KVDH
ActiveKVDH has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.00M and a net result of €158k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 15.1 against 13.43 in 2024; short-term debt: 5% and cash: 14.9% of total assets), and 9.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
90.1%
Return on assets
14.2%
Age of the figures
15 mo
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 · 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
59 d early
2023
1 d early
2022
on the day
2021
4 d early
2020
3 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.00M▲ 6.1%
2024 · €946k
2019: €241k
2020: €348k
2021: €566k
2022: €714k
2023: €856k
2024: €946k
2019 → 2025
Total assets
€1.11M▲ 2.1%
2024 · €1.09M
2019: €579k
2020: €601k
2021: €811k
2022: €927k
2023: €1.03M
2024: €1.09M
2019 → 2025
Net result
€158k▼ 3.3%
2024 · €163k
2019: €100k
2020: €107k
2021: €219k
2022: €148k
2023: €142k
2024: €163k
2019 → 2025
Working capital
€782k▲ 6.1%
2024 · €737k
2019: €86k
2020: €176k
2021: €383k
2022: €516k
2023: €658k
2024: €737k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€566k-€714k▲ 26.1%€856k▲ 19.9%€946k▲ 10.5%€1.00M▲ 6.1%
Operating result€326k-€215k▼ 34.1%€207k▼ 3.6%€239k▲ 15.3%€225k▼ 5.7%
Net result€219k-€148k▼ 32.3%€142k▼ 4.1%€163k▲ 15.1%€158k▼ 3.3%
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 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€276k▼ 6.1%
Current assets
€838k▲ 5.2%
Equity and liabilities €1.11M
Equity
€1.00M▲ 6.1%
Debt
€110k▼ 23.7%
The debt ratio falls from 13.2% to 9.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€248k▼
2024 · €264k
Cash flow
€181k▼
2024 · €188k
Solvency
90.1%▲
2024 · 86.8%
Current ratio
15.10▲
2024 · 13.43
Quick ratio
15.10▲
2024 · 13.43
Debt / equity
0.11▼
2024 · 0.15
ROE
15.7%▼
2024 · 17.3%
ROA
14.2%▼
2024 · 15.0%
Interest coverage
54.05▼
2024 · 69.66
Debt
€110k▼
2024 · €144k
Debt ≤ 1 year
€55k▼
2024 · €59k
Debt > 1 year
€53k▼
2024 · €82k
Income taxes
€69k▼
2024 · €72k
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€1.09M€1.11M▲
Fixed assets21/28€294k€276k▼
Tangible fixed assets22/27€294k€276k▼
Land and buildings22€284k€264k▼
Plant, machinery and equipment23€2k€5k▲
Furniture and vehicles24€8k€7k▼
Current assets29/58€796k€838k▲
Amounts receivable within one year40/41€243k€288k▲
Trade receivables40€227k€284k▲
Other amounts receivable41€16k€3k▼
Current investments50/53-€380k
Cash at bank and in hand54/58€551k€166k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.11M▲
Equity10/15€946k€1.00M▲
Contributions10/11€19k€19k=
Reserves13€927k€985k▲
Distributable reserves133€927k€985k▲
Amounts payable17/49€144k€110k▼
Amounts payable after more than one year17€82k€53k▼
Financial debts170/4€82k€53k▼
Amounts payable within one year42/48€59k€55k▼
Current portion of amounts payable after more than one year42€30k€31k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€17k€18k▲
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€23k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€268k€253k▼
Operating profit (loss)9901€239k€225k▼
Financial income75/76B€0€6k▲
Recurring financial income75€0€6k▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€235k€227k▼
Income taxes67/77€72k€69k▼
Profit (loss) for the period9904€163k€158k▼
Profit (loss) for the period to be appropriated9905€163k€158k▼
Appropriation of the result
Profit (loss) to be appropriated9906€163k€158k▼
Transfer from equity791/2€74k€100k▲
Transfer to equity691/2€163k€158k▼
To other reserves6921€163k€158k▼
Profit to be distributed694/7€74k€100k▲
Return on contributions (dividend)694€74k€100k▲
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
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €1MEq €1.00M ▲6.1%
7 profitable years in a row build equity to €1.00M.
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €219k ▲104%
Operating result €326k, net result €219k, both a record.
30-06
Financial
Equity above €500kEq €566k ▲62.8%
3 profitable years in a row build equity to €566k.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Liquidity triplescurrent ratio 4.41
Current ratio from 1.74 to 4.41; short-term debt falls from €115k to €52k.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 310 days late
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, Sint-Truiden · 1 establishment unit since 2011
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.
Metsterenweg 1343800 Sint-TruidenGround area
1,196 m²
Building footprint
148 m²
Volume, LiDAR
910 m³
Parcel 71352A0178/00T000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Metsterenweg 134, 3800 Sint-Truiden
since 20112.207.424.446
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352A0178/00T000 | Flanders | 1,196 m² | 1 · 148 m² | 8.9 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
FREDERIC BRICOUT
BE 0880.592.823
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THE ARTISTOCRATS
BE 0818.714.444
Hasselt · Eq €1.01M
FUNERA
BE 0501.927.290
Rumes · Eq €1.01M
URADI SAM BELGRADO
BE 0478.825.850
Aalst · Eq €993k
REGINA B.
BE 0451.203.022
Leuven · Eq €1.02M
Of 6,155 companies in sector 46190 we hold annual accounts for 2,569. 1,195 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2011
Fiscal year end30-06
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.