KROCHMAL & LIEBER
ActiveSummary
KROCHMAL & LIEBER has been active since 1970 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.83M and a net result of €579k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 8048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+81
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500k at 30 days acceptable
Liquidity ample (current ratio 22.07 against 22.79 in 2024; short-term debt: 3.8% and cash: 38.5% of total assets), and 3.8% of the assets are financed with debt.
Credit check 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
96.2%
Return on assets
9.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
69 d early
2023
54 d early
2022
13 d early
2021
53 d early
2020
72 d early
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€5.83M▲ 11.0%
2024 · €5.25M
2018: €4.56Mlowest in 8 years
2019: €4.88M▲ +6.9% vs 2018
2020: €5.01M▲ +2.6% vs 2019
2021: €6.21M▲ +24.0% vs 2020
2022: €6.42M▲ +3.4% vs 2021highest in 8 years
2023: €6.36M▼ -0.9% vs 2022
2024: €5.25M▼ -17.4% vs 2023
2025: €5.83M▲ +11.0% vs 2024
2018 → 2025
Total assets
€6.06M▲ 11.3%
2024 · €5.44M
2018: €9.29Mhighest in 8 years
2019: €6.60M▼ -29.0% vs 2018
2020: €6.15M▼ -6.8% vs 2019
2021: €6.85M▲ +11.5% vs 2020
2022: €6.90M▲ +0.7% vs 2021
2023: €6.63M▼ -3.8% vs 2022
2024: €5.44M▼ -18.0% vs 2023lowest in 8 years
2025: €6.06M▲ +11.3% vs 2024
2018 → 2025
Net result
€579k
2024 · €-1.11M
2018: €622khighest in 8 years
2019: €317k▼ -49.1% vs 2018
2020: €126k▼ -60.2% vs 2019
2021: €505k▲ +300% vs 2020
2022: €212k▼ -57.9% vs 2021
2023: €-58k▼ -127% vs 2022
2024: €-1.11M▼ -1821% vs 2023lowest in 8 years
2025: €579k▲ +152% vs 2024
2018 → 2025
Working capital
€4.83M▲ 14.9%
2024 · €4.21M
2018: €4.41M
2019: €4.79M▲ +8.5% vs 2018
2020: €4.90M▲ +2.3% vs 2019
2021: €5.10M▲ +4.1% vs 2020
2022: €5.33M▲ +4.6% vs 2021highest in 8 years
2023: €5.32M▼ -0.3% vs 2022
2024: €4.21M▼ -20.9% vs 2023lowest in 8 years
2025: €4.83M▲ +14.9% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.21M-€6.42M▲ 3.4%€6.36M▼ 0.9%€5.25M▼ 17.4%€5.83M▲ 11.0%
2021: €6.21M
2022: €6.42M▲ +3.4% vs 2021highest in 5 years
2023: €6.36M▼ -0.9% vs 2022
2024: €5.25M▼ -17.4% vs 2023lowest in 5 years
2025: €5.83M▲ +11.0% vs 2024
Operating result€558k-€246k▼ 56.0%€-36k€-1.10M▼ 2,993%€584k
2021: €558k
2022: €246k▼ -56.0% vs 2021
2023: €-36k▼ -115% vs 2022
2024: €-1.10M▼ -2993% vs 2023lowest in 5 years
2025: €584k▲ +153% vs 2024highest in 5 years
Net result€505k-€212k▼ 57.9%€-58k€-1.11M▼ 1,821%€579k
2021: €505k
2022: €212k▼ -57.9% vs 2021
2023: €-58k▼ -127% vs 2022
2024: €-1.11M▼ -1821% vs 2023lowest in 5 years
2025: €579k▲ +152% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €584k after a loss of €1.10M in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.06M
Fixed assets
€995k ▼ 4.7%
Current assets
€5.06M ▲ 15.1%
Equity and liabilities €6.06M
Equity
€5.83M ▲ 11.0%
Debt
€230k ▲ 18.9%
Debt's share of the balance-sheet total rises from 3.5% to 3.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€601k▲
2024 · €-1.08M
Cash flow
€596k▲
2024 · €-1.08M
Current ratio
22.07▼
2024 · 22.79
Quick ratio
13.35▲
2024 · 11.93
Debt to equity
0.04▲
2024 · 0.04
ROE
9.9%▲
2024 · -21.1%
ROA
9.6%▲
2024 · -20.4%
Interest coverage
111.56▲
2024 · -233.27
Debt ≤ 1 year
€229k▲
2024 · €193k
Income taxes
€3k▲
2024 · €2k
Staff costs
€101k▼
2024 · €149k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.44M€6.06M▲
Fixed assets21/28€1.04M€995k▼
Tangible fixed assets22/27€58k€13k▼
Plant, machinery and equipment23€27k€2k▼
Furniture and vehicles24€31k€11k▼
Financial fixed assets28€986k€982k▼
Current assets29/58€4.40M€5.06M▲
