KUBISK
ActiveKUBISK has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88k and a net result of €26k. Equity is growing by ~28.8% per year across the filed fiscal years. Its solvency ranks better than 81% of 9380 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+14
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 5.08 against 9.36 in 2024), and 17.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
82.6%
Return on assets
24.6%
Age of the figures
8 mo
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
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
17 d early
2023
34 d early
2022
20 d early
2021
26 d early
2020
26 d early
2019
9 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€88k▼ 7.2%
2024 · €95k
2018: €16k
2019: €26k
2020: €37k
2021: €40k
2022: €51k
2023: €78k
2024: €95k
2018 → 2025
Total assets
€106k▲ 1.6%
2024 · €105k
2018: €60k
2019: €54k
2020: €57k
2021: €63k
2022: €67k
2023: €92k
2024: €105k
2018 → 2025
Net result
€26k▲ 60.8%
2024 · €16k
2018: €2k
2019: €10k
2020: €10k
2021: €13k
2022: €16k
2023: €30k
2024: €16k
2018 → 2025
Working capital
€75k▼ 8.9%
2024 · €83k
2018: €9k
2019: €14k
2020: €26k
2021: €39k
2022: €51k
2023: €72k
2024: €83k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€51k▲ 29.8%€78k▲ 52.8%€95k▲ 20.7%€88k▼ 7.2%
Operating result€20k-€24k▲ 22.1%€42k▲ 74.8%€27k▼ 37.3%€37k▲ 40.3%
Net result€13k-€16k▲ 29.3%€30k▲ 82.0%€16k▼ 45.4%€26k▲ 60.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 40% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€13k▲ 3.9%
Current assets
€94k▲ 1.3%
Equity and liabilities €106k
Equity
€88k▼ 7.2%
Debt
€18k▲ 84.1%
The debt ratio rises from 9.6% to 17.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€40k▲
2024 · €28k
Cash flow
€29k▲
2024 · €18k
Solvency
82.6%▼
2024 · 90.4%
Current ratio
5.08▼
2024 · 9.36
Quick ratio
5.08▼
2024 · 9.36
Debt / equity
0.21▲
2024 · 0.11
ROE
29.7%▲
2024 · 17.2%
ROA
24.6%▲
2024 · 15.5%
Interest coverage
89.31▲
2024 · 61.65
Debt
€18k▲
2024 · €10k
Debt ≤ 1 year
€18k▲
2024 · €10k
Income taxes
€11k▲
2024 · €10k
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€105k€106k▲
Fixed assets21/28€12k€13k▲
Tangible fixed assets22/27€12k€13k▲
Furniture and vehicles24€12k€13k▲
Current assets29/58€93k€94k▲
Amounts receivable within one year40/41€30k€26k▼
Trade receivables40€21k€26k▲
Other amounts receivable41€9k€2▼
Current investments50/53-€40k
Cash at bank and in hand54/58€63k€25k▼
Deferred charges and accrued income490/1€0€2k▲
Equity and liabilities
Total equity and liabilities10/49€105k€106k▲
Equity10/15€95k€88k▼
Reserves13€95k€88k▼
Tax-exempt reserves132€204€204=
Distributable reserves133€94k€88k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€10k€18k▲
Amounts payable within one year42/48€10k€18k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€6k€12k▲
Taxes450/3€3k€9k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€33€649▲
Accrued charges and deferred income492/3€138€0▼
Income statement
Code20242025
Non-recurring operating income76A€351€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€460€5k▲
Gross operating margin9900€29k€45k▲
Operating profit (loss)9901€27k€37k▲
Financial income75/76B€1€380▲
Recurring financial income75€1€380▲
Financial charges65/66B€460€447▼
Recurring financial charges65€460€447▼
Profit (loss) for the period before taxes9903€26k€37k▲
Income taxes67/77€10k€11k▲
Profit (loss) for the period9904€16k€26k▲
Profit (loss) for the period to be appropriated9905€16k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€26k▲
Transfer from equity791/2€0€33k▲
Transfer to equity691/2€16k€26k▲
To other reserves6921€16k€26k▲
Profit to be distributed694/7€0€33k▲
Return on contributions (dividend)694€0€33k▲
The notes to these accounts (5 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €30k ▲82%
Operating result €42k, net result €30k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Lier · 1 establishment unit since 2012
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.
Sint-Annastraat 842500 LierGround area
344 m²
Building footprint
113 m²
Volume, LiDAR
737 m³
Parcel 12393F0079/00R000, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Annastraat 84, 2500 Lier
since 20122.212.051.742
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393F0079/00R000 | Flanders | 344 m² | 1 · 113 m² | 11.3 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 223 EUR awarded · 223 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 167 EUR | 167 EUR |
| 2023 | 1 | 56 EUR | 56 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,505 companies in sector 71121 we hold annual accounts for 6,524. 5,173 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2012
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
43211General electrical installation work
43212Electrical installation work in industrial facilities
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.