KRISMAR
ActiveKRISMAR has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €304k and a net result of €66k. Equity is growing by ~22% per year across the filed fiscal years. Its solvency ranks better than 73% of 11323 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-1
Solvency96▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.62 against 2.77 in 2024; short-term debt: 18% and cash: 23.8% of total assets), and 29% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
71%
Return on assets
15.3%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
9 d early
2023
27 d late
2022
60 d late
2021
117 d late
2020
31 d late
2019
98 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€304k▲ 23.5%
2024 · €246k
2018: €81k
2019: €99k
2020: €120k
2021: €149k
2022: €195k
2023: €222k
2024: €246k
2018 → 2025
Total assets
€429k▲ 30.3%
2024 · €329k
2018: €174k
2019: €161k
2020: €171k
2021: €235k
2022: €326k
2023: €340k
2024: €329k
2018 → 2025
Net result
€66k▲ 21.6%
2024 · €54k
2018: €15k
2019: €19k
2020: €22k
2021: €41k
2022: €72k
2023: €59k
2024: €54k
2018 → 2025
Working capital
€202k▲ 38.7%
2024 · €145k
2018: €17k
2019: €48k
2020: €76k
2021: €115k
2022: €116k
2023: €142k
2024: €145k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€149k-€195k▲ 30.4%€222k▲ 14.1%€246k▲ 11.0%€304k▲ 23.5%
Operating result€60k-€107k▲ 78.1%€99k▼ 7.4%€96k▼ 3.9%€111k▲ 16.7%
Net result€41k-€72k▲ 78.3%€59k▼ 18.0%€54k▼ 9.1%€66k▲ 21.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €429k
Fixed assets
€150k▲ 47.8%
Current assets
€279k▲ 22.5%
Equity and liabilities €429k
Equity
€304k▲ 23.5%
Debt
€124k▲ 50.6%
The debt ratio rises from 25.1% to 29.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€145k▲
2024 · €122k
Cash flow
€99k▲
2024 · €80k
Solvency
71.0%▼
2024 · 74.9%
Current ratio
3.62▲
2024 · 2.77
Quick ratio
2.85▲
2024 · 2.32
Debt / equity
0.41▲
2024 · 0.34
ROE
21.6%▼
2024 · 21.9%
ROA
15.3%▼
2024 · 16.4%
Interest coverage
17.28▲
2024 · 15.73
Debt
€124k▲
2024 · €83k
Debt ≤ 1 year
€77k▼
2024 · €82k
Debt > 1 year
€47k▲
2024 · €590
Income taxes
€38k▲
2024 · €34k
Staff costs
€5k
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€329k€429k▲
Fixed assets21/28€102k€150k▲
Tangible fixed assets22/27€102k€150k▲
Land and buildings22€55k€50k▼
Plant, machinery and equipment23€9k€71k▲
Furniture and vehicles24€37k€29k▼
Current assets29/58€227k€279k▲
Stocks and contracts in progress3€38k€59k▲
Stocks30/36€38k€59k▲
Amounts receivable within one year40/41€62k€105k▲
Trade receivables40€2k€6k▲
Other amounts receivable41€60k€99k▲
Current investments50/53€26k€6k▼
Cash at bank and in hand54/58€95k€102k▲
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€329k€429k▲
Equity10/15€246k€304k▲
Contributions10/11€9k€9k=
Reserves13€238k€296k▲
Tax-exempt reserves132€0-
Distributable reserves133€238k€296k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€83k€124k▲
Amounts payable after more than one year17€590€47k▲
Financial debts170/4€590€47k▲
Amounts payable within one year42/48€82k€77k▼
Current portion of amounts payable after more than one year42€36k€27k▼
Financial debts43-€664
Credit institutions430/8-€664
Trade debts44€11k€42k▲
Suppliers440/4€11k€42k▲
Taxes, remuneration and social security45€14k€4k▼
Taxes450/3€12k€4k▼
Remuneration and social security454/9€2k€82▼
Other amounts payable47/48€21k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€6k€6k▼
Remuneration, social security and pensions62-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€34k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€123k€151k▲
Operating profit (loss)9901€96k€111k▲
Financial income75/76B€196€131▼
Recurring financial income75€196€131▼
Financial charges65/66B€8k€8k▲
Recurring financial charges65€8k€8k▲
Profit (loss) for the period before taxes9903€88k€103k▲
Income taxes67/77€34k€38k▲
Profit (loss) for the period9904€54k€66k▲
Transfer from tax-exempt reserves789€8k€0▼
Profit (loss) for the period to be appropriated9905€62k€66k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€66k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€18k€0▼
Transfer to equity691/2€50k€58k▲
To contributions691€0-
To other reserves6921€50k€58k▲
Profit to be distributed694/7€30k€8k▼
Return on contributions (dividend)694€26k€8k▼
Directors or managers695€4k€0▼
The notes to these accounts (10 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €200kEq €222k ▲14.1%
6 profitable years in a row build equity to €222k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Highest result since 2018net €72k ▲78.3%
Net result €72k, the highest in the series.
31-12
Financial
Equity above €150kEq €195k ▲30.4%
5 profitable years in a row build equity to €195k.
25-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 117 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €100kEq €120k ▲22.1%
3 profitable years in a row build equity to €120k.
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Beersel · 1 establishment unit since 1990
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.
Alsembergsesteenweg 5801653 BeerselGround area
578 m²
Building footprint
100 m²
Volume, LiDAR
848 m³
Parcel 23017D0220/00N002, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Alsembergsesteenweg 580, 1653 Beersel
since 19902.050.580.493
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23017D0220/00N002 | Flanders | 577 m² | 1 · 100 m² | 12.9 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
2023 · 1 entry · 64 EUR awarded · 64 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 64 EUR | 64 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
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Of 584 companies in sector 46496 we hold annual accounts for 384. 277 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-1990
Fiscal year end31-12
Activities, NACEBEL
46496Wholesale trade
51476
96220Beauty care and other beauty treatments
85510Sports and recreation education
92622
92724
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.