Stocks and contracts in progress3€2.10M€2.00M▼
Stocks30/36€2.10M€2.00M▼
Amounts receivable within one year40/41€507k€710k▲
Trade receivables40€339k€565k▲
Other amounts receivable41€168k€145k▼
Cash at bank and in hand54/58€1.78M€2.34M▲
Deferred charges and accrued income490/1€16k€16k▲
Equity and liabilities
Total equity and liabilities10/49€5.44M€6.06M▲
Equity10/15€5.25M€5.83M▲
Contributions10/11€46k€46k=
Reserves13€5.20M€5.78M▲
Distributable reserves133€5.20M€5.78M▲
Amounts payable17/49€193k€230k▲
Amounts payable within one year42/48€193k€229k▲
Trade debts44€67k€104k▲
Suppliers440/4€67k€104k▲
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€5k€5k▲
Remuneration and social security454/9€7k€10k▲
Other amounts payable47/48€113k€110k▼
Accrued charges and deferred income492/3€112€106▼
Income statement
Code20242025
Remuneration, social security and pensions62€149k€101k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€17k▼
Other operating charges640/8€3k€5k▲
Non-recurring operating charges66A-€33k
Gross operating margin9900€-927k€740k▲
Operating profit (loss)9901€-1.10M€584k▲
Financial income75/76B€891€3k▲
Recurring financial income75€891€3k▲
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€-1.11M€582k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€-1.11M€579k▲
Profit (loss) for the period to be appropriated9905€-1.11M€579k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1.17M€579k▲
Profit (loss) brought forward from the previous period14P€-58k-
Transfer from equity791/2€1.17M-
Transfer to equity691/2-€579k
To other reserves6921-€579k
Social balance
Average headcount (FTE)90873.02.0▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €1k | €3k | €7k | - | - | - |
| Remuneration, social security and pensions62 | €192k | €182k | €255k | €149k | €101k | ▼ 32.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20k | €26k | €23k | €25k | €17k | ▼ 31.6% |
| Other operating charges640/8 | €3k | €4k | €3k | €3k | €5k | ▲ 98.3% |
| Non-recurring operating charges66A | - | - | - | - | €33k | - |
| Gross operating margin9900 | €773k | €458k | €246k | €-927k | €740k | ▲ 180% |
| Operating profit (loss)9901 | €558k | €246k | €-36k | €-1.10M | €584k | ▲ 153% |
| Financial income75/76B | €324k | €811 | €7k | €891 | €3k | ▲ 259% |
| Recurring financial income75 | €324k | €811 | €7k | €891 | €3k | ▲ 259% |
| Financial charges65/66B | €323k | €7k | €27k | €5k | €5k | ▲ 16.5% |
| Recurring financial charges65 | €323k | €7k | €7k | €5k | €5k | ▲ 16.5% |
| Non-recurring financial charges66B | - | - | €20k | - | - | - |
| Profit (loss) for the period before taxes9903 | €559k | €239k | €-55k | €-1.11M | €582k | ▲ 153% |
| Income taxes67/77 | €54k | €27k | €3k | €2k | €3k | ▲ 26.2% |
| Profit (loss) for the period9904 | €505k | €212k | €-58k | €-1.11M | €579k | ▲ 152% |
| Profit (loss) for the period to be appropriated9905 | €505k | €212k | €-58k | €-1.11M | €579k | ▲ 152% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.85M | €6.90M | €6.63M | €5.44M | €6.06M | ▲ 11.3% |
| Fixed assets21/28 | €1.11M | €1.09M | €1.04M | €1.04M | €995k | ▼ 4.7% |
| Tangible fixed assets22/27 | €104k | €81k | €58k | €58k | €13k | ▼ 77.3% |
| Plant, machinery and equipment23 | €22k | €19k | €13k | €27k | €2k | ▼ 92.9% |
| Furniture and vehicles24 | €80k | €61k | €45k | €31k | €11k | ▼ 64.1% |
| Other tangible fixed assets26 | €828 | €495 | €161 | - | - | - |
| Financial fixed assets28 | €1.01M | €1.01M | €986k | €986k | €982k | ▼ 0.5% |
| Current assets29/58 | €5.74M | €5.81M | €5.59M | €4.40M | €5.06M | ▲ 15.1% |
| Stocks and contracts in progress3 | €2.39M | €3.03M | €3.64M | €2.10M | €2.00M | ▼ 4.5% |
