Equity
-€24,999
Debts exceed assets in financial year 2025.
KRISTINA
Lifetime
4 annual accounts with figures on one time axispeak €1,054 (2025)
€1,054▲ €1,603
lowest -€16,862 (2022)
-€1,844▲ €1,406
peak -€14,862 (2022)
-€24,999▼ €1,844
€36,005▼ 11.6%
Board2 names since 2021
2 directorsDAMEN Kirsten Petra Maria and 1 other
Owners
60%KAJEN
Documentsfilings and deeds
03-04-2026119 days before the deadline
2025abbreviated format
Gross margin from -€549 to €1,054Loss of €1,844Cash from €3,712 to €2,541
Key points
from the 2025 annual accountsLosses
-€26,999 in four years
Every financial year from 2022 to 2025 closed with a loss. 2022 was the heaviest.
Turnover
≈ €11,000 estimated
The abbreviated format states no turnover.
Debts
€36,005 327% of the balance sheet
Filings
4 annual accounts since 2022
The last four annual accounts were filed 34 to 119 days before the end of the period.
Position in the sector
-227.2%
Lower solvency than 95% of companies in retail trade. Sector median 36.6% · 12,853 companies.
Checked score
53
Fair
Financially stronger than 19% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,271 companies (NACE 47, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.5%highest value
01-2025: 2.5%● unchanged vs 12-2024
02-2025: 2.1%▼ -0.4 percentage points vs 01-2025
03-2025: 2.1%● unchanged vs 02-2025
04-2025: 2.1%● unchanged vs 03-2025
05-2025: 2.2%▲ +0.1 percentage points vs 04-2025
06-2025: 2.2%● unchanged vs 05-2025
07-2025: 1.5%▼ -0.7 percentage points vs 06-2025
08-2025: 1.5%● unchanged vs 07-2025
09-2025: 1.5%● unchanged vs 08-2025
10-2025: 1.5%● unchanged vs 09-2025
11-2025: 1.5%● unchanged vs 10-2025
12-2025: 1.5%● unchanged vs 11-2025
01-2026: 1.4%▼ -0.1 percentage points vs 12-2025
02-2026: 1.4%● unchanged vs 01-2026
03-2026: 1.4%● unchanged vs 02-2026
04-2026: 1.5%▲ +0.1 percentage points vs 03-2026
05-2026: 1.1%▼ -0.4 percentage points vs 04-2026
06-2026: 1.1%● unchanged vs 05-2026
07-2026: 1.0%▼ -0.1 percentage points vs 06-2026
08-2026: 1.0%● unchanged vs 07-2026
09-2026: 1.0%● unchanged vs 08-2026
10-2026: 1.0%● unchanged vs 09-2026lowest value
11-2026: 1.0%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€24,999
Sector: Retail trade (NACE 47)
lowers risk
Size: total assets €11,006
Liquidity: current ratio 0.30, cash €2,541
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 6% of them on solvency, 26% on liquidity, 14% on profitability and 28% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,008 companies had the same profile as KRISTINA has now. Each dot stands for 16 companies, two years later.
83.0%
were still trading
8.4%
stopped another way
7.9%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of KRISTINA itself is lower: 1.0% within 12 months. It rests on far more data about KRISTINA than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,008 companies, not a prediction for KRISTINA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.3 (0.52 in 2024), below 1. Short-term debt is 327.2% and cash 23.1% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€24,999
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 03-04-2026, 119 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
119 days early
2024
43 days early
2023
41 days early
2022
34 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 59 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 June (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0769573254
Incorporation
Founding capital of €2,000, 100 shares · Founders: KAJEN and DAMEN Kirsten Petra Maria · Appointments: DAMEN Kirsten Petra Maria (director) and KAJEN (director) · published on 14-06-2021 · Gazette deed
First establishment
Bouwenstraat 39, Lint
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| KRISTINA Lint | €11,006 | €1,054 | -227.2% | - |
| MY SERIAL Wavre | €11,472 | -€5,388 | -125.9% | - |
| CDH STUDIO Antwerp | €16,464 | -€29,594 | -820.5% | - |
| VanHills Projects Westerlo | €11,335 | -€67,234 | -636.7% | - |
| YOUS AND CO Anderlecht | €13,607 | -€852 | -77.4% | - |
| JAMAIS DEUX SANS TOI Evere | €10,352 | €98 | -439.7% | - |
| BELLELISA Koksijde | €12,234 | -€80,412 | -4008.4% | - |
These companies have the same main activity as KRISTINA: retail sale of women's outerwear (NACE 47711). They are comparable in size and age: total assets between €10,400 and €16,500, founded between 2019 and 2023.
Official details
Source: KBO- Status
- Active since 10-06-2021Normal situation
- Activity
- Retail sale of women's outerwearNACE 47711and 2 others
- Establishment unit
- 2.318.389.5752547 Lint, since 10-06-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 21-05-2025
Annual accounts 2025
- €11,006▼ 37.4%
- Filing
- Filed on 03-04-2026, 119 days before the end of the filing period
Insights on KRISTINA
KRISTINA files the abbreviated format. That format states no turnover. The gross margin rose from -€13,110 in 2022 to €1,054 in 2025.
KAJEN holds 60% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about KRISTINA
- What is the company number of KRISTINA?
- The company number of KRISTINA is 0769.573.254. The VAT number is the same number with BE in front: BE 0769.573.254.
- Where is KRISTINA based?
- The registered office is at Bouwenstraat 39, 2547 Lint.Company details
- What does KRISTINA do?
- According to the KBO register, the main activity is retail sale of women's outerwear (NACE 47711).
- What is the legal form of KRISTINA?
- KRISTINA is a private limited company (BV).
- When was KRISTINA founded?
- KRISTINA was founded on 10-06-2021.
- Is KRISTINA still active?
- Yes, KRISTINA is an active enterprise in the KBO register.
- What is the turnover of KRISTINA?
- The turnover in financial year 2025 is ≈ €11,000. This figure is estimated from the gross margin of €1,054 and 50 comparable companies (NACE 477). It probably lies between €5,600 and €27,000. It is a rough estimate.Financials
- Is KRISTINA profitable?
- In financial year 2025, KRISTINA made a loss of €1,844.
- Where can I find the annual accounts of KRISTINA?
- KRISTINA filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of KRISTINA due?
- KRISTINA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.