Checked.be
Active
BE 0442.690.875Public limited company
KRISTIMO
Bist 7a ·2560 Nijlen, Belgium· 35 yrs active
Sector: Renting and operating of own or leased non-residential real estate, excluding land
(68203)
Conclusion
KRISTIMO has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €328k and a net result of €49k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 45% of 4440 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Based on the State Gazette, CBE and 7 annual accounts.
Key figures
| Equity | €328k |
| Net result | €49k |
| Better than sector | 45% |
| Active | 35 yrs |
Financial profile
80
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
75
Solvency
59
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1990, 35 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.
Checked score
86
/ 100
Excellent
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.
Indicative credit limit
€30k
estimate, not credit advice
Score history
33
2018
81
2020
27
2021
35
2022
76
2023
71
2024
86
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.34 (≥ 1.0)
+5
Quick ratio
Quick ratio 1.34 (≥ 1.0)
+5
Profitability
ROE 15% (≥ 10%)
+10
Interest coverage
Interest coverage 4.6× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 29-07-2026 with the NBB · fiscal year 2025 · full schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~6.7%/year over 7 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 68, Real estate activities · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 32.9% | 38.4% | |
| Net result | €49k | €23k | |
| Equity | €328k | €918k | |
| Gross operating margin | €213k | €157k | |
| Total assets | €995k | €3.36M |
€105k
+157.4%
18-25
€49k
+15597.9%
18-25
€68k
+72.0%
18-25
€995k
-3.0%
18-25
€328k
+17.6%
18-25
€174k
+83.0%
18-25
€27k
+641.3%
18-25
€0
-100.0%
18-25
€667k
-10.7%
18-25
€519k
+2.3%
18-25
€130k
-44.3%
18-25
1.34
+12.5%
18-25
1.34
+12.5%
18-25
32.9%
+21.3%
18-25
2.04
-24.1%
18-25
15.0%
+13246.4%
18-25
4.9%
+16085.3%
18-25
4.64
+12.6%
18-25
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
| Fiscal year | 2025 Δ | 2024 Δ | 2023 Δ | 2022 Δ | 2021 Δ |
|---|---|---|---|---|---|
| Deposit | full schema | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - | - |
| EBITDA | +157.4% | -65.2% | - | +59.2% | - |
| Net profit | +15597.9% | -99.6% | - | +36.6% | - |
| Cash flow | +72.0% | -65.5% | - | +70.3% | - |
| Staff costs | - | - | - | - | - |
| Income taxes | +641.3% | -43.0% | - | -100.0% | - |
| Dividends | - | - | - | -100.0% | - |
| Total assets | -3.0% | -8.7% | -5.9% | -3.3% | - |
| Equity | +17.6% | +0.1% | +36.4% | -18.6% | - |
| Debt | -10.7% | -11.6% | -14.6% | +0.6% | - |
| of which ≤ 1y | +2.3% | -11.1% | -16.4% | +8.1% | - |
| of which > 1y | -44.3% | -12.8% | -11.2% | -13.2% | - |
| Working capital | +83.0% | +3.6% | +848.0% | -85.1% | - |
| Employees (FTE) | - | - | - | - | - |
Note: these years are not on the same basis. The filed schemas differ (full schema, abbreviated schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 1.34 | 1.19 | 1.16 | 1.01 | 1.10 |
| Quick ratio | 1.34 | 1.19 | 1.16 | 1.01 | 1.10 |
| Working capital ratio | 17.5% | 9.3% | 8.2% | 0.8% | 5.3% |
| Solvency | 32.9% | 27.2% | 24.8% | 17.1% | 20.3% |
| Debt / equity | 2.04 | 2.68 | 3.04 | 4.85 | 3.92 |
| Long-term debt ratio | 0.40 | 0.84 | 0.96 | 1.48 | 1.38 |
| Interest coverage | 4.64 | 4.13 | 9.97 | -0.82 | -1.98 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 4.9% | 0.0% | 6.6% | -3.9% | -6.0% |
| ROE | 15.0% | 0.1% | 26.7% | -22.9% | -29.4% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €995k | €1.03M | €1.12M | €1.19M | €1.24M |
| Fixed assets | 21/28 | €302k | €424k | €462k | €502k | €539k |
