Kristal Hooradvies
ActiveSummary
Kristal Hooradvies has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2k and a net result of €11k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 14% of 11615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+99
Solvency35▲+35
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
9.9%
Return on assets
69.9%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 11615 sector peers (2024).
NBB · sector comparisonPosition among 11615 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
12 d late
2022
13 d early
2021
16 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€2k
2023 · €-9k
2021: €-6k
2022: €-8k
2023: €-9k
2021 → 2024
Total assets
€15k▲ 137%
2023 · €6k
2021: €10k
2022: €9k
2023: €6k
2021 → 2024
Net result
€11k
2023 · €-1k
2021: €-8k
2022: €-2k
2023: €-1k
2021 → 2024
Working capital
€7k
2023 · €-2k
2021: €5k
2022: €979
2023: €-2k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€-6k-€-8k▼ 36.1%€-9k▼ 14.6%€2k
Operating result€-8k-€-2k▲ 74.6%€-978▲ 51.0%€11k
Net result€-8k-€-2k▲ 73.1%€-1k▲ 44.8%€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €11k after a loss of €978 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €15k
Fixed assets
€1k ▼ 50.0%
Current assets
€14k ▲ 222%
Equity and liabilities €15k
Equity
€2k
Debt
€14k
Debt finances 90.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€12k▲
2023 · €31
Cash flow
€12k▲
2023 · €-163
Current ratio
1.86▲
2023 · 0.68
Debt to equity
9.15▲
2023 · -1.70
ROE
709.7%
ROA
69.9%▲
2023 · -18.2%
Interest coverage
101.64▲
2023 · 0.16
Debt ≤ 1 year
€8k▲
2023 · €7k
Debt > 1 year
€6k▼
2023 · €9k
Income taxes
€237
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 · 2024 against 2023 · 36 lines
Balance sheet
Code20232024
Assets
Total assets20/58€6k€15k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Current assets29/58€4k€14k▲
Amounts receivable within one year40/41€914€2k▲
Trade receivables40€726€1k▲
Other amounts receivable41€188€644▲
Cash at bank and in hand54/58€4k€12k▲
Equity and liabilities
Total equity and liabilities10/49€6k€15k▲
Equity10/15€-9k€2k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-11k€-495▲
Amounts payable17/49€16k€14k▼
Amounts payable after more than one year17€9k€6k▼
Financial debts170/4€9k€6k▼
Amounts payable within one year42/48€7k€8k▲
Trade debts44€14-
Suppliers440/4€14-
Taxes, remuneration and social security45-€237
Taxes450/3-€237
Other amounts payable47/48€7k€7k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€173€287▲
Gross operating margin9900€204€12k▲
Operating profit (loss)9901€-978€11k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€194€118▼
Recurring financial charges65€194€118▼
Profit (loss) for the period before taxes9903€-1k€11k▲
Income taxes67/77-€237
Profit (loss) for the period9904€-1k€11k▲
Profit (loss) for the period to be appropriated9905€-1k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-495▲
Profit (loss) brought forward from the previous period14P€-10k€-11k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.86
Current ratio from 0.68 to 1.86.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
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, Lokeren · 1 establishment unit since 2021
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.
Sterrestraat 1539160 LokerenGround area
165 m²
Building footprint
89 m²
Volume, LiDAR
515 m³
Parcel 46384C1160/00B006, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kristal Hooradvies
since 20212.313.140.390
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46384C1160/00B006 | Flanders | 165 m² | 1 · 89 m² | 9.4 m · 2 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
2022 · 1 entry · 294 EUR awarded · 294 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 294 EUR | 294 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,145 companies in sector 71209 we hold annual accounts for 1,086. 140 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
Founded12-02-2021
Fiscal year end31-12
Abbreviation NL
Kristal
Activities, NACEBEL 2025
71209Other technical testing and analysis
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.kristalhooradvies.be
E-mail:info@kristalhooradvies.be