| Stocks30/36 | €2.39M | €3.03M | €3.64M | €2.10M | €2.00M | ▼ 4.5% |
| Amounts receivable within one year40/41 | €763k | €768k | €556k | €507k | €710k | ▲ 40.0% |
| Trade receivables40 | €619k | €628k | €402k | €339k | €565k | ▲ 66.6% |
| Other amounts receivable41 | €144k | €140k | €154k | €168k | €145k | ▼ 13.6% |
| Cash at bank and in hand54/58 | €2.55M | €1.97M | €1.35M | €1.78M | €2.34M | ▲ 31.2% |
| Deferred charges and accrued income490/1 | €32k | €42k | €44k | €16k | €16k | ▲ 0.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.85M | €6.90M | €6.63M | €5.44M | €6.06M | ▲ 11.3% |
| Equity10/15 | €6.21M | €6.42M | €6.36M | €5.25M | €5.83M | ▲ 11.0% |
| Contributions10/11 | €46k | €46k | €46k | €46k | €46k | = |
| Reserves13 | €6.16M | €6.37M | €6.37M | €5.20M | €5.78M | ▲ 11.1% |
| Non-distributable reserves130/1 | €5k | €5k | €5k | - | - | - |
| Reserves not available under the articles1311 | €5k | €5k | €5k | - | - | - |
| Distributable reserves133 | €6.16M | €6.37M | €6.37M | €5.20M | €5.78M | ▲ 11.1% |
| Profit (loss) carried forward14 | - | - | €-58k | - | - | - |
| Amounts payable17/49 | €646k | €480k | €274k | €193k | €230k | ▲ 18.9% |
| Amounts payable within one year42/48 | €646k | €479k | €274k | €193k | €229k | ▲ 18.9% |
| Trade debts44 | €370k | €321k | €92k | €67k | €104k | ▲ 54.9% |
| Suppliers440/4 | €370k | €321k | €92k | €67k | €104k | ▲ 54.9% |
| Taxes, remuneration and social security45 | €143k | €35k | €64k | €12k | €16k | ▲ 26.2% |
| Taxes450/3 | €129k | €18k | €26k | €5k | €5k | ▲ 2.9% |
| Remuneration and social security454/9 | €14k | €17k | €39k | €7k | €10k | ▲ 43.4% |
| Other amounts payable47/48 | €133k | €124k | €117k | €113k | €110k | ▼ 3.3% |
| Accrued charges and deferred income492/3 | - | €234 | €899 | €112 | €106 | ▼ 5.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €505k | €212k | €-58k | €-1.11M | €579k | ▲ 152% |
| + Depreciation and write-downs630 | €20k | €26k | €23k | €25k | €17k | ▼ 31.6% |
| Operating cash flow (approximation) | €524k | €239k | €-35k | €-1.08M | €596k | ▲ 155% |
| Investment in fixed assets (approximation) | - | €-4k | €20k | €-25k | €32k | ▲ 230% |
| Change in cash | - | €-584k | €-618k | €430k | €555k | ▲ 29.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €579k
Net result €579k after 2 loss-making years.
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-1.11M
Net result drops to €-1.11M, the lowest in the series; recovery starts the following year.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €5MEq €5.01M ▲2.6%
3 profitable years in a row build equity to €5.01M.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Antwerpen · 2 establishment units since 1970
Ground area
3,269 m²
Building footprint
2,345 m²
Volume, LiDAR
54,627 m³
2 parcels, Flanders · tallest building 41.6 m, ±10 floors. Linked by address, not a title deed.
124
companies at this address
See who is registered here
2 establishment units
KROCHMAL & LIEBER BVBA
since 19702.005.448.571
Krochmal & Lieber bvba
since 20152.246.737.556
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1182/00F018 | Flanders | 2,937 m² | 1 · 2,012 m² | 41.6 m · 10 fl. |
| 11808H1178/00R007 | Flanders | 333 m² | 1 · 333 m² | 17.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 1,229 companies in sector 46861 we hold annual accounts for 678. 350 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-11-1970
Fiscal year end31-12
Activities, NACEBEL 2025
32121Other manufacturing
46861Wholesale of diamonds and other precious stones
Scores and ratios are computed by Checked and are not a credit decision.