| Tangible fixed assets | 22/27 | €60k | €182k | €220k | €260k | €297k |
| Financial fixed assets | 28 | €242k | €242k | €242k | €242k | €242k |
| Current assets | 29/58 | €693k | €602k | €663k | €692k | €696k |
| Amounts receivable within one year | 40/41 | €581k | €557k | €529k | €671k | €670k |
| Cash & bank | 54/58 | €98k | €31k | €115k | €2k | €8k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €995k | €1.03M | €1.12M | €1.19M | €1.24M |
| Equity | 10/15 | €328k | €279k | €278k | €204k | €251k |
| Contributions / capital | 10/11 | €69k | €69k | €69k | €69k | €69k |
| Reserves | 13 | €259k | €209k | €209k | €156k | €252k |
| Accumulated profits (losses) | 14 | - | - | €0 | €-21k | €-70k |
| Amounts payable | 17/49 | €667k | €747k | €846k | €990k | €984k |
| Amounts payable after one year | 17 | €130k | €233k | €267k | €301k | €347k |
| Amounts payable within one year | 42/48 | €519k | €507k | €571k | €683k | €631k |
| Trade debts payable within one year | 44 | €2k | €2k | €4k | €3k | €1k |
| Income statement | ||||||
| Gross operating margin | 9900 | €213k | €47k | €123k | €-4k | €-18k |
| Operating result | 9901 | €86k | €2k | €77k | €-51k | €-77k |
| Financial income | 75 | €13k | €12k | €16k | €17k | €17k |
| Financial charges | 65 | €23k | €10k | €12k | €13k | €13k |
| Result before taxes | 9903 | €77k | €4k | €81k | €-47k | €-73k |
| Income taxes | 67/77 | €27k | €4k | €7k | €0 | €483 |
| Net result for the period | 9904 | €49k | €313 | €74k | €-47k | €-74k |
| Result to be appropriated | 9905 | €49k | €313 | €74k | €-47k | €-71k |
Directors & mandates
Current directors & mandates
-
Current20-06-2025 → present
2 events
- 20-06-2025 Mandate renewed· Director
- 20-06-2025 Mandate renewed· Managing director
-
Current20-06-2025 → present
Legal Structure
| NACE primary | Renting and operating of own or leased non-residential real estate, excluding land(68203) |
| Legal form | Public limited company(014) |
| Incorporation | 05-12-1990 |
| Status | Active |
| Postal code | 2560 |
Establishment units
Bist 7, 2560 Nijlen
since 19972.301.205.333
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12026A0150/00M000 | Flanders | 727 m² | 1 · 148 m² | 7.8 m · 1 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
14-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director reappointment · Board meeting5 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director reappointment · Board meeting5 facts ▸
- General meeting, 20/06/2025
- Director reappointment, Marina Nijs (bestuurder)
- Director reappointment, Jan Verheyen (bestuurder)
- Board meeting, 20/06/2025
- Director reappointment, Jan Verheyen (gedelegeerd bestuurder)
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €74k
Net result €74k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
2021
31-12
Financial
Weakest financial yearnet €-74k ▼11971%
Net result drops to €-74k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
31-12
Financial
Back to profitnet €621
Net result €621 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.43
Current ratio from 0.65 to 1.43.
31-12
Financial
Equity above €200kEq €415k ▲149%
Equity rises from €167k to €415k.
14-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 75 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
Of the 8 Belgian State Gazette acts we know for this company, 1 has been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Renting and operating of own or leased non-residential real estate, excluding land68203Buying and selling of own real estate68110Business and other management consultancy70200Business consulting70220
Names & trade names
| Legal nameNL | KRISTIMO |
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