KUSTZORG
ActiveKUSTZORG has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €605k and a net result of €-48k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 90 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-12
Solvency100=
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 11.47 against 7.67 in 2024), and 14.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
7 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
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
85.9%
Return on assets
-6.8%
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
25 d late
2023
14 d early
2022
24 d early
2021
18 d late
2020
60 d late
2019
83 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€605k▼ 7.4%
2024 · €653k
2023: €638k
2024: €653k
2023 → 2025
Total assets
€704k▼ 9.6%
2024 · €779k
2023: €789k
2024: €779k
2023 → 2025
Net result
€-48k
2024 · €15k
2023: €46k
2024: €15k
2023 → 2025
Working capital
€224k▼ 8.9%
2024 · €246k
2023: €280k
2024: €246k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€638k-€653k▲ 2.4%€605k▼ 7.4%
Operating result€63k-€26k▼ 58.5%€-50k
Net result€46k-€15k▼ 67.3%€-48k
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 turns negative in 2025: a loss of €50k after €26k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €704k
Fixed assets
€459k▼ 7.5%
Current assets
€246k▼ 13.2%
Equity and liabilities €704k
Equity
€605k▼ 7.4%
Provisions
€21k▼ 12.7%
Debt
€78k▼ 22.9%
The debt ratio falls from 13.0% to 11.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-5k▼
2024 · €65k
Cash flow
€-3k▼
2024 · €54k
Solvency
85.9%▲
2024 · 83.9%
Current ratio
11.47▲
2024 · 7.67
Quick ratio
11.47▲
2024 · 7.67
Debt / equity
0.13▼
2024 · 0.15
ROE
-8.0%▼
2024 · 2.3%
ROA
-6.8%▼
2024 · 2.0%
Interest coverage
-2.63▼
2024 · 36.57
Debt
€78k▼
2024 · €101k
Debt ≤ 1 year
€21k▼
2024 · €37k
Debt > 1 year
€57k▼
2024 · €64k
Income taxes
€181▼
2024 · €13k
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
Balance sheet
Code2025
Total assets
20/58€704k
Fixed assets
21/28€459k
Tangible fixed assets
22/27€456k
Financial fixed assets
28€3k
Current assets
29/58€246k
Amounts receivable within one year
40/41€21k
Cash & bank
54/58€219k
Total equity & liabilities
10/49€704k
Equity
10/15€605k
Contributions / capital
10/11€62k
Reserves
13€185k
Accumulated profits (losses)
14€358k
Provisions & deferred taxes
16€21k
Amounts payable
17/49€78k
Amounts payable after one year
17€57k
Amounts payable within one year
42/48€21k
Trade debts payable within one year
44€4k
Income statement
Code2025
Gross operating margin
9900€-2k
Operating result
9901€-50k
Financial income
75€456
Financial charges
65€2k
Result before taxes
9903€-51k
Income taxes
67/77€181
Net result for the period
9904€-48k
Result to be appropriated
9905€-36k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-48k ▼417%
Net result drops to €-48k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
06-07
State Gazette act
Capital & shares
Filip Maertens
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 83 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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LA CROIX VERTE ET BLANCHE DE LEERS NORD ET ENVIRONS
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THUISVERPLEGING LANSZWEERT - DEGRIECK
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GEERT MERTENS
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Thuisverpleging Sylvie
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Of 5,981 companies in sector 86940 we hold annual accounts for 1,735. 824 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-10-1988
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
86995Nutrition and dietetics services
93022
85143
86909Human health activities
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.