KroCo&Co
ActiveThe computed 12-month bankruptcy probability of KroCo&Co is 2.1% (moderate). The 2025 annual accounts show equity of €31k and a net result of €-6k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 18237 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▼-23
Solvency89▼-6
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 1.93 in 2024; short-term debt: 36% and cash: 29.5% of total assets), and 36% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · 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 →
raises risk · 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 2025Solvency, return and age of the figures
Solvency
64%
Return on assets
-12.2%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
15 d early
2022
25 d late
2021
19 d late
2020
31 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, micro schema
Equity
€31k▼ 16.0%
2024 · €37k
2020: €35k
2021: €40k
2022: €47k
2023: €37k
2024: €37k
2020 → 2025
Total assets
€49k▼ 8.6%
2024 · €54k
2020: €103k
2021: €85k
2022: €84k
2023: €66k
2024: €54k
2020 → 2025
Net result
€-6k
2024 · €613
2020: €29k
2021: €6k
2022: €6k
2023: €-10k
2024: €613
2020 → 2025
Working capital
€18k▲ 17.4%
2024 · €15k
2020: €1k
2021: €13k
2022: €11k
2023: €-2k
2024: €15k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€47k▲ 16.1%€37k▼ 21.4%€37k▲ 1.7%€31k▼ 16.0%
Operating result€10k-€10k▲ 2.3%€-6k€1k€-5k
Net result€6k-€6k▲ 14.4%€-10k€613€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€14k▼ 38.8%
Current assets
€35k▲ 12.9%
Equity and liabilities €49k
Equity
€31k▼ 16.0%
Debt
€18k▲ 8.6%
The debt ratio rises from 30.3% to 36.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4k▼
2024 · €18k
Cash flow
€3k▼
2024 · €18k
Solvency
64.0%▼
2024 · 69.7%
Current ratio
2.01▲
2024 · 1.93
Quick ratio
1.05▲
2024 · 0.88
Debt / equity
0.56▲
2024 · 0.44
ROE
-19.1%▼
2024 · 1.6%
ROA
-12.2%▼
2024 · 1.1%
Interest coverage
5.18▼
2024 · 23.84
Debt
€18k▲
2024 · €16k
Debt ≤ 1 year
€18k▲
2024 · €16k
Income taxes
€437▲
2024 · €412
Staff costs
€840▲
2024 · €120
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€54k€49k▼
Fixed assets21/28€22k€14k▼
Tangible fixed assets22/27€22k€14k▼
Plant, machinery and equipment23€22k€14k▼
Furniture and vehicles24€432-
Current assets29/58€31k€35k▲
Stocks and contracts in progress3€17k€17k▼
Stocks30/36€17k€17k▼
Amounts receivable within one year40/41-€4k
Trade receivables40-€4k
Other amounts receivable41-€63
Cash at bank and in hand54/58€14k€14k▲
Equity and liabilities
Total equity and liabilities10/49€54k€49k▼
Equity10/15€37k€31k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€31k€25k▼
Amounts payable17/49€16k€18k▲
Amounts payable within one year42/48€16k€18k▲
Current portion of amounts payable after more than one year42€564-
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€3k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€11k€11k▲
Income statement
Code20242025
Remuneration, social security and pensions62€120€840▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€9k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€19k€6k▼
Operating profit (loss)9901€1k€-5k▼
Financial income75/76B€730€57▼
Recurring financial income75€730€57▼
Financial charges65/66B€761€720▼
Recurring financial charges65€761€720▼
Profit (loss) for the period before taxes9903€1k€-6k▼
Income taxes67/77€412€437▲
Profit (loss) for the period9904€613€-6k▼
Profit (loss) for the period to be appropriated9905€613€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€25k▼
Profit (loss) brought forward from the previous period14P€31k€31k▲
The notes to these accounts (6 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €613
Net result €613 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.93
Current ratio from 0.93 to 1.93; short-term debt falls from €29k to €16k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-10k ▼255%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Libin · 1 establishment unit since 2019
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.
Rue Paul-Dubois 866890 LibinGround area
2,486 m²
Building footprint
230 m²
Volume, LiDAR
894 m³
Parcel 84035B0846/00N000, Wallonia · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
L'Atelier du Fer
since 20192.288.891.875
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84035B0846/00N000 | Wallonia | 2,485 m² | 1 · 230 m² | 5.2 m · 1 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 4,245 companies in sector 47789 we hold annual accounts for 1,020. 714 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2019
Fiscal year end31-12
Activities, NACEBEL
47789Other retail sale of new goods
25999Manufacture of fabricated metal products, except machinery and equipment
47793Retail sale of other second-hand goods, excluding clothing
74104Other professional, scientific and technical activities
74130Interior design
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.