KUNZEA
ActiveKUNZEA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €29k. Equity is shrinking by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 28% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
63
/ 100
Healthy▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency32▲+15
Growth32=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.64 against 0.64 in 2024), and 73.8% 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.
−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
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
26.2%
Return on assets
32.8%
Age of the figures
8 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 14-04-2026, 108 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
108 d early
2024
30 d early
2023
22 d early
2022
14 d early
2021
2 d late
2020
29 d early
2019
20 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 3.4%
2024 · €24k
2019: €65k
2020: €119k
2021: €192k
2022: €24k
2023: €25k
2024: €24k
2019 → 2025
Total assets
€89k▼ 25.1%
2024 · €119k
2019: €83k
2020: €136k
2021: €201k
2022: €232k
2023: €189k
2024: €119k
2019 → 2025
Net result
€29k▲ 22.8%
2024 · €24k
2019: €58k
2020: €55k
2021: €60k
2022: €43k
2023: €41k
2024: €24k
2019 → 2025
Working capital
€-23k▲ 18.0%
2024 · €-29k
2019: €62k
2020: €101k
2021: €162k
2022: €-39k
2023: €-26k
2024: €-29k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€192k-€24k▼ 87.2%€25k▲ 3.7%€24k▼ 4.8%€23k▼ 3.4%
Operating result€75k-€54k▼ 27.6%€57k▲ 5.3%€34k▼ 41.4%€42k▲ 25.0%
Net result€60k-€43k▼ 28.3%€41k▼ 4.6%€24k▼ 41.9%€29k▲ 22.8%
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 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€47k▼ 31.8%
Current assets
€42k▼ 15.9%
Equity and liabilities €89k
Equity
€23k▼ 3.4%
Debt
€66k▼ 30.6%
The debt ratio falls from 79.7% to 73.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€62k▲
2024 · €56k
Cash flow
€49k▲
2024 · €46k
Solvency
26.2%▲
2024 · 20.3%
Current ratio
0.64▲
2024 · 0.64
Quick ratio
0.64▲
2024 · 0.64
Debt / equity
2.81▼
2024 · 3.92
ROE
125.2%▲
2024 · 98.5%
ROA
32.8%▲
2024 · 20.0%
Interest coverage
62.68▲
2024 · 36.17
Debt
€66k▼
2024 · €95k
Debt ≤ 1 year
€66k▼
2024 · €79k
Income taxes
€12k▲
2024 · €9k
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€119k€89k▼
Fixed assets21/28€68k€47k▼
Tangible fixed assets22/27€68k€47k▼
Plant, machinery and equipment23€1k€4k▲
Furniture and vehicles24€67k€43k▼
Current assets29/58€50k€42k▼
Amounts receivable within one year40/41€9k€16k▲
Trade receivables40-€15k
Other amounts receivable41€9k€694▼
Cash at bank and in hand54/58€36k€26k▼
Deferred charges and accrued income490/1€6k€654▼
Equity and liabilities
Total equity and liabilities10/49€119k€89k▼
Equity10/15€24k€23k▼
Contributions10/11€19k€19k=
Reserves13€4k€4k=
Tax-exempt reserves132€4k€4k=
Profit (loss) carried forward14€1k€342▼
Amounts payable17/49€95k€66k▼
Amounts payable after more than one year17€16k-
Financial debts170/4€16k-
Amounts payable within one year42/48€79k€66k▼
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€649€1k▲
Suppliers440/4€649€1k▲
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€56k€42k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€20k▼
Gross operating margin9900€56k€62k▲
Operating profit (loss)9901€34k€42k▲
Financial income75/76B€412€107▼
Recurring financial income75€412€107▼
Financial charges65/66B€2k€991▼
Recurring financial charges65€2k€991▼
Profit (loss) for the period before taxes9903€32k€41k▲
Income taxes67/77€9k€12k▲
Profit (loss) for the period9904€24k€29k▲
Profit (loss) for the period to be appropriated9905€24k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€30k▲
Profit (loss) brought forward from the previous period14P€2k€1k▼
Profit to be distributed694/7€25k€30k▲
Return on contributions (dividend)694€25k€30k▲
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
2026
14-04
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
Weakest financial yearnet €24k ▼41.9%
Net result drops to €24k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
31-12
Financial
Highest result since 2019net €60k ▲9.2%
Operating result €75k, net result €60k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 21.58
Current ratio from 7.41 to 21.58; short-term debt falls from €16k to €8k.
31-12
Financial
Equity above €150kEq €192k ▲60.4%
3 profitable years in a row build equity to €192k.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €119k ▲84.6%
2 profitable years in a row build equity to €119k.
11-07
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Oudergem
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.
Tedescolaan 261160 OudergemGround area
693 m²
Building footprint
693 m²
Volume, LiDAR
9,349 m³
Parcel 21332B0491/00A008, Brussels · tallest building 18.0 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332B0491/00A008 | Brussels | 693 m² | 1 · 693 m² | 18.0 m · 5 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
A&B Logistics
BE 0766.318.113
Sint-Jans-Molenbeek · Eq €23k
BOBHI
BE 0668.797.182
Antwerpen · Eq €23k
2H Center
BE 0789.363.234
Anderlecht · Eq €23k
DEMEESTER & PARTNERS CONSULTING
BE 0459.522.652
Kortenberg · Eq €23k
ECONSPHERE SRL
BE 1025.037.305
Sint-Jans-Molenbeek · Eq €23k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 32,071 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.