KUPANDA CONSULTING
ActiveSummary
KUPANDA CONSULTING has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €41k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency43▼-57
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 3.91 in 2024; short-term debt: 82.2% and cash: 98.5% of total assets), and 82.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
17.8%
Return on assets
49.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 22%
← weakest
strongest →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
18 d early
2024
23 d early
2023
23 d early
2022
26 d early
2021
3 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▼ 81.4%
2024 · €79k
2021: €12k
2022: €4k
2023: €52k
2024: €79k
2021 → 2025
Total assets
€82k▼ 22.3%
2024 · €106k
2021: €85k
2022: €69k
2023: €84k
2024: €106k
2021 → 2025
Net result
€41k▼ 28.0%
2024 · €56k
2021: €49k
2022: €27k
2023: €58k
2024: €56k
2021 → 2025
Working capital
€14k▼ 82.5%
2024 · €78k
2021: €12k
2022: €3k
2023: €51k
2024: €78k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€4k▼ 63.7%€52k▲ 1,078%€79k▲ 50.4%€15k▼ 81.4%
Operating result€62k-€34k▼ 44.7%€74k▲ 116%€72k▼ 2.8%€50k▼ 31.1%
Net result€49k-€27k▼ 44.8%€58k▲ 113%€56k▼ 2.7%€41k▼ 28.0%
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; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82k
Fixed assets
€981 ▲ 51.6%
Current assets
€81k ▼ 22.7%
Equity and liabilities €82k
Equity
€15k ▼ 81.4%
Debt
€68k ▲ 151%
Debt's share of the balance-sheet total rises from 25.4% to 82.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€50k▼
2024 · €72k
Cash flow
€41k▼
2024 · €57k
Current ratio
1.20▼
2024 · 3.91
Debt to equity
4.62▲
2024 · 0.34
ROE
277.7%▲
2024 · 71.6%
ROA
49.4%▼
2024 · 53.4%
Interest coverage
159.28▲
2024 · 157.25
Debt ≤ 1 year
€68k▲
2024 · €27k
Income taxes
€9k▼
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€106k€82k▼
Fixed assets21/28€647€981▲
Tangible fixed assets22/27€647€981▲
Plant, machinery and equipment23€647€368▼
Furniture and vehicles24-€613
Current assets29/58€105k€81k▼
Amounts receivable within one year40/41€34k-
Trade receivables40€27k-
Other amounts receivable41€7k-
Cash at bank and in hand54/58€71k€81k▲
Deferred charges and accrued income490/1€288€288▲
Equity and liabilities
Total equity and liabilities10/49€106k€82k▼
Equity10/15€79k€15k▼
Contributions10/11€6k€6k=
Reserves13-€9k
Distributable reserves133-€9k
Profit (loss) carried forward14€73k-
Amounts payable17/49€27k€68k▲
Amounts payable within one year42/48€27k€68k▲
Trade debts44€904€781▼
Suppliers440/4€904€781▼
Taxes, remuneration and social security45€26k€19k▼
Taxes450/3€26k€19k▼
Other amounts payable47/48-€47k
Income statement
Code20242025
Remuneration, social security and pensions62€937-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€279€316▲
Other operating charges640/8€63-
Gross operating margin9900€73k€50k▼
Operating profit (loss)9901€72k€50k▼
Financial income75/76B€498€138▼
Recurring financial income75€498€138▼
Financial charges65/66B€459€313▼
Recurring financial charges65€459€313▼
Profit (loss) for the period before taxes9903€72k€49k▼
Income taxes67/77€16k€9k▼
Profit (loss) for the period9904€56k€41k▼
Profit (loss) for the period to be appropriated9905€56k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€103k€113k▲
Profit (loss) brought forward from the previous period14P€46k€73k▲
Transfer to equity691/2-€9k
To other reserves6921-€9k
Profit to be distributed694/7€30k€105k▲
Return on contributions (dividend)694€30k€105k▲
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €58k ▲113%
Operating result €74k, net result €58k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.62
Current ratio from 1.05 to 2.62; short-term debt falls from €64k to €32k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €27k ▼44.8%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 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, Leuven · 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.
Noormannenstraat 773000 LeuvenGround area
150 m²
Building footprint
65 m²
Volume, LiDAR
368 m³
Parcel 24505F0074/00L000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KUPANDA CONSULTING
since 20212.316.328.425
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24505F0074/00L000 | Flanders | 150 m² | 1 · 64 m² | 10.7 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
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 27,223 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.