KTO.hold
ActiveKTO.hold has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €202k and a net result of €27k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability83▼-17
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 6.21 against 4.43 in 2023; short-term debt: 14% and cash: 69.8% of total assets), and 14.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
1 d early
2022
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€202k▲ 15.7%
2023 · €175k
2022: €116k
2023: €175k
2022 → 2024
Total assets
€236k▲ 9.9%
2023 · €215k
2022: €170k
2023: €215k
2022 → 2024
Net result
€27k▼ 53.5%
2023 · €59k
2022: €50k
2023: €59k
2022 → 2024
Working capital
€172k▲ 27.2%
2023 · €135k
2022: €111k
2023: €135k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€116k-€175k▲ 50.8%€202k▲ 15.7%
Operating result€150k-€73k▼ 51.1%€36k▼ 50.9%
Net result€50k-€59k▲ 18.2%€27k▼ 53.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 51% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €236k
Fixed assets
€31k▼ 23.2%
Current assets
€205k▲ 17.4%
Equity and liabilities €236k
Equity
€202k▲ 15.7%
Debt
€33k▼ 15.9%
The debt ratio falls from 18.5% to 14.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46k▼
2023 · €81k
Cash flow
€37k▼
2023 · €66k
Solvency
85.9%▲
2023 · 81.5%
Current ratio
6.21▲
2023 · 4.43
Quick ratio
6.21▲
2023 · 4.43
Debt / equity
0.16▼
2023 · 0.23
ROE
13.6%▼
2023 · 33.7%
ROA
11.6%▼
2023 · 27.5%
Interest coverage
64.59▼
2023 · 732981.82
Debt
€33k▼
2023 · €40k
Debt ≤ 1 year
€33k▼
2023 · €39k
Income taxes
€8k▼
2023 · €14k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€215k€236k▲
Fixed assets21/28€40k€31k▼
Tangible fixed assets22/27€40k€31k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€35k€27k▼
Current assets29/58€175k€205k▲
Amounts receivable within one year40/41€50k€37k▼
Trade receivables40€50k€25k▼
Other amounts receivable41€673€12k▲
Cash at bank and in hand54/58€121k€165k▲
Deferred charges and accrued income490/1€4k€4k=
Equity and liabilities
Total equity and liabilities10/49€215k€236k▲
Equity10/15€175k€202k▲
Contributions10/11€3k€3k=
Reserves13€113k€113k=
Tax-exempt reserves132€63k€63k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€59k€87k▲
Amounts payable17/49€40k€33k▼
Amounts payable within one year42/48€39k€33k▼
Trade debts44€266€15k▲
Suppliers440/4€266€15k▲
Taxes, remuneration and social security45€33k€12k▼
Taxes450/3€27k€12k▼
Remuneration and social security454/9€6k€0▼
Other amounts payable47/48€6k€6k▼
Accrued charges and deferred income492/3€156€303▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€670€694▲
Gross operating margin9900€81k€46k▼
Operating profit (loss)9901€73k€36k▼
Financial charges65/66B€0€709▲
Recurring financial charges65€0€709▲
Profit (loss) for the period before taxes9903€73k€35k▼
Income taxes67/77€14k€8k▼
Profit (loss) for the period9904€59k€27k▼
Profit (loss) for the period to be appropriated9905€59k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€87k▲
Profit (loss) brought forward from the previous period14P€88€59k▲
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
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €27k ▼53.5%
Net result drops to €27k, the lowest in the series.
31-12
Financial
Equity above €200kEq €202k ▲15.7%
3 profitable years in a row build equity to €202k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €59k ▲18.2%
Net result €59k, the highest in the series.
31-12
Financial
Equity above €150kEq €175k ▲50.8%
2 profitable years in a row build equity to €175k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Koksijde · 1 establishment unit since 2021
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.
Frans Van Immerseelstraat(Odk) 2a8670 KoksijdeGround area
1,294 m²
Building footprint
218 m²
Volume, LiDAR
1,259 m³
Parcel 38502E0081/00B000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KTO.hold
since 20212.324.200.469
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502E0081/00B000 | Flanders | 1,294 m² | 1 · 218 m² | 9.6 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.
Similar companies · same sector, comparable size
Tiloma
BE 0831.009.589
Lokeren · Eq €202k
INNOWAVE
BE 0847.304.995
Kortrijk · Eq €202k
ARJO
BE 0825.894.028
Aalst · Eq €202k
STEFIMAT
BE 0479.705.976
Kampenhout · Eq €203k
VIRTUAL RESONANCE
BE 0478.901.371
Watermaal-Bosvoorde · Eq €202k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,022 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.