KVAN-HC
ActiveSummary
KVAN-HC has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €93k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency28▼-72
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice 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
3.4%
Return on assets
79.8%
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 11% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 11%
← 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 27-04-2026, 95 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
95 d early
2024
57 d early
2023
30 d late
2022
55 d early
2021
58 d early
← 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
€4k▼ 96.4%
2024 · €111k
2021: €94k
2022: €164k
2023: €255k
2024: €111k
2021 → 2025
Total assets
€116k▼ 6.3%
2024 · €124k
2021: €131k
2022: €217k
2023: €292k
2024: €124k
2021 → 2025
Net result
€93k▼ 13.7%
2024 · €107k
2021: €90k
2022: €70k
2023: €91k
2024: €107k
2021 → 2025
Working capital
€-5k
2024 · €95k
2021: €89k
2022: €147k
2023: €246k
2024: €95k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€164k▲ 74.7%€255k▲ 55.8%€111k▼ 56.4%€4k▼ 96.4%
Operating result€114k-€88k▼ 22.4%€116k▲ 31.1%€126k▲ 9.0%€124k▼ 1.8%
Net result€90k-€70k▼ 21.9%€91k▲ 30.4%€107k▲ 17.4%€93k▼ 13.7%
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 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€12k ▼ 36.0%
Current assets
€104k ▼ 1.0%
Equity and liabilities €116k
Equity
€4k ▼ 96.4%
Debt
€112k ▲ 790%
Debt's share of the balance-sheet total rises from 10.2% to 96.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€131k▼
2024 · €133k
Cash flow
€99k▼
2024 · €114k
Current ratio
0.95▼
2024 · 10.78
Debt to equity
28.00▲
2024 · 0.11
ROA
79.8%▼
2024 · 86.6%
Interest coverage
3033.71▲
2024 · 118.40
Debt ≤ 1 year
€110k▲
2024 · €10k
Income taxes
€32k▲
2024 · €28k
A ratio outside any meaningful range has been withheld (balance sheet total €116k, equity €4k).
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€124k€116k▼
Fixed assets21/28€19k€12k▼
Tangible fixed assets22/27€19k€12k▼
Plant, machinery and equipment23€95€0▼
Furniture and vehicles24€19k€12k▼
Current assets29/58€105k€104k▼
Amounts receivable within one year40/41€14k€11k▼
Trade receivables40€14k€11k▼
Current investments50/53€55k€35k▼
Cash at bank and in hand54/58€34k€56k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€124k€116k▼
Equity10/15€111k€4k▼
Contributions10/11€4k€4k=
Reserves13€107k€0▼
Distributable reserves133€107k€0▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€13k€112k▲
Amounts payable within one year42/48€10k€110k▲
Trade debts44€130€478▲
Suppliers440/4€130€478▲
Taxes, remuneration and social security45€8k€16k▲
Taxes450/3€8k€16k▲
Other amounts payable47/48€1k€93k▲
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A-€255
Gross operating margin9900€134k€132k▼
Operating profit (loss)9901€126k€124k▼
Financial income75/76B€10k€1k▼
Recurring financial income75€10k€1k▼
Financial charges65/66B€1k€43▼
Recurring financial charges65€1k€43▼
Profit (loss) for the period before taxes9903€135k€125k▼
Income taxes67/77€28k€32k▲
Profit (loss) for the period9904€107k€93k▼
Profit (loss) for the period to be appropriated9905€107k€93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€107k€93k▼
Transfer from equity791/2€251k€107k▼
Transfer to equity691/2€107k€0▼
To other reserves6921€107k€0▼
Profit to be distributed694/7€251k€200k▼
Return on contributions (dividend)694€251k€200k▼
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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €107k ▲17.4%
Operating result €126k, net result €107k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 7.87
Current ratio from 3.76 to 7.87; short-term debt falls from €53k to €36k.
31-12
Financial
Equity above €200kEq €255k ▲55.8%
3 profitable years in a row build equity to €255k.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €70k ▼21.9%
Net result drops to €70k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €164k ▲74.7%
2 profitable years in a row build equity to €164k.
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Bertem · 1 establishment unit since 2020
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.
Dorpstraat 177A3060 BertemGround area
1,389 m²
Building footprint
864 m²
Volume, LiDAR
2,612 m³
Parcel 24009C0434/00T000, Flanders · tallest building 11.0 m. Linked by address, not a title deed.
1 establishment unit
Dorpstraat 177A, 3060 Bertem
since 20202.305.486.694
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24009C0434/00T000 | Flanders | 1,389 m² | 1 · 864 m² | 11.0 m |
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.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 13,530 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
Founded31-07-2020
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.