KVM Construct
ActiveKVM Construct has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €46k. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.33 against 4.75 in 2024), and 29.8% 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 · 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
70.2%
Return on assets
70%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-02-2026, 65 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
65 d early
2024
106 d early
2023
18 d early
2022
16 d early
2021
1 d early
2020
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▼ 7.7%
2024 · €50k
2020: €5k
2021: €28k
2022: €33k
2023: €38k
2024: €50k
2020 → 2025
Total assets
€66k▲ 7.9%
2024 · €61k
2020: €17k
2021: €36k
2022: €51k
2023: €50k
2024: €61k
2020 → 2025
Net result
€46k▼ 7.7%
2024 · €50k
2020: €5k
2021: €23k
2022: €5k
2023: €38k
2024: €50k
2020 → 2025
Working capital
€45k▲ 8.6%
2024 · €41k
2020: €1k
2021: €13k
2022: €21k
2023: €26k
2024: €41k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€33k▲ 18.5%€38k▲ 12.6%€50k▲ 33.6%€46k▼ 7.7%
Operating result€29k-€9k▼ 68.9%€49k▲ 453%€68k▲ 38.1%€64k▼ 5.8%
Net result€23k-€5k▼ 77.3%€38k▲ 620%€50k▲ 33.6%€46k▼ 7.7%
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 falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€2k▼ 75.7%
Current assets
€64k▲ 22.4%
Equity and liabilities €66k
Equity
€46k▼ 7.7%
Debt
€20k▲ 79.2%
The debt ratio rises from 17.9% to 29.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€66k▼
2024 · €70k
Cash flow
€49k▼
2024 · €53k
Solvency
70.2%▼
2024 · 82.1%
Current ratio
3.33▼
2024 · 4.75
Quick ratio
3.33▼
2024 · 4.75
Debt / equity
0.42▲
2024 · 0.22
ROE
99.8%=
2024 · 99.8%
ROA
70.0%▼
2024 · 81.9%
Interest coverage
74.12▼
2024 · 145.14
Debt
€20k▲
2024 · €11k
Debt ≤ 1 year
€19k▲
2024 · €11k
Income taxes
€17k▼
2024 · €19k
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€61k€66k▲
Fixed assets21/28€9k€2k▼
Tangible fixed assets22/27€9k€2k▼
Furniture and vehicles24€6k€850▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€300€300=
Current assets29/58€52k€64k▲
Amounts receivable within one year40/41€43k€13k▼
Trade receivables40€12k€13k▲
Other amounts receivable41€30k€86▼
Cash at bank and in hand54/58€5k€48k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€61k€66k▲
Equity10/15€50k€46k▼
Contributions10/11€100€100=
Reserves13€50k€46k▼
Distributable reserves133€50k€46k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€11k€20k▲
Amounts payable within one year42/48€11k€19k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€10k€9k▼
Other amounts payable47/48€0€8k▲
Accrued charges and deferred income492/3€0€539▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€1k€968▼
Gross operating margin9900€71k€67k▼
Operating profit (loss)9901€68k€64k▼
Financial income75/76B€2k€574▼
Recurring financial income75€2k€574▼
Financial charges65/66B€485€897▲
Recurring financial charges65€485€897▲
Profit (loss) for the period before taxes9903€69k€64k▼
Income taxes67/77€19k€17k▼
Profit (loss) for the period9904€50k€46k▼
Profit (loss) for the period to be appropriated9905€50k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€46k▼
Transfer from equity791/2€38k€50k▲
Transfer to equity691/2€50k€46k▼
To other reserves6921€50k€46k▼
Profit to be distributed694/7€38k€50k▲
Return on contributions (dividend)694€38k€50k▲
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
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2020net €50k ▲33.6%
Operating result €68k, net result €50k, both a record.
12-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Liquidity doublescurrent ratio 2.68
Current ratio from 1.09 to 2.68; short-term debt falls from €11k to €8k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Gavere · 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.
Aalbroekstraat 31a9890 GavereGround area
403 m²
Building footprint
131 m²
Parcel 44060A0727/00K000, Flanders. Linked by address, not a title deed.
1 establishment unit
KVM Construct
since 20202.305.888.453
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44060A0727/00K000 | Flanders | 403 m² | 1 · 131 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,064 EUR awarded · 1,065 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 326 EUR | 326 EUR |
| 2024 | 1 | 306 EUR | 509 EUR |
| 2023 | 1 | 315 EUR | 113 EUR |
| 2022 | 1 | 117 EUR | 117 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 37,616 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-08-2020
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
41001General construction of residential buildings
68121Development of residential building projects
64200Holdings
64210Activities of holding companies
68202Real estate activities
70100Activities of head offices
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.