KVK
Open bankruptcyA bankruptcy procedure is open for KVK according to publications in the Belgian State Gazette; curator: CELINE LEBLANC. The 2024 annual accounts show negative equity (€-59k) and a net result of €-56k.
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year €-59k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
48 d early
2022
42 d late
2021
31 d early
2020
30 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-59k▼ 1,894%
2023 · €-3k
2019: €-14k
2020: €-2k
2021: €20k
2022: €11k
2023: €-3k
2019 → 2024
Total assets
€182k▼ 15.9%
2023 · €217k
2019: €95k
2020: €110k
2021: €165k
2022: €173k
2023: €217k
2019 → 2024
Net result
€-56k▼ 305%
2023 · €-14k
2019: €-32k
2020: €12k
2021: €22k
2022: €-9k
2023: €-14k
2019 → 2024
Working capital
€51k▼ 41.3%
2023 · €87k
2019: €-25k
2020: €-13k
2021: €83k
2022: €97k
2023: €87k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-2k-€20k€11k▼ 46.6%€-3k€-59k▼ 1,894%
Operating result€12k-€21k▲ 72.2%€-9k€-13k▼ 46.8%€-64k▼ 392%
Net result€12k-€22k▲ 80.2%€-9k€-14k▼ 46.0%€-56k▼ 305%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €64k in 2024 against €13k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €182k
Fixed assets
€15k▼ 11.7%
Current assets
€167k▼ 16.3%
Key figures and ratios
EBITDA
€-62k▼
2023 · €-11k
Cash flow
€-54k▼
2023 · €-12k
Solvency
-32.5%▼
2023 · -1.4%
Current ratio
1.44▼
2023 · 1.77
Quick ratio
0.07▼
2023 · 0.22
Debt / equity
-4.08▲
2023 · -74.02
ROA
-30.8%▼
2023 · -6.4%
Interest coverage
-25.05▼
2023 · -11.72
Debt
€241k▲
2023 · €219k
Debt ≤ 1 year
€116k▲
2023 · €113k
Debt > 1 year
€121k▲
2023 · €107k
Staff costs
€67k▼
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€217k€182k▼
Fixed assets21/28€17k€15k▼
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€9k€7k▼
Land and buildings22€6k€5k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24-€0
Financial fixed assets28€7k€7k=
Current assets29/58€199k€167k▼
Stocks and contracts in progress3€175k€159k▼
Stocks30/36€175k€159k▼
Amounts receivable within one year40/41€20k€5k▼
Trade receivables40€20k€5k▼
Cash at bank and in hand54/58€5k€2k▼
Deferred charges and accrued income490/1-€768
Equity and liabilities
Total equity and liabilities10/49€217k€182k▼
Equity10/15€-3k€-59k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-22k€-78k▼
Amounts payable17/49€219k€241k▲
Amounts payable after more than one year17€107k€121k▲
Other amounts payable178/9€107k€121k▲
Amounts payable within one year42/48€113k€116k▲
Financial debts43€200€14k▲
Credit institutions430/8€200€14k▲
Trade debts44€64k€59k▼
Suppliers440/4€64k€59k▼
Taxes, remuneration and social security45€39k€43k▲
Taxes450/3€15k€21k▲
Remuneration and social security454/9€24k€22k▼
Other amounts payable47/48€10k-
Accrued charges and deferred income492/3-€4k
Income statement
Code20232024
Remuneration, social security and pensions62€72k€67k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€3k€9k▲
Gross operating margin9900€63k€13k▼
Operating profit (loss)9901€-13k€-64k▼
Financial income75/76B€139€11k▲
Recurring financial income75€139€151▲
Non-recurring financial income76B-€10k
Financial charges65/66B€928€2k▲
Recurring financial charges65€928€2k▲
Profit (loss) for the period before taxes9903€-14k€-56k▼
Profit (loss) for the period9904€-14k€-56k▼
Profit (loss) for the period to be appropriated9905€-14k€-56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-78k▼
Profit (loss) brought forward from the previous period14P€-8k€-22k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-12
Bankruptcy
Opening
Tribunal de l’entreprise de Liège, division Namur · KVK SRL RUE DE BOMEL 27, 5000 NAMUR · event 11-12-2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-56k
Net result drops to €-56k, the lowest in the series.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 42 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €22k ▲80.2%
Operating result €21k, net result €22k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.24
Current ratio from 0.88 to 2.24; short-term debt falls from €109k to €67k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
SignalFinancial 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, Namur · 1 establishment unit since 2018
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.
Rue de Bomel 275000 NamurGround area
1,463 m²
Building footprint
62 m²
Volume, LiDAR
806 m³
Parcel 92094A0216/00M002, Wallonia · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
KVK
since 20182.280.918.475
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92094A0216/00M002 | Wallonia | 1,463 m² | 1 · 62 m² | 14.5 m · 4 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | CELINE LEBLANC RUE THéMIS 10, 5000 NAMUR- |
11-12-2025 → present |
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Of 1,271 companies in sector 47512 we hold annual accounts for 581. 273 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-10-2018
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
47530Retail trade
47525Retail trade
47529Retail trade
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:kvkdeco@gmail.com