KUNI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €133k and a net result of €69k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 57% of 8018 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
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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 31-12-2025 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
23 d early
2023
9 d early
2022
24 d early
2021
11 d early
2020
15 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€133k=
2024 · €133k
2020: €133k
2021: €227k
2022: €288k
2023: €315k
2024: €133k
2020 → 2025
Net result
€69k▼ 18.6%
2024 · €85k
2020: €132k
2021: €95k
2022: €61k
2023: €28k
2024: €85k
2020 → 2025
Total assets
€222k▼ 0.3%
2024 · €223k
2020: €150k
2021: €250k
2022: €293k
2023: €319k
2024: €223k
2020 → 2025
Solvency
59.9%▲ 0.2pp
2024 · 59.8%
2020: 88.9%
2021: 91.1%
2022: 98.2%
2023: 98.7%
2024: 59.8%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€227k-€288k▲ 26.6%€315k▲ 9.3%€133k▼ 57.7%€133k=
Operating result€118k-€77k▼ 35.2%€75k▼ 2.8%€100k▲ 34.4%€89k▼ 10.8%
Net result€95k-€61k▼ 35.4%€28k▼ 54.9%€85k▲ 207%€69k▼ 18.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €222k
Fixed assets
€47k▼ 16.7%
Current assets
€175k▲ 5.3%
Equity and liabilities €222k
Equity
€133k=
Debt
€89k▼ 0.8%
The debt ratio falls from 40.2% to 40.1%. Debt is lower.
Key figures and ratios
Solvency
59.9%▲
2024 · 59.8%
ROE
51.9%▼
2024 · 63.7%
ROA
31.1%▼
2024 · 38.1%
Debt
€89k▼
2024 · €90k
Debt ≤ 1 year
€89k▼
2024 · €90k
Income taxes
€18k▼
2024 · €23k
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€223k€222k▼
Fixed assets21/28€57k€47k▼
Tangible fixed assets22/27€57k€47k▼
Plant, machinery and equipment23€137€0▼
Furniture and vehicles24€8k€6k▼
Other tangible fixed assets26€49k€41k▼
Current assets29/58€166k€175k▲
Amounts receivable after more than one year29€58k€20k▼
Trade receivables290-€20k
Other amounts receivable291€58k-
Amounts receivable within one year40/41€68k€22k▼
Trade receivables40€48k€19k▼
Other amounts receivable41€20k€3k▼
Cash at bank and in hand54/58€39k€132k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€223k€222k▼
Equity10/15€133k€133k=
Contributions10/11€2k€2k=
Reserves13€132k€132k=
Distributable reserves133€132k€132k=
Profit (loss) carried forward14-€0
Amounts payable17/49€90k€89k▼
Amounts payable within one year42/48€90k€89k▼
Trade debts44€83€6k▲
Suppliers440/4€83€6k▲
Taxes, remuneration and social security45€4k€13k▲
Taxes450/3€4k€13k▲
Other amounts payable47/48€86k€70k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€114k€101k▼
Operating profit (loss)9901€100k€89k▼
Financial income75/76B€12k€1k▼
Recurring financial income75€12k€1k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€108k€87k▼
Income taxes67/77€23k€18k▼
Profit (loss) for the period9904€85k€69k▼
Profit (loss) for the period to be appropriated9905€85k€69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€266k€69k▼
Profit (loss) brought forward from the previous period14P€181k€0▼
Profit to be distributed694/7€266k€69k▼
Return on contributions (dividend)694€266k€69k▼
The notes to these accounts (4 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
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €28k ▼54.9%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 5current ratio 46.60
Current ratio from 9.61 to 46.60; short-term debt falls from €22k to €5k.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €227k ▲70.6%
2 profitable years in a row build equity to €227k.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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 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.
Jan Van Asperenpad 612000 AntwerpenGround area
2,968 m²
Building footprint
1,092 m²
2 parcels, Flanders, Wallonia · tallest building 0.1 m. Linked by address, not a title deed.
2 establishment units
KUNI
since 20192.292.213.532
KUNI
since 20202.300.349.852
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3992/00B000 | Flanders | 2,105 m² | 1 · 1,092 m² | 0.1 m |
| 82006A1280/00E000 | Wallonia | 863 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2022 · 1 entry · 237 EUR awarded · 237 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 237 EUR | 237 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900Y0811BCG1CZ960
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,001 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-07-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
78200Temporary employment agencies and other provision of personnel
78300Employment activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.