KURUMA
ActiveKURUMA has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €7k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 25% of 11195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▲+72
Solvency16▼-8
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.96 against 1.44 in 2024), and 91.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
8.7%
Return on assets
1.3%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 11195 sector peers (2025).
NBB · sector comparisonPosition among 11195 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
14 d late
2024
21 d late
2023
21 d late
2022
22 d late
2021
23 d late
2020
30 d late
2019
19 d late
← 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
€48k▲ 16.9%
2024 · €41k
2018: €70k
2019: €74k
2020: €85k
2021: €91k
2022: €109k
2023: €82k
2024: €41k
2018 → 2025
Total assets
€556k▼ 47.5%
2024 · €1.06M
2018: €2.54M
2019: €2.65M
2020: €1.90M
2021: €768k
2022: €842k
2023: €873k
2024: €1.06M
2018 → 2025
Net result
€7k
2024 · €-41k
2018: €-699
2019: €4k
2020: €11k
2021: €6k
2022: €18k
2023: €-28k
2024: €-41k
2018 → 2025
Working capital
€-22k
2024 · €288k
2018: €1.91M
2019: €2.07M
2020: €1.31M
2021: €284k
2022: €181k
2023: €109k
2024: €288k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€109k▲ 20.2%€82k▼ 25.1%€41k▼ 49.5%€48k▲ 16.9%
Operating result€19k-€25k▲ 34.8%€-15k€-27k▼ 78.4%€29k
Net result€6k-€18k▲ 189%€-28k€-41k▼ 47.3%€7k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €29k after a loss of €27k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €556k
Fixed assets
€72k▼ 39.1%
Current assets
€484k▼ 48.5%
Equity and liabilities €556k
Equity
€48k▲ 16.9%
Debt
€508k▼ 50.1%
The debt ratio falls from 96.1% to 91.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€42k▲
2024 · €-5k
Cash flow
€21k▲
2024 · €-19k
Solvency
8.7%▲
2024 · 3.9%
Current ratio
0.96▼
2024 · 1.44
Quick ratio
0.01▼
2024 · 0.01
Debt / equity
10.52▼
2024 · 24.63
ROE
14.4%▲
2024 · -98.0%
ROA
1.3%▲
2024 · -3.8%
Interest coverage
4.76▲
2024 · -0.46
Debt
€508k▼
2024 · €1.02M
Debt ≤ 1 year
€506k▼
2024 · €653k
Debt > 1 year
€2k▼
2024 · €365k
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€1.06M€556k▼
Fixed assets21/28€119k€72k▼
Tangible fixed assets22/27€119k€72k▼
Land and buildings22€69k€66k▼
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€46k€5k▼
Current assets29/58€941k€484k▼
Stocks and contracts in progress3€933k€480k▼
Stocks30/36€933k€480k▼
Cash at bank and in hand54/58€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.06M€556k▼
Equity10/15€41k€48k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€23k€30k▲
Amounts payable17/49€1.02M€508k▼
Amounts payable after more than one year17€365k€2k▼
Financial debts170/4€365k€2k▼
Amounts payable within one year42/48€653k€506k▼
Taxes, remuneration and social security45€661€6k▲
Taxes450/3€661€6k▲
Other amounts payable47/48€653k€501k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€14k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-4k€44k▲
Operating profit (loss)9901€-27k€29k▲
Financial charges65/66B€11k€22k▲
Recurring financial charges65€11k€9k▼
Non-recurring financial charges66B-€13k
Profit (loss) for the period before taxes9903€-38k€7k▲
Income taxes67/77€2k-
Profit (loss) for the period9904€-41k€7k▲
Profit (loss) for the period to be appropriated9905€-41k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€30k▲
Profit (loss) brought forward from the previous period14P€63k€23k▼
The notes to these accounts (7 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Weakest financial yearnet €-41k
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Highest result since 2018net €18k ▲189%
Net result €18k, the highest in the series.
31-12
Financial
Equity above €100kEq €109k ▲20.2%
4 profitable years in a row build equity to €109k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 19 days late
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 14 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Lier · 2 establishment units since 2002
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.
Antwerpsesteenweg 4572500 LierGround area
3,163 m²
Building footprint
399 m²
2 parcels, Flanders. Linked by address, not a title deed.
2 establishment units
Antwerpsesteenweg 457, 2500 Lier
since 20022.114.154.986
Guido Gezellelaan 1, 2500 Lier
since 20022.114.155.085
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393F0693/00N000 | Flanders | 1,723 m² | 1 · 198 m² | - |
| 12393F0693/00V000 | Flanders | 1,440 m² | 1 · 201 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.
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GARAGE DE BECKER
BE 0673.758.733
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BE 0768.831.205
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LEXACO
BE 0547.888.068
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Of 2,120 companies in sector 46711 we hold annual accounts for 1,122. 725 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2002
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
50101
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.