KRIVIS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €413k and a net result of €91k. Equity is growing by ~50.4% per year across the filed fiscal years. Its solvency ranks better than 17% of 5523 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 5523 sector peers (2025).
NBB · sector comparisonPosition among 5523 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
21 d early
2023
36 d late
2022
22 d late
2021
34 d early
2020
24 d early
2019
88 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€413k▲ 28.3%
2024 · €322k
2018: €31k
2019: €33k
2020: €41k
2021: €62k
2022: €151k
2023: €238k
2024: €322k
2018 → 2025
Net result
€91k▲ 8.7%
2024 · €84k
2018: €142
2019: €2k
2020: €8k
2021: €61k
2022: €89k
2023: €88k
2024: €84k
2018 → 2025
Total assets
€2.69M▲ 12.7%
2024 · €2.39M
2018: €63k
2019: €126k
2020: €119k
2021: €203k
2022: €232k
2023: €302k
2024: €2.39M
2018 → 2025
Solvency
15.4%▲ 1.9pp
2024 · 13.5%
2018: 49.3%
2019: 26.1%
2020: 34.3%
2021: 30.4%
2022: 65.1%
2023: 79.0%
2024: 13.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€151k▲ 145%€238k▲ 58.3%€322k▲ 35.1%€413k▲ 28.3%
Operating result€79k-€125k▲ 59.2%€117k▼ 6.8%€115k▼ 1.0%€117k▲ 1.3%
Net result€61k-€89k▲ 47.0%€88k▼ 1.4%€84k▼ 4.7%€91k▲ 8.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.69M
Fixed assets
€343k▲ 196%
Current assets
€2.35M▲ 3.4%
Equity and liabilities €2.69M
Equity
€413k▲ 28.3%
Debt
€2.28M▲ 10.3%
The debt ratio falls from 86.5% to 84.6%. Equity and debt are higher.
Key figures and ratios
Solvency
15.4%▲
2024 · 13.5%
ROE
22.0%▼
2024 · 26.0%
ROA
3.4%▼
2024 · 3.5%
Debt
€2.28M▲
2024 · €2.07M
Debt ≤ 1 year
€94k▲
2024 · €36k
Debt > 1 year
€2.13M▲
2024 · €2.00M
Income taxes
€40k▲
2024 · €34k
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€2.39M€2.69M▲
Fixed assets21/28€116k€343k▲
Tangible fixed assets22/27€111k€338k▲
Land and buildings22€111k€109k▼
Furniture and vehicles24-€229k
Financial fixed assets28€5k€5k=
Current assets29/58€2.27M€2.35M▲
Amounts receivable within one year40/41€2.03M€2.07M▲
Other amounts receivable41€2.03M€2.07M▲
Current investments50/53€198k€268k▲
Cash at bank and in hand54/58€42k€10k▼
Deferred charges and accrued income490/1-€517
Equity and liabilities
Total equity and liabilities10/49€2.39M€2.69M▲
Equity10/15€322k€413k▲
Contributions10/11€12k€12k=
Reserves13€291k€378k▲
Distributable reserves133€291k€378k▲
Profit (loss) carried forward14€19k€23k▲
Amounts payable17/49€2.07M€2.28M▲
Amounts payable after more than one year17€2.00M€2.13M▲
Financial debts170/4-€132k
Other amounts payable178/9€2.00M€2.00M=
Amounts payable within one year42/48€36k€94k▲
Current portion of amounts payable after more than one year42-€34k
Trade debts44€14k€13k▼
Suppliers440/4€14k€13k▼
Taxes, remuneration and social security45€16k€21k▲
Taxes450/3€16k€21k▲
Other amounts payable47/48€6k€25k▲
Accrued charges and deferred income492/3€30k€54k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€10k▲
Other operating charges640/8€805€1k▲
Gross operating margin9900€118k€128k▲
Operating profit (loss)9901€115k€117k▲
Financial income75/76B€33k€138k▲
Recurring financial income75€33k€138k▲
Financial charges65/66B€30k€124k▲
Recurring financial charges65€30k€124k▲
Profit (loss) for the period before taxes9903€118k€131k▲
Income taxes67/77€34k€40k▲
Profit (loss) for the period9904€84k€91k▲
Profit (loss) for the period to be appropriated9905€84k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€110k▲
Profit (loss) brought forward from the previous period14P€88€19k▲
Transfer to equity691/2€65k€87k▲
To other reserves6921€65k€87k▲
The notes to these accounts (16 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Highest result since 2018net €91k ▲8.7%
Net result €91k, the highest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 21current ratio 63.06
Current ratio from 2.98 to 63.06; short-term debt falls from €63k to €36k.
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 36 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 2.98
Current ratio from 1.44 to 2.98; short-term debt falls from €81k to €63k.
31-12
Financial
Equity above €200kEq €238k ▲58.3%
6 profitable years in a row build equity to €238k.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 1.44
Current ratio from 0.61 to 1.44; short-term debt falls from €141k to €81k.
31-12
Financial
Equity above €150kEq €151k ▲145%
5 profitable years in a row build equity to €151k.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Wichelen · 1 establishment unit since 1998
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.
Smetledestraat 199260 WichelenGround area
2,413 m²
Building footprint
350 m²
Volume, LiDAR
2,156 m³
Parcel 42020B0507/00R000, Flanders · tallest building 11.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Smetledestraat 19, 9260 Wichelen
since 19982.089.238.260
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42020B0507/00R000 | Flanders | 2,413 m² | 1 · 350 m² | 11.9 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,724 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-1998
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.