratio	55.9%
Solvency	85.9%
Debt / equity	0.16
Long-term debt ratio	0.08
Interest coverage	29.40
Gross margin	-
Net margin	-
ROA	13.0%
ROE	15.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €212k · 36.9% Current assets €363k · 63.1%

Equity & liabilities

Equity €494k · 85.9% Debt €81k · 14.1%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€575k
Fixed assets	21/28	€212k
Tangible fixed assets	22/27	€209k
Financial fixed assets	28	€3k
Current assets	29/58	€363k
Amounts receivable within one year	40/41	€64k
Investments	50/53	€112k
Cash & bank	54/58	€183k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€575k
Equity	10/15	€494k
Contributions / capital	10/11	€19k
Reserves	13	€475k
Amounts payable	17/49	€81k
Amounts payable after one year	17	€40k
Amounts payable within one year	42/48	€41k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€215k
Operating result	9901	€86k
Financial income	75	€19k
Financial charges	65	€4k
Result before taxes	9903	€101k
Income taxes	67/77	€27k
Net result for the period	9904	€75k
Result to be appropriated	9905	€60k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Dorpsstraat 4 A1731 Asse

Establishment units

1 location

Dorpsstraat 4, 1731 Asse

Koeriers, exclusief de nationale posterijen

since 20022.114.946.230

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area582 m²

Buildings1

Building footprint199 m²

Volume (LiDAR)1,056 m³

Tallest building7.2 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23068B0093/00L002	Flanders	582 m²	1 · 199 m²	7.2 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.