KRISTINA

Active

Private limited companyfounded 20215 yrs activeBouwenstraat 39, 2547 Lint, BelgiumKBO/BCE: BE 0769.573.254

Summary

The computed 12-month bankruptcy probability of KRISTINA is 3.5% (moderate). The 2025 annual accounts show negative equity (€-25k) and a net result of €-2k. Equity is shrinking by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 10359 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

23 / 100

Critical

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability2▲+2

Solvency0=

Growth58=

Track record94

Bankruptcy probability, 12 months

3.5% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.3 against 0.52 in 2024; short-term debt: 327.2% and cash: 23.1% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2025

Solvency, return and age of the figures

Solvency

-227.2%

Return on assets

-16.8%

Age of the figures

9 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

22232425

2022 to 2025 · latest year €-25k

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 filings

Deviation from the deadline

2025

119 d early

2024

43 d early

2023

41 d early

2022

34 d early

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€-25k▼ 8.0%

2024 · €-23k

2022: €-15k 2023: €-20k 2024: €-23k

2022 → 2025

Total assets

€11k▼ 37.4%

2024 · €18k

2022: €40k 2023: €31k 2024: €18k

2022 → 2025

Net result

€-2k▲ 43.3%

2024 · €-3k

2022: €-17k 2023: €-5k 2024: €-3k

2022 → 2025

Working capital

€-25k▼ 63.9%

2024 · €-15k

2022: €3k 2023: €-5k 2024: €-15k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€-15k-€-20k▼ 33.9%€-23k▼ 16.3%€-25k▼ 8.0%

Operating result€-15k-€-3k▲ 81.1%€-2k▲ 41.3%€-98▲ 94.0%

Net result€-17k-€-5k▲ 70.1%€-3k▲ 35.6%€-2k▲ 43.3%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €98 in 2025 against €2k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €11k

96.9%

Fixed assets €339 ▼ 62.1%

Current assets €11k ▼ 36.0%

Key figures and ratios

2025 value · change against 2024

EBITDA

€459▲

2024 · €-1k

Cash flow

€-1k▲

2024 · €-3k

Solvency

-227.2%▼

2024 · -131.8%

Current ratio

0.30▼

2024 · 0.52

Quick ratio

0.11▼

2024 · 0.28

Debt to equity

-1.44▲

2024 · -1.76

ROA

-16.8%▲

2024 · -18.5%

Interest coverage

0.26▲

2024 · -0.67

Debt

€36k▼

2024 · €41k

Debt ≤ 1 year

€36k▲

2024 · €32k

Debt > 1 year

€0▼

2024 · €6k

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 · 2025 against 2024 · 41 lines

Balance sheet Code20242025

Assets

Total assets20/58€18k€11k▼

Fixed assets21/28€896€339▼

Intangible fixed assets21€208€91▼

Tangible fixed assets22/27€689€249▼

Furniture and vehicles24€689€249▼

Current assets29/58€17k€11k▼

Stocks and contracts in progress3€8k€7k▼

Stocks30/36€8k€7k▼

Amounts receivable within one year40/41€503€676▲

Trade receivables40€503€489▼

Other amounts receivable41-€187

Cash at bank and in hand54/58€4k€3k▼

Deferred charges and accrued income490/1€5k€695▼

Equity and liabilities

Total equity and liabilities10/49€18k€11k▼

Equity10/15€-23k€-25k▼

Contributions10/11€2k€2k=

Profit (loss) carried forward14€-25k€-27k▼

Amounts payable17/49€41k€36k▼

Amounts payable after more than one year17€6k€0▼

Financial debts170/4€6k€0▼

Amounts payable within one year42/48€32k€36k▲

Current portion of amounts payable after more than one year42€8k€6k▼

Trade debts44€4k€7k▲

Suppliers440/4€4k€7k▲

Taxes, remuneration and social security45€580€0▼

Taxes450/3€580€0▼

Other amounts payable47/48€19k€23k▲

Accrued charges and deferred income492/3€2k€0▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€511€557▲

Other operating charges640/8€580€595▲

Gross operating margin9900€-549€1k▲

Operating profit (loss)9901€-2k€-98▲

Financial income75/76B€70€3▼

Recurring financial income75€70€3▼

Financial charges65/66B€2k€2k▲

Recurring financial charges65€2k€2k▲

Profit (loss) for the period before taxes9903€-3k€-2k▲

Profit (loss) for the period9904€-3k€-2k▲

Profit (loss) for the period to be appropriated9905€-3k€-2k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-25k€-27k▼

Profit (loss) brought forward from the previous period14P€-22k€-25k▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

03-04

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

18-06

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

20-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

27-06

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

NBB filing

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, Lint · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Bouwenstraat 392547 Lint

Ground area

1,054 m²

Building footprint

166 m²

Volume, LiDAR

839 m³

Parcel 11025D0386/00G000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

KRISTINA

Bouwenstraat 39, 2547 LintAgents in the wholesale of textiles, clothing, fur, footwear and leather goods

since 20212.318.389.575

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11025D0386/00G000	Flanders	1,054 m²	1 · 166 m²	8.7 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 · 48 EUR awarded · 48 EUR paid

Year	Entries	awarded	paid
2022	1	48 EUR	48 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 48 EUR · 48 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 2,210 companies in sector 47711 we hold annual accounts for 888. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded10-06-2021

Fiscal year end31-12

Activities, NACEBEL 2025

47711Retail sale of women's outerwear

47715Retail trade

70200Business and other management consultancy

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.