KROFF FINANCIAL CORPORATION has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €10.92M and a net result of €670k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 91% of 8663 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 19-12-2025, 163 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
163 d early
2024
180 d early
2023
163 d early
2022
172 d early
2021
181 d early
2020
161 d early
2019
163 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-10-2026 and is due by 31-05-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-10-2026 close31-05-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€10.92M▲ 5.6%
2024 · €10.34M
2018: €7.48M
2019: €7.55M
2020: €7.64M
2021: €7.76M
2022: €9.53M
2023: €10.21M
2024: €10.34M
2018 → 2025
Total assets
€11.59M▲ 7.2%
2024 · €10.82M
2018: €8.20M
2019: €8.20M
2020: €8.47M
2021: €8.43M
2022: €10.22M
2023: €10.84M
2024: €10.82M
2018 → 2025
Net result
€670k▲ 189%
2024 · €232k
2018: €246k
2019: €148k
2020: €164k
2021: €195k
2022: €1.87M
2023: €771k
2024: €232k
2018 → 2025
Working capital
€-201k▲ 29.7%
2024 · €-286k
2018: €-14k
2019: €-203k
2020: €-497k
2021: €-218k
2022: €-322k
2023: €-264k
2024: €-286k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7.76M-€9.53M▲ 22.9%€10.21M▲ 7.1%€10.34M▲ 1.3%€10.92M▲ 5.6%
Operating result€104k-€97k▼ 6.5%€96k▼ 0.8%€100k▲ 3.5%€114k▲ 14.1%
Net result€195k-€1.87M▲ 859%€771k▼ 58.9%€232k▼ 69.9%€670k▲ 189%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.59M
Fixed assets
€11.17M▲ 3.7%
Current assets
€423k▲ 798%
Equity and liabilities €11.59M
Equity
€10.92M▲ 5.6%
Debt
€676k▲ 43.1%
The debt ratio rises from 4.4% to 5.8%. Equity and debt are higher.
Key figures and ratios
Solvency
94.2%▼
2024 · 95.6%
ROE
6.1%▲
2024 · 2.2%
ROA
5.8%▲
2024 · 2.1%
Debt
€676k▲
2024 · €472k
Debt ≤ 1 year
€624k▲
2024 · €333k
Debt > 1 year
€52k▼
2024 · €139k
Income taxes
€91k▲
2024 · €47k
Staff costs
€76k▲
2024 · €74k
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€10.82M€11.59M▲
Fixed assets21/28€10.77M€11.17M▲
Tangible fixed assets22/27€506k€491k▼
Land and buildings22€503k€489k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€10.26M€10.68M▲
Current assets29/58€47k€423k▲
Amounts receivable within one year40/41€2k€306k▲
Trade receivables40€158€554▲
Other amounts receivable41€2k€305k▲
Current investments50/53-€65k
Cash at bank and in hand54/58€45k€52k▲
Equity and liabilities
Total equity and liabilities10/49€10.82M€11.59M▲
Equity10/15€10.34M€10.92M▲
Contributions10/11€3.00M€3.00M=
Capital10€3.00M€3.00M=
Issued capital100€3.00M€3.00M=
Reserves13€2.10M€2.70M▲
Non-distributable reserves130/1€300k€300k=
Legal reserve130€300k€300k=
Distributable reserves133€1.80M€2.40M▲
Profit (loss) carried forward14€5.24M€5.22M▼
Amounts payable17/49€472k€676k▲
Amounts payable after more than one year17€139k€52k▼
Financial debts170/4€139k€52k▼
Amounts payable within one year42/48€333k€624k▲
Current portion of amounts payable after more than one year42€86k€87k▲
Financial debts43€126k€371k▲
Other loans439€126k€371k▲
Trade debts44€347€99▼
Suppliers440/4€347€99▼
Taxes, remuneration and social security45€25k€70k▲
Taxes450/3€21k€70k▲
Remuneration and social security454/9€4k-
Other amounts payable47/48€96k€96k=
Income statement
Code20242025
Remuneration, social security and pensions62€74k€76k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€15k▼
Other operating charges640/8€5k€3k▼
Gross operating margin9900€197k€208k▲
Operating profit (loss)9901€100k€114k▲
Financial income75/76B€187k€655k▲
Recurring financial income75€187k€654k▲
Non-recurring financial income76B-€913
Financial charges65/66B€8k€8k▲
Recurring financial charges65€8k€8k▲
Profit (loss) for the period before taxes9903€279k€761k▲
Income taxes67/77€47k€91k▲
Profit (loss) for the period9904€232k€670k▲
Profit (loss) for the period to be appropriated9905€232k€670k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5.54M€5.91M▲
Profit (loss) brought forward from the previous period14P€5.31M€5.24M▼
Transfer to equity691/2€200k€600k▲
To other reserves6921€200k€600k▲
Profit to be distributed694/7€96k€96k=
Return on contributions (dividend)694€96k€96k=
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (9 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
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
02-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-10
Financial
Equity above €10MEq €10.21M ▲7.1%
6 profitable years in a row build equity to €10.21M.
2022
10-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-10
Financial
Highest result since 2018net €1.87M ▲859%
Net result €1.87M, the highest in the series.
2021
01-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
31-10
Financial
Weakest financial yearnet €148k ▼40.1%
Net result drops to €148k, the lowest in the series; recovery starts the following year.
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
10-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-01
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.
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, Roosdaal · 1 establishment unit since 1995
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.
Herststraat 251761 RoosdaalGround area
2,538 m²
Building footprint
408 m²
Volume, LiDAR
2,322 m³
Parcel 23011C0391/00C000, Flanders · tallest building 12.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Herststraat 25, 1761 Roosdaal
since 19952.070.008.209
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23011C0391/00C000 | Flanders | 2,538 m² | 1 · 408 m² | 12.8 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 82,569 companies in sector 70200 we hold annual accounts for 52,577. 6,366 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-01-1995
Fiscal year end31-10
Abbreviation NL
K.F.C. of KROFF
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
74142
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.